Can I use Paytm UPI without KYC?

Yes, you can use UPI on Paytm for basic money transfers without completing a separate KYC process on the app. UPI relies on your existing bank account, which must already be KYC-compliant as per RBI guidelines. To start, you only need an active bank account linked to your registered mobile number and a debit card to set your UPI PIN. This allows you to send and receive funds directly between bank accounts, typically up to 1,00,000 INR per transaction, as regulated by NPCI.