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Corporate Laws Central Ministry of Finance Reserve Bank of India Act, 1934

NPCI issues Circular regarding the Introduction of Auto Top-up on UPI Lite

27-Aug-2024 | NPCI/UPI/OC No. 205/2024-25

NPCI has issued a circular regarding Introduction of Auto Top-up on UPI Lite in reference to NPCI circular NPCI/UPI/OC No. 138/2021-22 and NPCI/UPI/OC No. 169/2023-24, effective from 27th August, 2024.

Vide this circular, a new feature of Auto Top-up is introduced on UPI Lite. With this new feature, UPI Lite balance will automatically reloaded by an amount chosen by the user, not exceeding the UPI Lite balance limit, whenever the balance falls below a minimum limit set by the user.

Further, Members (Banks & PSP / App) are required to ensure below guidelines are followed:-

1. Issuer banks live on UPI LITE shall support the functionality of Auto Top-up on UPI LITE by allowing creation of UPI LITE mandate and allowing debits whenever the request comes from the PSP / App.
2. UPI Apps shall support the necessary functionality and interface on their App for the customer to use Auto Top-up on UPI LITE.
3. Members shall ensure that the mandate created successfully are executed successfully. All the necessary validation should be present at the time of mandate creation.
4. PSP / Apps shall put necessary controls to limit the number of auto-replenishment transactions to 5 per day per LITE account.

Kindly refer to the attached circulars for more information.

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