Does UPI work without internet?

Yes, UPI can be used offline through the USSD (Unstructured Supplementary Service Data) service by dialing *99#. This feature, introduced by the National Payments Corporation of India (NPCI), allows users to access various banking services like sending money, checking balances, and changing their UPI PIN without needing an active internet connection or a smartphone. This service is particularly beneficial in areas with poor network coverage.