How to create a UPI ID without a smartphone?

You can create a UPI ID without a smartphone by using the *99# USSD service or the UPI 123PAY IVR service. These methods allow feature phone users to register and perform transactions without an internet connection. To set up your account via *99#:

• Dial \*99\# from your registered mobile number and select your preferred language.
• Enter your bank name or the first four digits of your IFSC code.
• Select the bank account you wish to link.
• Input the last six digits and the expiry date of your debit card.
• Set and confirm your unique UPI PIN to complete the registration.