Looking for the best UPI apps in India?
Great! you have to come to the right place.
The COVID-19 pandemic has been one of the events where entire humankind have suffered collectively.
It changed the way we have been conducting our life all these years of existence. From sticking masks on our face to keeping a distance from our loved ones, we have seen life turning around.
But every adversary it seems has a silver lining to it. India, much before the pandemic started off the journey towards a digital-first destination.
The pandemic has only accelerated our velocity to reach the destination. One of the major strands of digital transformation has been witnessed with the boom of digital payments.
Digital payments have been adopted across the board right from transferring money, paying utility bills, recharging our phones to paying grocery stores.
Digital payments have been leveraged to ensure that vulnerable citizens didn’t fall through the cracks. It's been estimated that during pandemic India has supported its vulnerable citizens by transferring $5 billion cash benefits through digital payments.
Transforming the Indian digital payment landscape, UPI or Unified Payment Interface is an instant payment system developed by National Payments Corporation of India (NPCI). It allows multiple bank accounts to be integrated into a single mobile application.
In FY 2023, UPI recorded over 30 billion transactions according to estimates. The COVID-19 has only accelerated the adoption of UPI. UPI is the success story of digital transformation of India.
From small vendors to large business or giant e-commerce have adopted UPI to enable smooth transactions. Banking is no longer confined to paper works, or physical branches but its happening in the devices in our hands.
List of the Best UPI apps in India
Some of the best UPI apps who are serving the needs of people and ensuring to expand the umbrella of financial inclusion are listed below.
In this guide, we ranked and reviewed the 17+ best UPI apps in India, along with our top 3 choices, so that you can pick the best one for you.
Top 14 Best UPI Apps In India (Updated 2023)
1. Google Pay
Google Pay, formerly known as Tez app, is the second most popular UPI app in India. Being a part of Google has increased its popularity and credibility with customers.
But in this case, funds are accepted into the bank account directly, unlike other digital wallets.
Therefore, getting money in wallets first and then transferring it to a bank account is no longer necessary.
Its range of services has increased and is no longer restricted to financial transfers. Users can purchase online, pay their utility bills, and recharge their mobile phones.
And one of the intriguing features of Google Pay is "Scratch Cards." Users receive a scratch card after each purchase. The scratch card delivers cash that is immediately credited to the bank account or coupons for discounts that may be used on future purchases.
Features
ConClusion
If you have the right vision, you may also turn an adversity into an opportunity. The 21st century demands digital transformation, it is not merely a trend. In India, a sizable portion of the population has not yet been financially incorporated into our economic system.
That is what we hope to accomplish with digital transformation. Technology facilitates transformation, so if we drag our feet or adopt it slowly, we are moving backward.
In a genuine attempt to ensure that India and Indians don't fall behind in this digital transformation, NPCI has launched the UPI technology. During the pandemic, digital revolution has made it possible to connect with the most vulnerable groups in society.
Contactless, frictionless digital payments may let people keep a safe distance and stay indoors during the pandemic. The government is attempting to stop social security system leakage through digital payments, which deny the rightful owners of their fair portion of the economic pie.
2. Amazon pay
You can use the payment method connected to your Amazon account to pay for goods, services, mobile bills, and utility bills through Amazon Pay.
Because it has been connected with practically all payment channels, it is user-friendly and Amazon Pay payments are hassle-free.
They don't charge their customers any transaction fees or membership fees. Debit and credit cards, such as Visa and Mastercard, are both accepted.
You don't need to worry about them sharing your credit card or debit card information with merchants.
Only bare minimum details are shared to assist the transaction like card type. Amazon Pay's fantastic cashback offerings have contributed to an increase in popularity.
There isn't a separate app for this payment method, and anyone with an Amazon account can access this feature.
Features
ConClusion
If you have the right vision, you may also turn an adversity into an opportunity. The 21st century demands digital transformation, it is not merely a trend. In India, a sizable portion of the population has not yet been financially incorporated into our economic system.
That is what we hope to accomplish with digital transformation. Technology facilitates transformation, so if we drag our feet or adopt it slowly, we are moving backward.
In a genuine attempt to ensure that India and Indians don't fall behind in this digital transformation, NPCI has launched the UPI technology. During the pandemic, digital revolution has made it possible to connect with the most vulnerable groups in society.
Contactless, frictionless digital payments may let people keep a safe distance and stay indoors during the pandemic. The government is attempting to stop social security system leakage through digital payments, which deny the rightful owners of their fair portion of the economic pie.
3. Jupiter Money
With Neo Bank, you can do away with time-consuming paperwork, physical presence, and physical cash transactions.
Digital banking is on the rise. One such bank that has been launched specifically to appeal to the tech-savvy millennials is Jupiter Money.
They provide a free savings account, a free VISA-powered debit card, access to UPI, and incredible Cashback on every purchase.
You are given a debit card and ATM to use for cash withdrawals
merchant payments, and online purchases. No additional fees or charges are applied to the transaction. They also offer support around-the-clock.
You may set a transaction limit on your card to prevent yourself from going on a buying binge, which is a fascinating option.
Features
ConClusion
If you have the right vision, you may also turn an adversity into an opportunity. The 21st century demands digital transformation, it is not merely a trend. In India, a sizable portion of the population has not yet been financially incorporated into our economic system.
That is what we hope to accomplish with digital transformation. Technology facilitates transformation, so if we drag our feet or adopt it slowly, we are moving backward.
In a genuine attempt to ensure that India and Indians don't fall behind in this digital transformation, NPCI has launched the UPI technology. During the pandemic, digital revolution has made it possible to connect with the most vulnerable groups in society.
Contactless, frictionless digital payments may let people keep a safe distance and stay indoors during the pandemic. The government is attempting to stop social security system leakage through digital payments, which deny the rightful owners of their fair portion of the economic pie.
4. PhonePe
This payment app was developed and introduced by Flipkart. PhonePe has the largest customer base among the UPI apps in India.
This reflects its popularity and customers’ trust in this digital payment brand. It's not only for making UPI payments but is offering services
such as recharging mobile phones, paying bills such as electricity, shopping online , buying flight or train tickets or grabbing a meal.
The amazing rewards and cashbacks allow customers to enjoy some benefits.
You can choose to make payment from UPI, PhonePe wallet or debit and credit card. The simple interface makes it user-friendly and easy to transact. It also caters to your insurance needs by providing various insurance options which can be bought instantly.
Features
ConClusion
If you have the right vision, you may also turn an adversity into an opportunity. The 21st century demands digital transformation, it is not merely a trend. In India, a sizable portion of the population has not yet been financially incorporated into our economic system.
That is what we hope to accomplish with digital transformation. Technology facilitates transformation, so if we drag our feet or adopt it slowly, we are moving backward.
In a genuine attempt to ensure that India and Indians don't fall behind in this digital transformation, NPCI has launched the UPI technology. During the pandemic, digital revolution has made it possible to connect with the most vulnerable groups in society.
Contactless, frictionless digital payments may let people keep a safe distance and stay indoors during the pandemic. The government is attempting to stop social security system leakage through digital payments, which deny the rightful owners of their fair portion of the economic pie.
5. Paytm
Paytm, which stands for "pay through mobile," was founded in 2010. Services like Paytm Mall and Paytm UPI are available.
Accessing tickets services, retail brokerage, bill payments, and online money transfers is also made simpler by the app.
Additionally, it's simple to open a savings account and invest in mutual funds and equities.
It guarantees secure, contactless transactions that keep your personal information private.
You will receive great offers from the unlimited cash back offers that you simply cannot refuse. It is customer-oriented due to its simple account opening process, visual debit card, and zero account balance.
Additionally, Paytm offers hassle-free, entirely digital, and rapid loans to its customers. With such facilities it is striving to expand financial inclusion in the country.
Features
ConClusion
If you have the right vision, you may also turn an adversity into an opportunity. The 21st century demands digital transformation, it is not merely a trend. In India, a sizable portion of the population has not yet been financially incorporated into our economic system.
That is what we hope to accomplish with digital transformation. Technology facilitates transformation, so if we drag our feet or adopt it slowly, we are moving backward.
In a genuine attempt to ensure that India and Indians don't fall behind in this digital transformation, NPCI has launched the UPI technology. During the pandemic, digital revolution has made it possible to connect with the most vulnerable groups in society.
Contactless, frictionless digital payments may let people keep a safe distance and stay indoors during the pandemic. The government is attempting to stop social security system leakage through digital payments, which deny the rightful owners of their fair portion of the economic pie.
6. BHIM App
Bharat Interface for Money, or BHIM, is a real-time digital payment app that supports UPI.
Users can rapidly transfer and receive money using the Virtual Payment Address (VPA).BHIM App may be utilised for transactions 365 days a year,
24 hours a day, seven days a week, unlike banks which have vacations and weekends.
Since VPA will handle that, there is no need to go through the effort of sharing or typing an account number or IFSC code with every transaction.
The function is accessible in 12 regional languages, including Tamil, Malayalam, Bengali, and Marathi, to ensure that it can be widely used.
You can split bills, create reminders for payments, pay with a QR code scan, and more. This function has increased digital inclusion and facilitated online commerce.
Features
ConClusion
If you have the right vision, you may also turn an adversity into an opportunity. The 21st century demands digital transformation, it is not merely a trend. In India, a sizable portion of the population has not yet been financially incorporated into our economic system.
That is what we hope to accomplish with digital transformation. Technology facilitates transformation, so if we drag our feet or adopt it slowly, we are moving backward.
In a genuine attempt to ensure that India and Indians don't fall behind in this digital transformation, NPCI has launched the UPI technology. During the pandemic, digital revolution has made it possible to connect with the most vulnerable groups in society.
Contactless, frictionless digital payments may let people keep a safe distance and stay indoors during the pandemic. The government is attempting to stop social security system leakage through digital payments, which deny the rightful owners of their fair portion of the economic pie.
7. Freecharge
One of the most well-known systems for simple, safe, and practical online transactions is Freecharge.
Freecharge works to meet all of your financial needs with the support of over 100 million customers and growing.
You can pay bills, recharge your phone, and use UPI with the touch of a finger. Now, it offers additional financial services in addition to payments.
With Freecharge, you may apply for fast loans, invest in mutual funds, and use their services to pay loan EMIs.
With this app, you may also take advantage of fantastic deals and Cashback incentives. Axis Bank purchased Freecharge in 2017. Freecharge has made BHIM UPI available on its digital wallet as of 2018.
Features
ConClusion
If you have the right vision, you may also turn an adversity into an opportunity. The 21st century demands digital transformation, it is not merely a trend. In India, a sizable portion of the population has not yet been financially incorporated into our economic system.
That is what we hope to accomplish with digital transformation. Technology facilitates transformation, so if we drag our feet or adopt it slowly, we are moving backward.
In a genuine attempt to ensure that India and Indians don't fall behind in this digital transformation, NPCI has launched the UPI technology. During the pandemic, digital revolution has made it possible to connect with the most vulnerable groups in society.
Contactless, frictionless digital payments may let people keep a safe distance and stay indoors during the pandemic. The government is attempting to stop social security system leakage through digital payments, which deny the rightful owners of their fair portion of the economic pie.
8. PayZapp
PayZapp is a quick and simple to download app that allows for online payments. The HDFC banks rolled it out to support the digitization drive.
You must have an account with HDFC Bank in order to use this app. With this HDFC PayZapp e-wallet, users can stop depending on card-based transactions.
Two-step authentication procedures have been adopted to ensure security. A layer of protection is added by the encryption of the account information.
With the PayZapp app, you can pay your bills promptly, order tickets for your favorite movie or vacation, pay your energy bills online, and send money to those who are in need.
A wide range of services and a focus on the needs of the consumer have made life easier for its users.
Features
ConClusion
If you have the right vision, you may also turn an adversity into an opportunity. The 21st century demands digital transformation, it is not merely a trend. In India, a sizable portion of the population has not yet been financially incorporated into our economic system.
That is what we hope to accomplish with digital transformation. Technology facilitates transformation, so if we drag our feet or adopt it slowly, we are moving backward.
In a genuine attempt to ensure that India and Indians don't fall behind in this digital transformation, NPCI has launched the UPI technology. During the pandemic, digital revolution has made it possible to connect with the most vulnerable groups in society.
Contactless, frictionless digital payments may let people keep a safe distance and stay indoors during the pandemic. The government is attempting to stop social security system leakage through digital payments, which deny the rightful owners of their fair portion of the economic pie.
9. MobiKwik
Money is at first required to be added to MobiKwik wallet, a prepaid digital wallet, and then utilised for a variety of online transactions.
Both the iOS and Android operating systems support the app. Money is added in real-time and the service is free.
The e-wallet, also known as a digital wallet, can be used to pay for online purchases as well as utility bills like internet and energy.
You can also use credit, save money, and make investments.
Utilizing MobiKwik has many benefits, which include safe and secure transactions, rapid and smooth transactions, and all services in one app.
MobiKwik, one of the biggest mobile wallets, continues to gain popularity over time. Additionally, the platform supports peer-to-peer UPI payments.
Features
ConClusion
If you have the right vision, you may also turn an adversity into an opportunity. The 21st century demands digital transformation, it is not merely a trend. In India, a sizable portion of the population has not yet been financially incorporated into our economic system.
That is what we hope to accomplish with digital transformation. Technology facilitates transformation, so if we drag our feet or adopt it slowly, we are moving backward.
In a genuine attempt to ensure that India and Indians don't fall behind in this digital transformation, NPCI has launched the UPI technology. During the pandemic, digital revolution has made it possible to connect with the most vulnerable groups in society.
Contactless, frictionless digital payments may let people keep a safe distance and stay indoors during the pandemic. The government is attempting to stop social security system leakage through digital payments, which deny the rightful owners of their fair portion of the economic pie.
10. Whatsapp
The US-based tech giant Meta implemented the UPI system to support payments in its Whatsapp messaging programme.
You may now send money in addition to exchanging photographs, videos, locations, and voice messages.
What app was already one of the most popular messaging apps in India before the payment feature was added, and it has now entered a new market.
Without spending any money, you can divide the bills and transfer money to relatives and friends.
To send and receive money through UPI-based apps, simply add your bank account in the WhatsApp app. Additionally, a UPI pin has been established to guarantee the security of payments. The software does not save or share any information about your card or UPI pin.
Features
ConClusion
If you have the right vision, you may also turn an adversity into an opportunity. The 21st century demands digital transformation, it is not merely a trend. In India, a sizable portion of the population has not yet been financially incorporated into our economic system.
That is what we hope to accomplish with digital transformation. Technology facilitates transformation, so if we drag our feet or adopt it slowly, we are moving backward.
In a genuine attempt to ensure that India and Indians don't fall behind in this digital transformation, NPCI has launched the UPI technology. During the pandemic, digital revolution has made it possible to connect with the most vulnerable groups in society.
Contactless, frictionless digital payments may let people keep a safe distance and stay indoors during the pandemic. The government is attempting to stop social security system leakage through digital payments, which deny the rightful owners of their fair portion of the economic pie.
11. SBI Yono
SBI has launched a project called Yono, short for You Only Need One, to embrace digitalization and simplify banking for its clients.
It was released in 2017 and is readily available as a smartphone app for both iOS and Android operating systems.
It is a comprehensive digital banking platform that gives consumers access to a range of banking or financial services.
Users can check their transaction history, pay their utility bills online, buy a trip or train ticket, or pay their medical bills with only a few clicks.
Additionally, the app offers a feature that enables ATM withdrawals to be done without the need for an ATM card. Your smartphone's app will take care of all your needs.
Features
ConClusion
If you have the right vision, you may also turn an adversity into an opportunity. The 21st century demands digital transformation, it is not merely a trend. In India, a sizable portion of the population has not yet been financially incorporated into our economic system.
That is what we hope to accomplish with digital transformation. Technology facilitates transformation, so if we drag our feet or adopt it slowly, we are moving backward.
In a genuine attempt to ensure that India and Indians don't fall behind in this digital transformation, NPCI has launched the UPI technology. During the pandemic, digital revolution has made it possible to connect with the most vulnerable groups in society.
Contactless, frictionless digital payments may let people keep a safe distance and stay indoors during the pandemic. The government is attempting to stop social security system leakage through digital payments, which deny the rightful owners of their fair portion of the economic pie.
12. iMobile Pay by ICICI Bank
The adoption of digitalization has been swift, and major banks now provide online services as well.
Customers of ICICI Bank can access iMobile by ICICI, a safe mobile banking app. Making payments using the UPI-enabled functionality is now simpler thanks to this app.
Now we may progressively stop using time-consuming paperwork, standing in lines, and running from one bank to another to get services.
We can conduct internet banking while seated at home and with the aid of our smartphone. Online transactions, online bill payment, mobile ticket booking,
Non-financial transactions including requesting a checkbook, finding an ATM, forex services, loan availability, and many more services they provide.
Features
ConClusion
If you have the right vision, you may also turn an adversity into an opportunity. The 21st century demands digital transformation, it is not merely a trend. In India, a sizable portion of the population has not yet been financially incorporated into our economic system.
That is what we hope to accomplish with digital transformation. Technology facilitates transformation, so if we drag our feet or adopt it slowly, we are moving backward.
In a genuine attempt to ensure that India and Indians don't fall behind in this digital transformation, NPCI has launched the UPI technology. During the pandemic, digital revolution has made it possible to connect with the most vulnerable groups in society.
Contactless, frictionless digital payments may let people keep a safe distance and stay indoors during the pandemic. The government is attempting to stop social security system leakage through digital payments, which deny the rightful owners of their fair portion of the economic pie.
13. Kotak Mahindra Bank app
To avail online banking services to its users, Kotak Mahindra Bank has also introduced its banking app.
The app can be easily downloaded from Google pay. It enables its users to avail banking services with the touch of a click.
Know your account balance, see your transaction history, pay your EMI for loans and win exciting offers with this application.
You can also easily transfer money to your friends and family with the aid of this.
Its banking on the go. A bank account in Kotak Bank, a smartphone and an internet connection will help you to get started and avail their services. The app offers almost an impressive 250+ features to its users.
Features
ConClusion
If you have the right vision, you may also turn an adversity into an opportunity. The 21st century demands digital transformation, it is not merely a trend. In India, a sizable portion of the population has not yet been financially incorporated into our economic system.
That is what we hope to accomplish with digital transformation. Technology facilitates transformation, so if we drag our feet or adopt it slowly, we are moving backward.
In a genuine attempt to ensure that India and Indians don't fall behind in this digital transformation, NPCI has launched the UPI technology. During the pandemic, digital revolution has made it possible to connect with the most vulnerable groups in society.
Contactless, frictionless digital payments may let people keep a safe distance and stay indoors during the pandemic. The government is attempting to stop social security system leakage through digital payments, which deny the rightful owners of their fair portion of the economic pie.
14. BHIM YES PAY App
The smart payment app BHIM YES PAY is one that YES Bank provides to account holders.
Like its competitors, YES bank is utilising digital technologies to simplify banking for its clients.
Users can use UPI or the digital wallet to send money, pay bills, recharge their DTH or mobile phones, and buy coupons.
This software is simple to download from the Google Play Store, however a YES Bank account is required.
It is the next-generation payment system that eliminates the need for carrying actual cards or cash by replacing them with wallet-linked virtual cards, UPI, and Bharat QR. Two-factor authentication makes sure that security issues are taken care of.
Features
ConClusion
If you have the right vision, you may also turn an adversity into an opportunity. The 21st century demands digital transformation, it is not merely a trend. In India, a sizable portion of the population has not yet been financially incorporated into our economic system.
That is what we hope to accomplish with digital transformation. Technology facilitates transformation, so if we drag our feet or adopt it slowly, we are moving backward.
In a genuine attempt to ensure that India and Indians don't fall behind in this digital transformation, NPCI has launched the UPI technology. During the pandemic, digital revolution has made it possible to connect with the most vulnerable groups in society.
Contactless, frictionless digital payments may let people keep a safe distance and stay indoors during the pandemic. The government is attempting to stop social security system leakage through digital payments, which deny the rightful owners of their fair portion of the economic pie.
What are “Digital wallets”?
Digital wallets, otherwise known as electronic wallets, e-wallet or mobile wallets, do away with the need to carry cash or wallets. It has led to the digitalisation of our physical wallets.
A digital wallet refers to a software application or online payment tool which has the same utility as physical wallets. It enables users to digitally store payment methods such as debit or credit cards, gift coupons, and even tickets, cryptocurrency.
This can be used to make electronic transactions ranging from mobile recharges, ticket bookings, transferring money, paying utility bills, making purchases in stores or online. To get started, users need to store their card information or bank account information in the app.
What is UPI ?
Unified Payment Interface (UPI) is an initiative of the National Payments Corporation of India (NPCI) . It is a major step towards introducing a cashless economy. This payment system allows users to link more than one bank account in a single app and transfer funds.
UPI will work if you have four basic things- a smartphone, an active bank account, mobile number linked to the bank account and interest connectivity.
This is a real time payment system where translations are carried on a real-time basis. Its security is ensured with a 2 factor authentication. A virtual payment address (VPA) is created by the UPI users and linked to the bank account.
frequently asked question
1. Which is the No 1 UPI app in India?
PhonePe has garnered the most popularity in India and is the No 1 UPI app in India.
2. Is PhonePe better than Google Pay?
Both PhonePe and Google pay offer UPI payments. But there is a catch. PhonePe offers wallet services whereas Google pay doesn’t. It directly debits from a bank account during transactions. Only a user can tell which is better and what works for them the best.
3. Which UPI payment is safe?
Yes, UPI payment is safe and relied upon by millions of people.
