In a game-changer for India’s digital payment revolution, the National Payments Corporation of India (NPCI) has spotlighted Offline UPI services, letting users send money, check balances, and handle transactions via a simple USSD code—*99#—even without data or apps. This move empowers millions in remote villages and low-connectivity areas to join the cashless economy seamlessly. Announced recently, these offline services build on the wildly popular Unified Payments Interface (UPI), which already processes billions of transactions monthly, making payments faster and more inclusive.
Moreover, users with basic feature phones can now transact on the go, boosting financial inclusion for rural folks, seniors, and travellers. With over 300 million UPI users already, this offline twist could skyrocket adoption in underserved regions, aligning with India’s push for a fully digital nation by 2030. So, here are all the details about this service.
How Offline UPI Services Work: Simple Steps To Start
Getting started with Offline UPI services takes just minutes, no downloads required. Dial *99# from your registered mobile number linked to a bank account, and follow the voice or text prompts. So, here’s the easy breakdown:
Also Read: How to Make UPI Payments Using Your Fingerprint or Face ID
- Register and Link: Select your bank from the menu. Set a UPI PIN with a one-time OTP sent via SMS, done in seconds.
- Send Money: Choose “Send,” enter the recipient’s mobile number, UPI ID, or account details with IFSC, add the amount, and confirm with your PIN.
- Check Balance or Request Funds: Pick “Balance” for instant updates or “Request” to nudge someone for payment, funds hit via IMPS.
- Multi-Language Support: Access menus in 13 Indian languages like Hindi, Tamil, or Bengali for hassle-free use.
Sessions stay secure and short (under two minutes), with encryption protecting every step.
Key Specs And Safeguards For Safe Transactions
Offline UPI services prioritize security and simplicity, but come with smart limits to fight fraud. Banks handle the backend, so it works across networks like Jio, Airtel, BSNL, and Vi.
- Transaction Limit: Up to Rs 5,000 per day, ideal for daily needs like groceries or bills.
- Fee Structure: Just Rs 0.50 per transaction (often waived for small amounts by banks).
- Device Compatibility: Runs on feature phones and basic smart devices, no internet or app needed.
- Security Features: No sensitive data stored on your phone; time-bound sessions prevent tampering.
Offline services could slash cash dependency in India’s hinterlands, fostering economic growth. As adoption surges, watch for more banks jumping in. India’s payment future just got offline-proof.
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