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UPI Lite is a simplified version of UPI (Unified Payments Interface) introduced by NPCI (National Payments Corporation of India) to enable faster, PIN-less transactions for small-value payments.

What Makes UPI Lite Different?

Feature	Regular UPI	UPI Lite
UPI PIN Required	Yes, for every transaction	No, for transactions up to ₹500
Transaction Limit	Up to ₹1 lakh per transaction	Up to ₹500 per transaction
Wallet Balance	Directly from bank account	Pre-loaded wallet (max ₹2,000)
Speed	Fast	Near-instant
Network Dependency	Requires stable connection	Works with minimal connectivity

How UPI Lite Works

Load Money: You transfer money from your bank account to your UPI Lite wallet (maximum ₹2,000).
Make Payments: For transactions up to ₹500, money is deducted from your UPI Lite balance without entering your UPI PIN.
Auto Top-Up (Optional): Some apps offer automatic top-up when your balance falls below a threshold.

Benefits of UPI Lite

Speed: Transactions are processed instantly without PIN verification.
Convenience: Perfect for everyday small purchases like tea, snacks, parking, etc.
Reduced Failures: Transactions are less likely to fail as they don't depend on bank server availability.
Offline Capability: Can work with limited network connectivity.