A postpaid UPI credit line is a short-term digital credit facility embedded within the Unified Payments Interface (UPI) ecosystem. It empowers users to conduct UPI transactions (such as Scan & Pay and Person-to-Merchant (P2M) payments) using a pre-approved credit limit instead of directly debiting their bank accounts. Repayment of the borrowed funds occurs at a later date, typically within a defined billing cycle. This product is designed to be accessible to both existing bank customers (ETB) and new-to-bank (NTB) customers.

1. Open Paytm and scan any merchant QR code 2. Choose your Credit Line on UPI as the payment source 3. Enter the amount and UPI PIN to complete the transaction

You can use Credit Line on UPI for: • Paying merchants via QR code • Online purchases • Utility bill payments Note: P2P (Person-to-Person) transfers are restricted.

Instant Access to Funds: You can make payments even if you don't have sufficient funds in your bank account. Seamless UPI Experience: The credit facility is seamlessly integrated into the UPI platform. Widely Accepted: Since it runs on UPI rails, you can use it at millions of offline merchants and across online platforms. Builds Credit profile: Regular timely repayment of your UPI credit line can help strengthen your credit score over time

Yes. It is a revolving Credit Line on UPI – once you repay the amount used, your credit limit is restored and can be reused.