UPI (Unified Payments Interface) has become India’s go-to method for fast and cashless transactions. But what happens when you’re stuck in a poor network area or using a basic keypad phone? Surprisingly, you can still make UPI payments—without internet access.

Here’s how it works, why it’s useful, and which banks support it.


1. The Offline UPI Hack – USSD Banking

The trick lies in using the USSD code *99#, a service launched by NPCI (National Payments Corporation of India).

It works on any mobile network, even in areas with no internet connection.

You don’t need a smartphone or UPI app—just a registered mobile number linked to your bank account.


2. Step-by-Step Guide to Make UPI Payments Without Internet

*Dial 99# from your registered mobile number.

Select your preferred language from the menu.

Choose the ‘Send Money’ option.

Enter recipient details: UPI ID, mobile number, or bank account number with IFSC code.

Type in the amount to be sent.

Confirm the transaction by entering your UPI PIN.

Once confirmed, the money is instantly transferred—just like a regular UPI transaction.


3. Why This Offline Method is a Game-Changer

No Internet Required – Perfect for rural areas or when data is unavailable.

Works on Keypad Phones – No need for a smartphone or UPI app.

24x7 Availability – Works even during server downtimes or app glitches.

No Extra Charges – The transaction fee is minimal or zero, depending on your bank.


4. Which Banks Offer This Facility?

Almost all major banks in india provide *99# UPI services, including:

State bank of india (SBI)

HDFC Bank

ICICI Bank

Axis Bank

Punjab National bank (PNB)

Bank of Baroda

And several others, covering both private and public sector banks.


5. Things to Keep in Mind

Ensure your mobile number is linked with your bank account.

You must have a valid UPI PIN set up beforehand.

Some banks may have transaction limits for offline payments.

Charges may vary, but most transactions cost around ₹0.50 to ₹1.50 per session.


6. Who Can Benefit the Most?

Rural Users – Limited internet connectivity? No problem.

Senior Citizens – Easy and simple for those who prefer keypad phones.

Travelers – Useful during road trips, trekking, or in remote zones.


7. The Future of Offline wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW'>digital Payments

With initiatives like UPI Lite and USSD-based UPI, india is pushing digital payments deeper into rural areas. Soon, even more advanced features like voice-based UPI payments may become mainstream.


Final Word – Pay Anytime, Stay Cash-Free!

The *99# service proves that digital payments are not limited by smartphones or data packs. Whether you’re in the middle of a forest or a no-network zone, UPI ensures your transactions never stop. Simple, secure, and always available—this is the future of payments.

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