15 Best UPI Apps in India 2025
Over the last five years, the volume of digital payments in India has elevated exponentially. This is primarily because of the adoption of Unified Payments Interface (UPI) technology developed by the National Payments Corporation of India (NPCI). UPI is an instant payment system where you can transfer funds from one bank to the other in a few seconds. Presently in August 2024, UPI has registered around 14.96 billion transactions, which roughly translates to Rs 20,60,735.57 crore. A sizable chunk of share originates from Third Party Application Providers (TPAPs). In the financial sector, many made-in-India applications are connected to banking applications for a better user experience.
The first app that enabled UPI payments in India between the bank accounts was BHIM. Six years later many strong players have entered into the market by offering new and innovative services. In this comprehensive blog post, we are going to share with you the best UPI apps in India that will meet your needs.
| Sr. No. | TPAP | PSP Banks | Handle Name |
|---|---|---|---|
| 1 | FREO | ICICI Bank | @freocicici |
| 2 | Google Pay |
HDFC Bank ICIC |
@okhdfcbank @okicici |
| 3 | PhonePe |
Yes Bank ICICI Bank Axis Bank |
@ybl @ibl @axl |
| 4 | Paytm |
Yes Bank Axis Bank HDFC Bank SBI |
@paytm @ptyes @ptaxis @pthdfc @ptsbi |
| 5 | CRED | Axis Bank | @axisb |
| 6 | Amazon Pay |
Axis Bank Yes Bank RBL Bank |
@apl @yapl @rapl |
| 7 | MobiKwik | HDFC Bank | @ikwik |
Top 15 Best UPI Apps in India 2025
1
FREO, formerly known as MoneyTap, is a digital banking platform and app in India that offers financial services to millennials and others. Freo's services include:
Savings accounts: Earn up to 7% interest
Loans: Borrow money for personal loans, flexible EMIs, and instant loans
Credit cards: Offers credit and EMI cards
Other services: UPI, Check bank balances, manage multiple accounts, pay bills, and more
Freo was founded in 2015 by Bala Parthasarathy, Kunal Verma, and Anuj Kacker. It started as an app-based personal loan in 2016 and has since evolved into a new bank. Freo has over 2 million users in more than 1,200 cities and doesn't have any physical branches.
2
Google Pay is a digital wallet developed by Google that allows the user to pay online using their mobile devices. Users can make payments via watches, tablets, Android and iOS devices.
Sending & Receiving Payments - Through Google Pay, you can easily send and receive the payment to friends and even split the bill.
Gift Cards & Cashbacks - Every transaction provides you with a scratch card that has a cashback voucher or discount coupon for a particular product/brand.
Bill Payments - Pay all your utility bills through one tap on Google Pay. You can also set up a reminder for the next payment due date.
Bank Balance Inquiry - Check your bank balance within a few seconds.
3
Another popular digital payment application is PhonePe, which provides UPI-based money transfers, bill payments and recharges. This application provides a seamless interface and tons of features to the users.
UPI-Lite - Through UPI-Lite, you can pay for transactions under Rs.200 without requiring a PIN.
Insurance - The application provides an insurance plan to save you from unforeseen circumstances.
Investment - You can now invest in mutual funds and grow money by using PhonePe.
Lending - PhonePe provides you with lending services without visiting the bank. It's completely digital, transparent, and no sales call (that’s a relief) isn’t it?
4
The Bharat Interface for Money app was launched in 2016 by the National Payments Corporation India (NPCI). This government-backed application provides plenty of features to individuals.
Offline Payment: Now, you can make offline payments without requiring an internet connection.
Languages: Currently, the application is available in 20 languages.
IPO Allotment: you can apply for IPO by using your BHIM UPI ID
Auto-Payment: You can now set auto-payment reminders for your recurring bills and mobile recharge.
5
Paytm is a well-known app in India. Apart from money transfer, the app provides you ample features, shops locally, and even applies Paytm cards for payment.
Multiple Payment Options - Paytm UPI supports various payment options like scanning, QR code, UPI ID, mobile number, and more.
Bill Payments & Online Purchase - You can pay all your bills and make online purchases, book flights, trains, and more.
Bank Account Linkage - you can link various bank accounts to a single UPI ID.
Transaction History - This provides you with an instant payment history of your transactions.
6
Cred is a reward-backed platform where users can manage and pay their credit card bills and maintain their credit card scores.
Credit Card Payment Journey - Through Cred, you can track down all the expenses, set due date reminders, and gauge the card usage statistics.
Send Money - You can send money to anyone at any time through CRED and avail points for it.
CRED Store - It’s a store for exclusive members where they can shop from their favourite brands and products at a discounted rate.
7
Amazon Pay allows you to pay for all the purchases made via your Amazon account. Additionally, it works seamlessly with other stores too thereby making it another excellent addition for UPI applications.
Amazon Pay Later - Amazon recently launched a feature where eligible customers can purchase a range of products and pay in the succeeding month or even opt for EMI.
Book Train Tickets - By partnering with the Indian Railway Catering and Tourism Corporation (IRCTC), customers can reserve tickets.
Insurance Policy - Amazon Pay also provides insurance coverage to two and four wheelers. Zero paperwork and hassle-free process, making it beneficial for the customers.
Smart Stores - This feature enables you to scan through a QR code that will present you with the available products within the range.
8
We know that so many of you remember Freecharge starting as a mobile recharge application. But with time, it turned into a fully-fledged UPI application where you can transfer money and pay bills.
Transfer Money - With one tap, you can send and receive the money. You can also receive certain cashback offers.
Security - Freecharge is backed by Axis Bank, which makes it a reliable and secure UPI payment.
Buy Now Pay Later - you can purchase products, pay later and avail benefits or cashback.
9
MobiKwik is a digital wallet that provides a variety of facilities and features like recharges, bill payments, and more.
Online Shopping - You can shop from leading merchants and brands through MobiKwik.
Cash Deposit and Cash Pickups - You can visit a nearby centre and deposit cash by generating an order from your wallet. Cash Pickup facility is available in selected cities like Delhi/ NCR, Mumbai, and Jaipur.
Offers - Every transaction through MobiKwik will provide you with an exciting offer or cashback. From booking tickets to referring someone - you can enjoy cashback and discounts.
10
PayZapp is more than a digital wallet. It’s a financial management solution that’s been led by HDFC.
Wide Range of Payments - Through PayZapp, you can pay your electricity bills, gas bills, recharges, DTH, and so much more.
OTP-Less Payments - Linking HDFC Debit/Credit card will make payments in one swipe. No longer need to wait for the OTPs.
Passbook - PayZapp provides you with a passbook feature where you can check out all the transaction history.
11
WhatsApp Pay is a built-in UPI payment feature within the popular messaging app, WhatsApp. It allows users to send and receive money directly within their chats, offering a seamless and intuitive way to manage transactions with friends and family.
Sending & Receiving Payments – With WhatsApp Pay, you can transfer money directly to your contacts within a chat window, without switching apps.
Quick Setup – Users can simply link their bank accounts via UPI in just a few steps to start making payments.
Secure Transactions – Backed by BHIM UPI, WhatsApp Pay ensures end-to-end encryption, adding an extra layer of security.
No Transaction Fees – Enjoy fee-free transfers to anyone in your contact list.
Familiar User Interface – Built into WhatsApp, it’s especially convenient for those already using the app.
12
Navi is a modern digital app that combines UPI payments with a wide range of financial services. Designed for the tech-savvy Indian, Navi offers smooth money transfers while also providing access to loans, insurance, and investment tools.
Unified Platform – Navi serves as a one-stop destination for UPI payment in India, combining banking, payments, and financial products.
Bill Payments – Easily manage and pay utility bills using the UPI dashboard.
Investments & Insurance – Invest in mutual funds or buy health insurance from Navi directly within the app.
Loan Offers – Browse and get personal loans with minimal paperwork.
Budgeting Tools – Use financial calculators to plan your expenses and savings better.
13
Slice stands out as a credit-first UPI app that offers a prepaid card with instant credit access. With its sharp focus on young users and cashback benefits, Slice has rapidly become a top UPI payment app in India.
Virtual Credit Line – Get access to a RuPay-powered Slice card that offers short-term credit, even without a traditional credit card.
UPI & Bill Payments – Make seamless UPI payments and recharge your mobile or DTH connections.
Cashback Mini-Games – Earn rewards and cashback via fun in-app mini-games after every UPI transaction.
Spend Tracking – Track your expenses and budget your monthly spending with ease.
EMI Flexibility – Convert your purchases into easy EMIs for smoother financial planning.
14
Super.Money by Flipkart is a new-age UPI app that focuses on actual cashback instead of reward points. Launched with a promise to make payments more rewarding, it’s a fresh addition to the list of UPI payment apps in India.
Cashback Offers – Earn up to 5% cashback on transactions made through Flipkart, Myntra, and other partnered merchants.
Credit on UPI – Get instant credit support with UPI for everyday purchases in partnership with banks.
Merchant QR Payments – Scan any UPI QR code and earn cashback on successful payments.
Boost Credit Score – Make regular payments and improve your credit history with Super.Money’s UPI-linked credit card system.
Bank Partnerships – Collaborates with Axis Bank and IndusInd Bank for added trust and security.
15
Jupiter is a smart digital banking app designed for India's new generation of earners and spenders. With a host of budgeting tools and rewards, it also doubles as one of the best UPI apps in India for savings and daily transactions.
UPI Transfers – Send and receive money instantly via UPI directly from your Jupiter account.
Assured Cashback – Get 1% assured cashback on every UPI payment, and up to 2% on select categories.
Zero Balance Account – Open a fully digital zero-balance account in minutes, powered by Federal Bank.
Smart Budgeting – Track spending, create pots for savings, and plan your financial future with smart tools.
Tap-to-Pay Debit Card – Enjoy tap-and-pay convenience along with a free NFC-enabled international debit card.
Final Thoughts
It can be challenging to pick UPI apps available in India, but making the correct decision can improve your digital payment experience. The above blog sums up the top contenders that provide a diverse set of features. Depending upon your specific requirements, you can opt for the app that provides enhanced features.
FAQ
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