UPI Lite X explained: India’s new offline payment game-changer

UPI Lite X enables offline digital payments in India, addressing the need for connectivity-independent transactions. Using NFC or *99# USSD services, users can make payments even without internet access, expanding financial inclusion across country.

Digital payments revolution in India

UPI Lite X: Digital payments are now part of daily life in India. NPCI introduced UPI Lite X to address the need for offline payments.

What is UPI Lite X?

UPI Lite X works without mobile data or Wi-Fi. You need a UPI app and NFC enabled on your smartphone. Open your UPI app, tap "Tap & Pay," enter the amount, and touch your phone to the recipient's. No UPI PIN needed!

No Internet, No NFC? How to pay?

Even without internet or NFC, you can still make payments. Use *99# USSD services, even on a feature phone. Dial *99# from your bank-linked mobile number and follow the on-screen menu.

Services from 83 banks, 4 telecoms

These services are offered by 83 banks and 4 telecom companies, available in 13 languages to millions of users across India.

Important Notes

You can send up to ₹5,000 via *99# at once. A ₹0.50 charge applies per transaction. With UPI Lite X and USSD, your digital payments can continue uninterrupted, even offline.