Does UPI need a debit card?

No, a debit card is not mandatory to set up and use UPI. While traditionally required, the National Payments Corporation of India (NPCI) now allows users to register using their Aadhaar details. To use this alternative, your mobile number must be linked to both your Aadhaar and your bank account. During setup, you can select the Aadhaar-based verification option to generate your UPI PIN via an OTP. This initiative ensures that individuals without a physical debit card can still access secure digital payments and participate in the digital economy.