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Offline UPI Tap-and-Pay: NPCI’s NFC Feature Up to ₹2,000

25 July 20261 min read
BANKING & FINANCEOffline UPITap-and-Pay:NPCI’s NFC FeatureUp to ₹2,00025 July 2026safalsetu.com

Why in the news

NPCI is preparing a UPI mode for places with no network, using a tap between NFC-enabled devices.

Key facts

  • Builder: NPCI; cap without internet: ₹2,000.
  • Method: NFC tap, no QR scan; the payee’s UPI ID or VPA is picked up.
  • It extends UPI Lite X and narrows the gap with contactless cards.

Exam angle

  • NPCI, NFC, ₹2,000; VPA = Virtual Payment Address, a unique address linked to a bank account.
  • NFC is a short-range wireless technology for contactless payments.

Test yourself

1. What maximum amount can be paid without internet using NPCI's proposed offline NFC Tap-and-Pay UPI feature?

The feature allows UPI payments up to ₹2,000 without connectivity.

2. Which technology powers NPCI's offline Tap-and-Pay UPI feature?

The feature relies on NFC, a short-range contactless technology.

3. Which earlier initiative does NPCI's offline Tap-and-Pay UPI feature build upon?

It builds upon earlier initiatives such as UPI Lite X.

This topic is part of Daily Current Affairs 24 & 25 July 2026 (24 topics).

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