Which is better UPI or net banking?

Neither is inherently better; the superior choice depends on the transaction. UPI is ideal for quick, everyday, peer-to-peer, and merchant payments because it offers instant payments using only a PIN, is available 24/7, and is highly mobile-friendly. Net Banking is better for higher-value transactions, business use, scheduled payments, and accessing complete banking management tasks, although it is typically slower due to the login and multiple steps required.