yes but
they need another sim in phone to get this work in J&K or need wifi to connect with internet
As soon as new sim will inserted/replaced, some phone info will be changed, upi will become deregister and ask to register it again.
they will give a try to insert a new yatri/J&K sim in secondary slot by stopping phone info permissions temperory from the upi app and then enable the permissions again before opening upi app. Try register as many upi app as possible, some of them might work as they only look for registered sim is replaced or not.