Pay with UPI Lite on Google Pay

UPI Lite is an on-device wallet with the following key features:

• Make payments of up to ₹500 INR without the use of a UPI PIN on the Google Pay app.
• No fees.
• No KYC required.
• Maximum balance is ₹2,000 INR. You can spend up to a total of ₹4,000 INR within 24 hours.
• No charges for money transfer and account closing.

To get started, set up your UPI Lite balance:

1. Choose an eligible bank account that supports UPI Lite to add money from. Find the list of banks that support UPI Lite below.
2. Add up to ₹2,000 INR to your UPI Lite balance.

When you set up your UPI Lite balance, UPI Lite becomes the default payment method option for payments less than ₹500 INR.

Set up UPI Lite

1. Open the Google Pay app .
2. At the top right, tap your Profile picture.
   

3. Tap Pay PIN-free UPI Lite.
   

4. Enter the amount you want to add.
   • You can load up to ₹2,000 INR.
5. Enter your UPI PIN.
   

Tip: You can only create one UPI Lite account on Google Pay.

Make a payment with UPI Lite

You can make payments of up to ₹500 INR each with UPI Lite.

To pay:

1. Open the Google Pay app .
2. Scan the merchant QR code or enter a phone number.
3. Enter the amount to pay.
4. Pay with your UPI Lite account.
   

Add money to your UPI Lite balance

You can add up to ₹2,000 INR to your UPI Lite balance.

1. Open the Google Pay app .
2. At the top right, tap your Profile picture UPI Lite.
   
3. Add an amount of up to ₹2,000 INR.
   Tip: UPI Lite can have a maximum balance of ₹2,000 INR.
   
4. To load the amount, enter your UPI PIN.
   

Check UPI Lite balance

The UPI lite balance will be visible on the home screen.

You can also check your UPI Lite balance by:

1. Open the Google Pay app .
2. At the top right, tap your Profile picture.
3. Under “Payment methods,” select your UPI Lite account.
4. You can find your UPI Lite balance above the “Add money” section.
   

Check transaction history

You can find your UPI Lite transactions on Google Pay in the transaction history section.

1. Open the Google Pay app .
2. At the bottom of the screen, tap Show transaction history.
3. Tap the search bar.
4. Select UPI Lite from the suggestions.
5. 

Delete your UPI Lite account

1. Open the Google Pay app .
2. At the top right, tap your Profile picture UPI Lite.
   
3. At the top right, tap the three dots .
   
4. Tap Delete UPI Lite.
5. To confirm, tap Delete.
   

Tip: When you deregister your account, the money is credited back to your bank account.

FAQs

What's UPI Lite?

UPI Lite is an online wallet where you can pay without the use of a UPI PIN on the Google Pay app. It doesn’t require an e-KYC.

You can pay up to ₹500 INR per transaction and have multiple transactions up to a total of ₹4,000 INR in a day.

How is UPI Lite different from UPI payments?

With UPI Lite, you can make payments of up to ₹500 INR without the use of a UPI PIN on the Google Pay app. Money is deducted from your UPI Lite balance.

What are the benefits of UPI Lite?

• Make payments without a UPI PIN: You don’t need a UPI PIN when you make a payment for less than ₹500 INR.
• Cleaner bank statements: You can find all your UPI Lite transactions on Google Pay instead of your bank statements. Only your initial load, top up and unload transactions show up on your bank statement.
• No KYC: You don’t need to have an additional KYC to set up a UPI Lite account.
• Pay anywhere: Scan and pay at shops or pay people on Google Pay with UPI Lite for amounts up to ₹500 INR.
  Tip: You can’t use UPI Lite for some payments like:
  • Payment collect requests
  • Autopay
  • UPI International payments

Which banks support UPI Lite payments?

There are 10 banks that currently support UPI Lite. New banks will continue to be added to the list. Check your application for the latest list of banks that support the Lite feature.

What’s the maximum value of payments I can make?

• You can pay up to ₹500 INR per transaction and have multiple transactions up to a total of ₹4,000 INR within 24 hours.
• Your balance can hold up to ₹2,000 INR.

Does my balance remain if my device or mobile number changes?

If you use the same phone number that you used to activate your UPI Lite account on your new device, your balance remains intact.

To claim your balance, use the same mobile number registered to UPI Lite and deregister your UPI Lite account. Deregistration transfers your balance back to the bank account that you used to add the money to the UPI Lite account. If you can't access the same mobile number, contact your bank's customer support team.

The DigiSaathi 24x7 helpline is an initiative of NPCI, Payment System Operators, and participants. To get the contact details of your banks, go to www.digisaathi.info. You can also contact DigiSaathi through their helpline numbers: 14431 or 1800 891 3333.

How to retrieve my balance if I lose my device?

Contact your bank for this issue. Your bank can take 10 business days to resolve the issue.

The DigiSaathi 24x7 helpline is an initiative of NPCI, Payment System Operators, and participants. To get the contact details of your banks, go to www.digisaathi.info. You can also contact DigiSaathi through their helpline numbers: 14431 or 1800 891 3333.

Tip: Refunds are credited to your bank account, not the UPI Lite account.

Limit on the number of transactions

You can make as many transactions as you like with UPI Lite.

Types of transactions that can be done with UPI Lite

You can make all UPI transactions with UPI Lite.

Can I make multiple UPI Lite accounts?

You can only create one UPI Lite account on Google Pay. You can have more than one UPI Lite account across different platforms.

Can I get my money back if it was debited?

If money is debited from your UPI Lite account but the transfer is denied due to network issues, the amount gets credited to your bank account.

Can I load my wallet with a debit or credit card?

You can add money through the bank account you linked on Google Pay.