What is the difference between net banking and UPI?

Net banking and UPI are both digital payment methods but differ in their approach and usage. UPI is a mobile-first platform that allows instant, real-time money transfers 24/7 using a Virtual Payment Address (VPA) or QR code, without needing bank account details. Net banking is a broader online service for managing accounts, allowing for larger fund transfers via NEFT, RTGS, or IMPS, and requires logging in with a user ID and password. While UPI is ideal for small, quick daily transactions, net banking is better suited for high-value transfers and comprehensive financial management.