UPI Lite on Paytm Launched! How to use and more details!

UPI Lite is live on the Paytm app. Customers can finally use Paytm to do UPI Lite transactions. Read on to know more.

by Vrushali.S Updated: 15 Feb, 2023, 17:32 IST
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UPI Lite is launched on the Paytm app and customers can do UPI Lite transactions of up to ₹200 without having to use their UPI pin. Recently, PhonePe also launched UPI International on their platform which is one more step taken by UPI to make cross-country payments easier and more convenient. Earlier this month, we also shared the news of UPI Lite soon launching on Paytm, Gpay, and other UPI Payment apps. In the same article, we also shared what is UPI Lite, Countries where UPI Lite is available, How does UPI Lite work, and more.

UPI Lite on Paytm Launched! How to use and more details!


UPI Lite on Paytm is a new feature added by the payments app. Using UPI Lite on Paytm, customers can do offline payments to any vendor, family, or friend using their UPI Lite wallet. Note that only transactions up to ₹200 do not need a UPI Pin. For UPI Lite transactions above ₹200 on Paytm, you need to add your UPI Pin to validate the payment.

To activate UPI Lite on Paytm, you need to first make sure your bank supports the UPI Lite feature. Currently, the banks that support UPI Lite transactions are Canara Bank, HDFC Bank, Indian Bank, Kotak Mahindra Bank, Punjab National Bank, State Bank of India, Union Bank of India, and Utkarsh Small Finance Bank.




Next users need to enable the “On-device payment” option or the “UPI Lite” option on their UPI app. Accept the terms and conditions and transfer funds up to a maximum ₹2000 from their UPI-linked bank account to their UPI Lite wallet.

Note, that it is also said that as these UPI Lite transactions do not need an internet connection and neither a UPI Pin (for up to ₹200 transactions) it is recommended to use your UPI-bank account linked phone number while making the payment as these transactions may use certain cryptic codes present in the SIM cards to facilitate the payment.

Also read:

UPI Limit for Google Pay, Paytm, PhonePe, and other Wallets in 2023

Review Expert
Vrushali Sawant is an experienced content writer with a love for knowledge & extensive research. She writes product recommendations & reviews, buying guides, trending news & offers. When not working, you'd find her reading about the cosmos & universe.
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Comrade Comrade
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Upi lite is working but without internet its not working. Tried bhim upi app also same without internet its not working
Review Expert Review Expert
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UPI Lite does not need internet or UPI Pin only for transactions below 200. If it's above it, you'd be required to add your UPI Pin. Also, crediting does require an internet connection. Debiting up to 200 won't. 
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Entertainer Entertainer
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Any fraud risk in this, since no pin required?
Critic Critic
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Fraud risk is not determined solely by pin requirement. Tap & pay txns also have no otp/pin requirement but there has been zero fraud case in all these years because unlike these merchant accs not just anybody can open an acc to receive money from such tap & pay txns.
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Deal Subedar Deal Subedar
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No option in IOS app

Review Expert Review Expert
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It is visible on Android devices. I think it should be available on iOS by now. Please check. 
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Deal Cadet Deal Cadet
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where option is showing?
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In the Paytm app, it is visible now.
Community Angel Community Angel
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It would be great if it works without internet. 

Helpful Helpful
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*UPI IS GAME CHANGER* Modi Hai Toh Mumkin Hai 👏 
Deal Cadet Deal Cadet
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It will be available on IOS in a month or so. Regarding offline mode.. Its in pipeline but not supported yet. You need active internet connection. and regarding security. It's a on device wallet, just like cash so txn should go seamless thats why pin is not asked. Better to put security shield if you are concerned.
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