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UPI & NPCI
NPCI's low-connectivity payment mode is now processing small-ticket transactions in areas where network coverage remains patchy, reshaping how rural India pays.
NPCI’s low-connectivity payment mode is now processing small-ticket transactions in areas where network coverage remains patchy, reshaping how rural India pays.
UPI Lite, designed to complete transactions without a live network round-trip, has crossed 100 million cumulative users, with adoption concentrated in Tier 3 towns and rural pin codes where connectivity drops are common.
Users can now authorise a secondary payer on their account with spend limits and real-time alerts.
A pilot across three states lets users complete UPI transactions via voice command on basic phones, without a smartphone or app.
Adoption is strongest in states with lower smartphone penetration, NPCI data shows.