Does UPI work without data?

Yes, UPI transactions can be made without an internet connection using the USSD service by dialing the code *99# from the mobile number registered with your bank. This service is regulated by NPCI and allows users to send money, check balance, and perform other banking services via an interactive menu, making digital payments accessible even in areas with poor network coverage. There is a nominal charge of ₹0.50 per transaction, with a limit of ₹5,000.