💚 Digital Payments · Banking Exam 2025
UPI Lite
Complete Exam Guide
UPI Lite Limits · ₹1,000 Per Transaction · ₹5,000 Wallet Balance · ₹10,000 Daily Cap · No PIN · Auto Top-Up · UPI Lite X · Offline Payments · bob इ Pay · UPI vs UPI Lite · 40 MCQs — IBPS PO, RBI Grade B, SBI PO & Bank Internal Exams 2025
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📋 Table of Contents
💚
FoundationWhat is UPI Lite?
UPI Lite is an on-device wallet built within UPI-enabled apps that allows users to make small-value payments quickly — without entering a UPI PIN. Instead of debiting your bank account in real time for every small payment, UPI Lite pre-loads a small amount of money into a wallet stored on your phone, and deductions happen from that wallet — without hitting the bank server each time.
⚡ Core Exam Facts
- Launched by: NPCI (National Payments Corporation of India) under RBI guidance
- Type: On-device prepaid wallet — funded from your bank account
- No UPI PIN required for transactions (below the limit)
- Does NOT use the bank’s core banking system in real-time — reduces server load
- UPI Lite transactions do NOT count toward the standard ₹1 lakh daily UPI cap
- Only one bank account can be linked to a UPI Lite wallet per UPI app
- You cannot receive money through UPI Lite — only send/pay
💰
Most Tested — Know All ThreeCurrent UPI Lite Limits (Updated 2025)
₹1,000
Per Transaction Limit
No UPI PIN needed below this
⬆ Was ₹500 before Feb 2025
₹5,000
Maximum Wallet Balance
Max amount that can be loaded at a time
⬆ Was ₹2,000 before Dec 2024
₹10,000
Daily Spending Limit
Total payments per day via UPI Lite
NPCI cumulative daily cap
🧠 UPI Lite Memory Rule — 1-5-10
₹1,000 → ₹5,000 → ₹10,000
Per Transaction ₹1,000 | Wallet Balance ₹5,000 | Daily Cap ₹10,000
Pattern: 1 × 5 × 10 — each is 5× the previous
Pattern: 1 × 5 × 10 — each is 5× the previous
| Limit Type | Current (2025) | Previous | Changed By |
|---|---|---|---|
| Per Transaction | ₹1,000 | ₹500 | NPCI Circular UPI-OC-No-169-A (Feb 2025) / RBI Oct 2024 announcement |
| Max Wallet Balance | ₹5,000 | ₹2,000 | RBI Dec 2024 / NPCI implementation Feb 2025 |
| Daily Spending Cap | ₹10,000 | ₹4,000–₹10,000 (varied) | NPCI guideline |
| UPI Lite X (Offline) | ₹500 per txn | ₹200 | RBI guidelines for offline payments |
🎯 Limit History — Exam Key Points
- RBI Governor announced limit increase in October 2024 Monetary Policy
- RBI formally enhanced limits to ₹1,000/txn and ₹5,000/wallet in December 2024
- NPCI implemented via circular UPI-OC-No-169-A in February 2025
- Earlier limits: ₹500 per txn | ₹2,000 wallet — these are the wrong/old answers now
- PIN not required for UPI Lite transactions under ₹1,000
⚙️
MechanismHow UPI Lite Works
| Step | What Happens |
|---|---|
| 1. Enable | User enables UPI Lite in their UPI app (BHIM, BoB World, PhonePe, etc.) |
| 2. Load Wallet | User loads money from linked bank account into UPI Lite wallet (up to ₹5,000) |
| 3. Pay | For payments ≤₹1,000: deducted from wallet — no PIN, no bank server hit |
| 4. Settlement | Transactions are settled in batches later — not real-time per transaction |
| 5. Reload | Load more when wallet balance is low, or set up Auto Top-Up |
| 6. Transfer Out | Unused balance automatically returns to linked bank account when UPI Lite is disabled |
📌 Why No PIN? — The Core Reason
- UPI Lite runs on an on-device wallet, not a live bank account connection
- Since the money is pre-loaded on the device, the bank doesn’t process each transaction in real-time
- No bank server hit = no OTP/PIN needed = faster payments
- This is similar to how a pre-paid card or a bus pass works — value is stored on the card/device
- The wallet itself was authenticated when loaded — that authentication covers subsequent small payments
✨
All Key CharacteristicsKey Features of UPI Lite
No PIN Required
Payments up to ₹1,000 need no UPI PIN. Makes small payments faster than regular UPI.
Biggest benefitReduces Bank Load
Does not hit bank’s core banking system in real time for each transaction. Reduces UPI server load significantly.
Infrastructure benefitSeparate Daily Cap
UPI Lite transactions do NOT count toward the standard ₹1 lakh daily UPI limit. It runs as a separate rail.
Exam favouriteAuto Top-Up
Automatically reloads from linked bank account when balance falls below a threshold set by the user.
Convenience featureSingle Bank Link
Only ONE bank account can be linked to UPI Lite per UPI app. Same bank can be used on other apps.
RuleAuto Refund on Disable
When UPI Lite is disabled, unused balance is automatically returned to the linked bank account.
Consumer protectionOffline via Lite X
UPI Lite X enables offline P2P and P2M payments up to ₹500 without internet or bank connectivity.
Extended featureDormant Account Refund
If UPI Lite account is dormant (no transactions in 6 months), balance is automatically refunded to source bank account.
NPCI rule❌ What UPI Lite CANNOT Do
- Cannot receive money via UPI Lite — only outgoing payments
- Cannot do transactions above ₹1,000 via UPI Lite (use regular UPI for that)
- Cannot link multiple bank accounts to one UPI Lite wallet on the same app
- Does not earn interest on wallet balance
- Cannot be used for recurring mandates / AutoPay — only one-time payments
🔄
Frequently Tested FeatureAuto Top-Up
Auto Top-Up is a feature that automatically loads money into your UPI Lite wallet from your linked bank account when the wallet balance falls below a user-defined threshold. This ensures you never run out of UPI Lite balance for small payments.
| Step | How Auto Top-Up Works |
|---|---|
| 1. Setup | Go to UPI Lite section in app → Select “Auto Top-Up” → Set threshold amount and top-up amount |
| 2. Trigger | When wallet balance falls below your set threshold, automatic debit from bank account |
| 3. Load | Wallet is topped up to your preset amount (within the ₹5,000 max wallet limit) |
| 4. PIN | Initial auto top-up setup requires UPI PIN authentication — subsequent auto-loads do not |
✅ Auto Top-Up — Key Exam Points
- Auto top-up from BoB was enabled on 30 April 2024 (CBDC has same feature)
- Max wallet balance cannot exceed ₹5,000 even via auto top-up
- Customers can set their own auto top-up threshold — personalised control
- Eliminates need to manually reload wallet before every usage
- NPCI directed banks to facilitate automatic transfer of unused UPI Lite wallet balance back to bank accounts
📴
Offline Payments — Extended FeatureUPI Lite X
UPI Lite X is an offline payment mode built on top of UPI Lite. It allows payments even without internet connectivity — using Near Field Communication (NFC) or similar technology. Transactions are completed between devices without network access at the time of payment.
| Feature | UPI Lite | UPI Lite X |
|---|---|---|
| Internet Required? | Yes (for online payment) | No — works offline |
| Per Transaction Limit | ₹1,000 | ₹500 |
| PIN Required? | No (for ≤₹1,000) | No |
| Payment Types | P2M (merchants), online | Both P2P and P2M offline |
| Technology | Standard UPI App | NFC / Bluetooth based |
| Use Case | Normal daily small payments | Rural areas, poor connectivity zones |
📌 UPI Lite X — Exam Key Points
- UPI Lite X allows both P2P and P2M offline payments
- Per transaction limit for UPI Lite X = ₹500 (lower than UPI Lite’s ₹1,000)
- Designed for areas with low/no internet connectivity — supports financial inclusion
- Settlement happens when device comes back online
- Does NOT require bank server at the time of transaction
⚖️
Most Tested ComparisonUPI vs UPI Lite vs UPI Lite X
| Feature | Regular UPI | UPI Lite | UPI Lite X |
|---|---|---|---|
| Per Transaction Max | ₹1,00,000 (standard) | ₹1,000 | ₹500 |
| Daily Cap | ₹1,00,000 | ₹10,000 (separate cap) | ₹10,000 (shared with Lite) |
| PIN Required | Yes — every transaction | No (for ≤₹1,000) | No |
| Internet Required | Yes | Yes | No |
| Bank Server Hit | Yes — real time | No — batched later | No |
| Can Receive Money | Yes | No | No |
| Counts in ₹1L daily cap? | Yes | No — separate rail | No |
| Storage | Bank account (direct debit) | On-device wallet | On-device wallet |
| Best for | Large transactions, transfers | Frequent small purchases | Offline / rural areas |
| Charges | Free | Free | Free |
🏦
Bank of Baroda ContextUPI Lite in bob इ Pay (BoB)
📌 BoB-Specific UPI Lite Facts
- BoB’s UPI application = bob इ Pay
- UPI Lite is supported within bob इ Pay (available to BoB customers)
- UPI Lite limits in bob इ Pay follow standard NPCI rules: ₹1,000/txn, ₹5,000 wallet, ₹10,000 daily
- BoB CBDC (Digital Rupee) also introduced Auto Top-Up on 30 April 2024 — similar concept
- BoB World mobile app integrates both regular UPI and UPI Lite via bob इ Pay
- After new device registration or UPI PIN reset: standard UPI limit = ₹5,000 (separate security rule for regular UPI, not UPI Lite)
📅
Evolution of LimitsUPI Lite Limit History
| When | Per Transaction | Wallet Balance | Authority |
|---|---|---|---|
| At Launch (2022) | ₹200 | ₹2,000 | NPCI initial limits |
| Revised (2023) | ₹500 | ₹2,000 | NPCI enhancement |
| Oct 2024 | ₹1,000 (announced) | ₹5,000 (announced) | RBI Governor MPC announcement |
| Dec 2024 | ₹1,000 (effective) | ₹5,000 (effective) | RBI formal circular |
| Feb 2025 | ₹1,000 ✅ Current | ₹5,000 ✅ Current | NPCI Circular UPI-OC-No-169-A |
📜
All Must-Know RulesKey Rules & Restrictions
| Rule | Detail |
|---|---|
| One bank per app | Only ONE bank account can be linked to UPI Lite on a single UPI app |
| Multiple apps | Same bank account can power UPI Lite wallets on different apps (BHIM, PhonePe, bob इ Pay) |
| No receiving | Money CANNOT be received into UPI Lite — it’s outgoing only |
| No interest | UPI Lite wallet balance does NOT earn any interest |
| No AutoPay | Cannot be used for recurring mandates or auto-pay (EMIs, subscriptions) |
| Dormant refund | If no transactions for 6 months → balance auto-refunded to linked bank account |
| Disable = refund | Disabling UPI Lite automatically returns balance to linked bank account |
| Daily count | NPCI UPI Lite transactions do NOT count toward the 20-transaction daily UPI limit |
| No min balance | No minimum wallet balance required — can be ₹0 |
| Top-up method | Load via debit from linked bank account — NOT via credit card |
📝
Tap Any Option to Reveal AnswerMCQ Practice — 40 Questions (3 Chapters)
CH.1UPI Lite — Basics & LimitsQ.01–Q.16
UPI Lite is best described as:
✔ Correct: B
UPI Lite = on-device prepaid wallet within UPI-enabled apps (not a separate app). Money is pre-loaded from bank account. Payments up to ₹1,000 happen without PIN — quickly and without hitting the bank server.Current UPI Lite per transaction limit (as of 2025) is:
✔ Correct: C — ₹1,000
Current UPI Lite per transaction limit = ₹1,000 (enhanced from ₹500 via NPCI Circular UPI-OC-No-169-A, Feb 2025). Earlier the limit was ₹500 — don’t pick the old answer.Maximum UPI Lite wallet balance allowed is:
✔ Correct: C — ₹5,000
Maximum UPI Lite wallet balance = ₹5,000 (enhanced from ₹2,000 in Dec 2024/Feb 2025). The 1-5-10 rule: ₹1,000 per txn | ₹5,000 wallet | ₹10,000 daily.UPI Lite daily spending (cumulative) limit is:
✔ Correct: B — ₹10,000
UPI Lite daily cumulative cap = ₹10,000. This is separate from the standard UPI daily limit of ₹1 lakh. The 1-5-10 rule: ₹1,000 per txn | ₹5,000 wallet | ₹10,000 daily.UPI Lite transactions do NOT require UPI PIN because:
✔ Correct: B
UPI Lite stores money in an on-device wallet (not the bank account directly). Since the bank server is NOT accessed in real time for each payment, no UPI PIN is required per transaction. The authentication happened when loading the wallet.Who developed and launched UPI Lite?
✔ Correct: B — NPCI under RBI guidance
UPI Lite was designed and launched by NPCI (National Payments Corporation of India) under the guidance of RBI. RBI announces policy decisions (like limit enhancements); NPCI implements through circulars to member banks.UPI Lite transactions count toward the standard ₹1 lakh daily UPI limit:
✔ Correct: B — UPI Lite is a SEPARATE rail
UPI Lite transactions do NOT count toward the standard ₹1,00,000 daily UPI cap. It runs as a parallel/separate rail. This means you can do ₹10,000 via UPI Lite + ₹1,00,000 via regular UPI in the same day.Can money be received via UPI Lite?
✔ Correct: B — Cannot receive money
UPI Lite is outgoing payments only. You CANNOT receive money into a UPI Lite wallet. If someone sends you money via UPI, it goes to your regular bank account, not the UPI Lite wallet.How many bank accounts can be linked to UPI Lite on a single UPI app?
✔ Correct: A — Only ONE per app
Only ONE bank account can be linked to UPI Lite on a single UPI app. However, the same bank account can be used to create UPI Lite wallets on different apps (BHIM, PhonePe, bob इ Pay, etc.).When UPI Lite is disabled by the user, what happens to the wallet balance?
✔ Correct: C — Auto refund to bank account
When UPI Lite is disabled, any remaining wallet balance is automatically transferred back to the linked bank account. Similarly, if the account is dormant for 6 months, the balance is auto-refunded.Does UPI Lite wallet balance earn interest?
✔ Correct: C — No interest
UPI Lite wallet balance does NOT earn any interest — just like cash in your wallet doesn’t earn interest. This is why it’s best to only keep as much as you need for daily small purchases.The previous per-transaction limit of UPI Lite before the 2025 enhancement was:
✔ Correct: B — ₹500
Before the Feb 2025 NPCI circular, the per-transaction limit was ₹500. Before that (at launch), it was ₹200. Current limit = ₹1,000. Be careful — some old materials may still show ₹500.The previous maximum UPI Lite wallet balance before the 2024–25 enhancement was:
✔ Correct: A — ₹2,000
Previous wallet limit = ₹2,000 (enhanced to ₹5,000 via RBI Dec 2024 / NPCI Feb 2025). Old answer for wallet balance was ₹2,000 — now it is ₹5,000.The enhanced UPI Lite limits (₹1,000 per txn, ₹5,000 wallet) were announced by:
✔ Correct: B — RBI Governor Oct 2024 + NPCI Feb 2025
Sequence: RBI Governor Shaktikanta Das announced the increase in UPI Lite limits in the October 2024 Monetary Policy. RBI formally notified in Dec 2024. NPCI implemented via Circular UPI-OC-No-169-A in Feb 2025.If a UPI Lite account has no transactions for 6 months (dormant):
✔ Correct: C — Auto refund after 6 months dormancy
NPCI guideline: if UPI Lite has no transactions for 6 months, the balance is automatically refunded to the source bank account. The bank is directed to identify such dormant wallets.How can UPI Lite wallet be loaded (topped up)?
✔ Correct: C — Debit from linked bank account
UPI Lite wallet is loaded by debiting the linked bank account — either manually when needed, or automatically via Auto Top-Up when balance falls below threshold. Credit cards cannot be used to load UPI Lite.CH.2UPI Lite X, Auto Top-Up & FeaturesQ.17–Q.30
UPI Lite X is different from UPI Lite because:
✔ Correct: A — UPI Lite X works offline
UPI Lite X enables payments without internet — using NFC or similar technology. Regular UPI Lite requires internet. UPI Lite X has LOWER limits (₹500/txn vs ₹1,000 for UPI Lite).UPI Lite X per transaction limit is:
✔ Correct: B — ₹500
UPI Lite X offline transaction limit = ₹500 per transaction (lower than UPI Lite’s ₹1,000). This is because offline transactions carry higher risk and the lower limit provides a safety ceiling.UPI Lite X allows which types of payments?
✔ Correct: C — Both P2P and P2M offline
UPI Lite X supports both P2P (person-to-person) and P2M (person-to-merchant) offline payments. This is ideal for rural areas, underground spaces, and areas with no connectivity.Auto Top-Up in UPI Lite means:
✔ Correct: A — Auto-reload from bank account
Auto Top-Up = automatic debit from linked bank account → loaded into UPI Lite wallet when balance falls below a user-set threshold. Ensures seamless payments without manual reloading.What is the primary benefit of UPI Lite for the banking system?
✔ Correct: B — Reduces bank server load
UPI Lite’s core infrastructure benefit = reduces bank server load. Each small UPI Lite payment does not hit the bank’s core banking system in real time. Transactions are batched and settled later, significantly reducing the load.Can UPI Lite be used for EMI or recurring mandate (AutoPay) payments?
✔ Correct: C — Not for recurring mandates
UPI Lite is for one-time outgoing payments only. It cannot be used for AutoPay/recurring mandates (EMIs, subscriptions, SIPs). Those require regular UPI with full bank authentication.UPI Lite transactions are settled:
✔ Correct: C — Batched settlement
UPI Lite payments are settled in batches (not per-transaction in real time). This is what allows the bank server to avoid processing each ₹10–₹100 payment individually — a key efficiency gain.UPI Lite is useful for which type of transactions?
✔ Correct: A — Frequent small daily payments
UPI Lite is designed for frequent small-value payments — daily tea, bus tickets, small purchases, quick vendor payments under ₹1,000. Its PIN-less, instant nature makes it ideal for micro-transactions.Maximum wallet balance after Auto Top-Up:
✔ Correct: B — Cannot exceed ₹5,000
Even with Auto Top-Up, the wallet balance cannot exceed ₹5,000. Auto Top-Up simply automates the loading process — it doesn’t override the maximum wallet balance limit.UPI Lite X uses which technology for offline transactions?
✔ Correct: C — NFC / proximity technology
UPI Lite X uses NFC (Near Field Communication) or similar short-range wireless technology for offline payments. This allows device-to-device payments without internet at the time of transaction.Which statement CORRECTLY distinguishes UPI from UPI Lite?
✔ Correct: B
Key difference: Regular UPI = PIN required + real-time bank debit + ₹1L limit. UPI Lite = No PIN + pre-loaded wallet + ₹1,000 limit. Both are within the same UPI apps — Lite is an additional feature, not a separate app.UPI Lite helps achieve financial inclusion by:
✔ Correct: A
UPI Lite supports financial inclusion by making small digital payments accessible — no PIN friction, works in low-connectivity areas (via Lite X), reduces transaction failure rates, and is ideal for the vast informal economy of small traders and vendors.UPI Lite can be loaded using:
✔ Correct: D — Debit from linked bank account
UPI Lite wallet is loaded by debiting the linked bank account. The user needs to enter UPI PIN to authenticate this loading (top-up) transaction. Subsequent payments from the loaded wallet don’t need PIN.Bank of Baroda’s UPI app that supports UPI Lite is:
✔ Correct: C — bob इ Pay
BoB’s UPI application = bob इ Pay, integrated within the BoB World mobile app. UPI Lite is supported within bob इ Pay, following standard NPCI limits: ₹1,000/txn, ₹5,000 wallet, ₹10,000/day.CH.3Applied & Comprehensive QuestionsQ.31–Q.40
A customer makes 5 UPI Lite payments of ₹800 each in one day. Total = ₹4,000. What happens to their standard UPI ₹1 lakh daily limit?
✔ Correct: B — Standard UPI limit is unchanged
UPI Lite runs on a separate rail — its transactions do NOT reduce the standard ₹1 lakh UPI daily cap. The customer can still make ₹1,00,000 worth of regular UPI payments in the same day.A customer wants to pay ₹1,200 at a restaurant using UPI Lite. What happens?
✔ Correct: B — ₹1,200 exceeds UPI Lite per transaction limit
UPI Lite per transaction limit = ₹1,000. ₹1,200 exceeds this limit — the transaction cannot be done via UPI Lite. The customer should use regular UPI (with PIN) for the ₹1,200 payment.A customer’s UPI Lite wallet has ₹4,800. They want to load ₹400 more. What happens?
✔ Correct: A — Only ₹200 can be added
Maximum wallet balance = ₹5,000. Current balance = ₹4,800. Space remaining = ₹200. So only ₹200 more can be loaded. Loading ₹400 would attempt to breach the ₹5,000 cap — the app will restrict or allow only the remaining headroom.In an area with no internet, a customer wants to pay ₹300 at a local shop. Which payment option should they use?
✔ Correct: C — UPI Lite X
UPI Lite X is specifically designed for offline payments without internet. ₹300 is within the ₹500 UPI Lite X limit. Regular UPI and NEFT require internet connectivity.Which combination of limits is CORRECT for UPI Lite (2025)?
✔ Correct: C — ₹1,000 | ₹5,000 | ₹10,000
Current (2025) UPI Lite limits: ₹1,000 per transaction | ₹5,000 max wallet balance | ₹10,000 daily cumulative cap. Memory: 1-5-10 rule (each is 5× the previous).Which statement about UPI Lite is INCORRECT?
✔ Correct: C — This is INCORRECT
UPI Lite wallet balance does NOT earn interest and cannot be invested. Options A, B, and D are all correct statements about UPI Lite.NPCI Circular that implemented the enhanced UPI Lite limits was:
✔ Correct: B — NPCI Circular UPI-OC-No-169-A, Feb 2025
The enhanced UPI Lite limits (₹1,000 per txn, ₹5,000 wallet) were implemented via NPCI Circular UPI-OC-No-169-A issued in February 2025 — following RBI’s October 2024 announcement and December 2024 formal notification.UPI Lite is called an “on-device wallet” because:
✔ Correct: A — Balance stored on the device
“On-device” = the pre-loaded balance lives on the user’s phone (in the UPI app’s Client Layer / CL) rather than being fetched from the bank server per transaction. This enables faster, PIN-less, server-independent payments.For UPI Lite, which of the following requires UPI PIN?
✔ Correct: C — Loading the wallet requires PIN
Loading (top-up) of UPI Lite wallet requires UPI PIN — because this involves debiting the bank account (a sensitive operation). However, once loaded, subsequent payments from the wallet (up to ₹1,000) don’t need PIN.Which correctly summarises the 1-5-10 rule for UPI Lite?
✔ Correct: B
The 1-5-10 rule: ₹1,000 per transaction (no PIN) | ₹5,000 maximum wallet balance | ₹10,000 daily cumulative spending cap. Each number is 5× the previous. These are the current 2025 limits effective from Feb 2025.⚡
Last-Minute PrepQuick Revision Flash Cards
UPI Lite — What It Is
- On-device prepaid wallet within UPI apps
- Developed by NPCI under RBI guidance
- Payments without UPI PIN
- Does NOT hit bank server per transaction
- Only outgoing payments — cannot receive
Current Limits (2025)
- Per Transaction: ₹1,000
- Max Wallet Balance: ₹5,000
- Daily Cap: ₹10,000
- Memory: 1-5-10 rule
- Was: ₹500/txn, ₹2,000 wallet (old)
Limit History
- RBI MPC announcement: Oct 2024
- RBI formal notification: Dec 2024
- NPCI circular: UPI-OC-No-169-A, Feb 2025
- Previous txn limit: ₹500
- Previous wallet: ₹2,000
Auto Top-Up & Rules
- Auto reloads from bank when balance drops
- Wallet max ₹5,000 even with auto top-up
- Only ONE bank per UPI app
- No interest on balance
- Dormant 6 months → auto-refund to bank
- Disable UPI Lite → balance returns to bank
UPI Lite X (Offline)
- Works without internet
- Per transaction: ₹500 (lower than Lite)
- Supports P2P and P2M offline
- Uses NFC / proximity technology
- Settlement when device goes online
UPI vs UPI Lite
- Regular UPI: PIN required, ₹1L limit, real-time bank
- UPI Lite: No PIN, ₹1K limit, on-device wallet
- Lite = separate daily cap (not part of ₹1L)
- Lite transactions do NOT count in 20-txn daily count
BoB Context
- BoB UPI app: bob इ Pay
- UPI Lite supported in BoB World / bob इ Pay
- Limits follow NPCI: 1-5-10 rule
- Auto Top-Up in CBDC (e₹): 30 Apr 2024
Cannot Do via UPI Lite
- Cannot receive money
- Cannot pay above ₹1,000
- Cannot use for EMI / AutoPay
- Cannot link credit card
- Does not earn interest
📌 Must-Know Keywords
₹1,000 per transaction₹5,000 wallet max
₹10,000 daily cap1-5-10 rule
No PIN requiredOn-device wallet
NPCI + RBIUPI Lite X = offline
₹500 = UPI Lite X limitAuto Top-Up
NPCI Circular Feb 2025Cannot receive money
bob इ Pay = BoB’s UPI appSeparate daily cap