How to avoid UPI charges?

UPI transactions are typically free for peer-to-peer (P2P) transfers and direct peer-to-merchant (P2M) payments from a bank account, as per NPCI guidelines. To avoid charges, ensure your transactions are bank-to-bank transfers. Interchange fees of up to 1.1% apply only to payments exceeding Rs. 2,000 made through wallets or prepaid instruments to merchants. Keep wallet-based UPI payments below Rs. 2,000 to avoid these fees.