Central Idea

The National Payments Corporation of India (NPCI) has introduced a range of groundbreaking features on the popular Unified Payments Interface (UPI) platform.

Hello! UPI: Voice-Enabled UPI Payments

Hello! UPI, a remarkable addition, facilitates voice-enabled UPI payments in Hindi and English.
Users can make UPI payments through voice commands via apps, telecom calls, and IoT devices.
Future plans include expanding this feature to support several regional languages, further enhancing accessibility.

The RBI Governor introduced Credit Line on UPI, an initiative aimed at promoting financial inclusion and innovation.
This offering allows users to access pre-sanctioned credit from banks via UPI, simplifying the credit acquisition process.
Features include interest-free credit periods, defined charges, and seamless customer engagement channels.
The goal is to expedite the credit access process, driving economic growth and digital banking efficiency.

UPI LITE X introduces offline money transfers, enabling users to send and receive funds even without internet connectivity.
This feature empowers transactions in areas with poor network coverage.
UPI LITE payments are known for their speed and efficiency, making them a preferred choice for users.

UPI Tap & Pay offers a new way to complete payments at merchant locations.
In addition to traditional scan-and-pay, users can now tap Near Field Communication (NFC)-enabled QR codes.
This feature enhances convenience, making transactions swift and effortless.

Conversational UPI Payments and Conversational Bill Payments represent a paradigm shift in human-machine interaction.
These AI-enabled transactions aim to deepen the adoption of digital payments across India.
Users can make voice-enabled UPI payments through UPI Apps, telecom calls, and IoT devices in Hindi, English, and regional languages.
NPCI has collaborated with AI4Bharat at IIT Madras to develop language models for Hindi and English payments.

BillPay Connect introduces a nationalized number for bill payments across India.
Customers can conveniently fetch and pay bills through messaging apps with a simple ‘Hi.’
Even users without smartphones or immediate data access can pay bills via a missed call, followed by a verification call.
Voice Assisted Bill Payments via smart home devices offer added convenience and instant confirmation.
This innovation enhances security and reassurance for both customers and collection centers.

These pioneering features unveiled by NPCI mark a significant leap in India’s digital payment landscape.
They not only enhance accessibility but also redefine convenience, making digital transactions more user-friendly.
With innovative offerings like voice-enabled payments and streamlined credit access, NPCI continues to play a pivotal role in India’s technological advancement.
The journey towards a digitally empowered India takes a giant stride forward with these game-changing UPI features.