How can I use UPI without a bank account?

Yes, you can use UPI without linking a traditional bank account by utilizing digital wallets or specific UPI features. Some platforms offer "Pocket UPI" which allows payments using your wallet balance. Additionally, systems like UPI Lite and Aadhaar-based UPI enable limited use for offline or low-value transactions, although a verified identity is still required. These options help keep bank statements clutter-free.