Can I use UPI without net banking?

Yes, you can use UPI without having net banking enabled. While a bank account is mandatory, UPI operates independently of net banking services. To register, you only need a mobile number linked to your bank account and a valid debit card or Aadhaar card to generate your UPI PIN. Once set up on a UPI-enabled app, you can instantly send and receive money, pay bills, and check balances 24/7 using your unique UPI ID.