BHIM app now supports UPI LITE

[007]

What is UPI LITE?
- UPI LITE is an on-device wallet for frequent low value transactions
- Applicable for transactions up to INR 200
- Experience faster low value transactions with a single click

How does UPI LITE work?
- Once enabled, all transactions of INR 200 and below will be processed using UPI LITE
- Smart top-up reminders will be prompted as and when UPI LITE balance is low
- Prior to approving payment, Customer will be notified about applicability of UPI LITE transaction
- Customer can also disable UPI LITE at any point in time. On disabling UPI LITE, funds lying in UPI LITE will be credited back to Customer's bank account

Enable UPI LITE
- Simply add funds to your UPI LITE using your bank account
- UPI PIN is mandatory for enabling UPI LITE
- UPI LITE balance is capped at INR 2000 at any point in time
- View UPI LITE balance on your device
- Your bank will support UPI LITE without any hidden charges

Disclaimer
- UPI transactions will be processed without UPI PIN
- Funds for enabling UPI LITE can only be added from your bank account
- Funds debited from your bank account towards UPI LITE top up will not bear any interest.
- Replenishable balance for an UPI LITE shall be only in online mode using UPI app with UPI PIN
- App password/ biometrics is mandatory for accessing UPI LITE
- SMS for UPI LITE transactions will be sent by your bank once a day, kindly refer to the status of the transaction on the BHIM App
- Customer can raise a dispute from the App for UPI LITE transactions

Note: UPI LITE feature available on selected banks. Personally tested and working for Kotak & SBI.

BHIM App version: 2.9.8 [Google Play Store]

 

[Abhishek012]

BHIM app launch "UPI Lite" Wallet for Offline transactions without Internet upto Rs200:

Download/Update BHIM app - https://play.google.com/store/apps/details?id=in.org.npci.upiapp&hl=en_IN&gl=US

Note - You can load maximum upto Rs2000 on your "UPI Lite" Wallet.

Maximum transaction amount upto Rs200 from your UPI Lite.

No UPI PIN required to pay via UPI Lite

You can also disabled your UPI Lite wallet and your existing money will refund back to your bank account.

Open BHIM UPI app and you will see UPI Lite enabled option -



Load money in your UPI Lite upto maximum Rs2000 -

Note - currently few selected banks supported UPI Lite, soon all banks will added



You can also check your UPI Lite balance on your BHIM app bank account settings.

 

[TheTrickySid]

BHIM app launch "UPI Lite" Wallet for Offline transactions without Internet upto Rs200:

Download/Update BHIM app - https://play.google.com/store/apps/details?id=in.org.npci.upiapp&hl=en_IN&gl=US

Note - You can load maximum upto Rs2000 on your "UPI Lite" Wallet.

Maximum transaction amount upto Rs200 from your UPI Lite.

No UPI PIN required to pay via UPI Lite

Open BHIM UPI app and you will see UPI Lite enabled option -

View attachment 4710

Load money in your UPI Lite upto maximum Rs2000 -

Note - currently few selected banks supported UPI Lite, soon all banks will added

View attachment 4712

You can also check your UPI Lite balance on your BHIM app bank account settings.

View attachment 4713

What's the point in launching this feature.
How will the payment processed with internet, ie if someone doesn't have access to internet how will the qr data be fetched??

 

[007]

BHIM app launch "UPI Lite" Wallet for Offline transactions without Internet upto Rs200

No, this feature doesn't work offline.

 

[Abhishek012]

No, this feature doesn't work offline.

UPI Lite work without Internet and use for mostly offline QR code payment.

Read this news - The move is in line with the Reserve Bank of India’s framework for facilitating small value digital payments in offline mode, which does not require internet or telecom connectivity.

Source link -

NPCI set to launch UPI Lite for small value transactions in offline mode

Pilots to start in the next 10 days; upper limit of a transaction will be ₹200

www.thehindubusinessline.com

Also read here for full details - Meaning that if you are using a UPI Lite wallet and paying someone, the money will be debited from your account without being connected to the internet, but it will get credit to the receiver’s account when they are online. This, NPCI says will also go completely offline, meaning both debit and credit will be possible offline. The agency also said that users will not be required to enter their UPI PIN while confirming UPI Lite payments.

Source link -

Explained: UPI Lite Wallet-Based Offline Payments System Coming Soon From NPCI - News18

UPI Lite will be an on-device wallet system that will enable offline transactions of small volume.

www.news18.com

RuPay card also have offline wallet contactless payment feature, without internet we can pay upto Rs200, after load money to our RuPay's offline wallet.

Same way, first we load money to our UPI Lite wallet in our UPI apps (starting with BHIM app) and then we can pay any QR code. No Internet connection needed, open UPI app, scan QR code and pay through UPI Lite, also no UPI PIN required.

@HyperBeast

 

[Slayer]

So many wallets nowadays

 

[SiddharthR]

Any Solution??

 

[007]

UPI Lite work without Internet and use for mostly offline QR code payment.

Read this news - The move is in line with the Reserve Bank of India’s framework for facilitating small value digital payments in offline mode, which does not require internet or telecom connectivity.

Source link -

NPCI set to launch UPI Lite for small value transactions in offline mode

Pilots to start in the next 10 days; upper limit of a transaction will be ₹200

www.thehindubusinessline.com

Also read here for full details - Meaning that if you are using a UPI Lite wallet and paying someone, the money will be debited from your account without being connected to the internet, but it will get credit to the receiver’s account when they are online. This, NPCI says will also go completely offline, meaning both debit and credit will be possible offline. The agency also said that users will not be required to enter their UPI PIN while confirming UPI Lite payments.

Source link -

Explained: UPI Lite Wallet-Based Offline Payments System Coming Soon From NPCI - News18

UPI Lite will be an on-device wallet system that will enable offline transactions of small volume.

www.news18.com

RuPay card also have offline wallet contactless payment feature, without internet we can pay upto Rs200, after load money to our RuPay's offline wallet.

Same way, first we load money to our UPI Lite wallet in our UPI apps (starting with BHIM app) and then we can pay any QR code. No Internet connection needed, open UPI app, scan QR code and pay through UPI Lite, also no UPI PIN required.

@HyperBeast

It doesn't work offline and I have tested this. It gives "No Network Connectivity" error (screenshot attached). Also, if it was supposed to work offline NPCI would have mentioned it somewhere. If it worked for you do share the process and screenshot.

 

[SiddharthR]

It doesn't work offline. I tested myself before saying that. It gives "No Network Connectivity" error (screenshot attached). Also, if it was supposed to work offline NPCI would have mentioned it somewhere, but no mention of that. If it worked for you do share the process and screenshot.

View attachment 4717

I think that would work with *99#

 

[Abhishek012]

It doesn't work offline and I have tested this. It gives "No Network Connectivity" error (screenshot attached). Also, if it was supposed to work offline NPCI would have mentioned it somewhere. If it worked for you do share the process and screenshot.

View attachment 4717

Ohh, i didn't test yet. Wait few days, UPI Lite will officially launch on Jio world centre, Mumbai, India (19th sept to 22nd sept, 2022).

We will get more details.

 

[Abhishek012]

I think that would work with *99#

Offline payment also work through Voice based UPI payment, Sound based UPI payment or Miss call based UPI payment - https://www.npci.org.in/what-we-do/upi-123pay/product-overview

 

[blacktiger]

what banks are supported?

 

[Abhishek012]

what banks are supported?

The eight banks where UPI Lite is currently supported are, Canara Bank, HDFC Bank, Indian Bank, Kotak Mahindra Bank, Punjab National Bank, State Bank of India, Union Bank of India, and Utkarsh Small Finance Bank.

More banks coming soon within a few months.

 

[Aniket]

- SMS for UPI LITE transactions will be sent by your bank once a day, kindly refer to the status of the transaction on the BHIM App

@007 @Abhishek012 I too have read about (SMS alerts) this feature, consolidated SMS alert daily.

But I haven't received any till date. Did anybody receive such SMS alerts?

P.S: If remitter bank is not involved in the process of making payment through UPI Lite rather a UPI Lite wallet is used, based on what bank will send SMS alerts, if they have to as per NPCI?

 

[007]

@007 @Abhishek012 I too have read about (SMS alerts) this feature, consolidated SMS alert daily.

But I haven't received any till date. Did anybody receive such SMS alerts?

P.S: If remitter bank is not involved in the process of making payment through UPI Lite rather a UPI Lite wallet is used, based on what bank will send SMS alerts, if they have to as per NPCI?

Same here. Haven't received any SMS for UPI Lite transactions!

 

[Aniket]

Same here. Haven't received any SMS for UPI Lite transactions!

But NPCI says one will receive SMS alert at once of all transactions daily from his/her bank.😂

None enquired for the same, if so why users are not receiving and on which ground bank will send if it's not the part for making transactions.😂

 

[Aniket]

Same here. Haven't received any SMS for UPI Lite transactions!

@007 One more thing to ask from your experience: Your UPI Lite money synchronised after reinstalling
the apps? If yes, list the TPAP.

 

[007]

@007 One more thing to ask from your experience: Your UPI Lite money synchronised after reinstalling
the apps? If yes, list the TPAP.

Didn't try that.

 

[Aniket]

Didn't try that.

It gets synchronised in case of Paytm 100%, might get syncyed with Phonepe and Google pay too but I hadn't tried whereas users had reported that UPI Lite balance in BHIM app got disappeared after reinstalling or in other cases.