is there any upi charges

No, basic UPI transactions for individuals are free of charge.

• Personal payments made directly between bank accounts via UPI do not incur any fees for the customer.
• A charge of 0.5% to 1.1% applies only to merchant transactions over ₹2,000 if the payment is made using a digital wallet (PPI).
• This fee is paid by the merchant, not by the customer.