Which UPI doesn't need a bank account?

UPI Lite functions as an on-device wallet, which is the mechanism that allows it to operate differently from standard UPI transactions. While you must initially choose an eligible bank account to add funds to the UPI Lite balance, it then allows for payments up to ₹1,000 INR without a UPI PIN. This feature keeps small transaction details off bank statements, treating it like a separate digital pocket.