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

NPCI- UPI Lite Raw Data File Version 4.0

06-Jun-2025 | NPCI/2025-26/NACH/003

National Payments Corporation of India (NPCI) has issued a circular to all members of the Unified Payments Interface (UPI) regarding the implementation of UPI Lite Raw Data File Version 4.0, effective October 1, 2025.

Currently, various banks are using different versions of the raw files (ranging from 1.0 to 4.0). To promote uniformity and simplify maintenance, NPCI has decided to withdraw the lower versions of the raw files, with the ultimate goal of transitioning all banks to version 4.0.

The following actions are required from banks using different versions:

1. Banks currently utilizing UPI Lite version 3.0 must upgrade to the new version 4.0. This new version will include an additional column for UPI Lite balance in the transaction data.

2. Banks still operating on older versions (1.0 or 2.0) are advised to upgrade to version 4.0 to be prepared for UPI Lite.

3. Withdrawal of older versions:
a. Banks already using UPI Lite must switch to version 4.0, as version 3.0 will be discontinued.
b. Banks using versions 1.0 or 2.0 should aim to upgrade to version 4.0. If that is not feasible, they must switch to version 3.0. Versions 1.0 and 2.0 will be discontinued.

Member banks are advised to take note of these changes and make the necessary adjustments in all applicable systems to ensure smooth and efficient daily reconciliation.

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