How to make UPI without a bank account?

Generally, a bank account is mandatory to create a UPI ID as the system is designed to facilitate instant fund transfers directly between bank accounts. However, users can access UPI-like services without a traditional bank account by using digital wallets that offer wallet-based UPI IDs. Key requirements for standard UPI include:

• An active savings or current account in a UPI-enabled bank.
• A mobile number registered with the bank for OTP verification.
• A debit card linked to the account to set the secure UPI PIN.