In today’s time, smartphones and internet have become an important part of our lives. From social media to digital payments, most of the work is done online. Sending money has become very easy through UPI apps like Google Pay, PhonePe, Paytm and BHIM. But what to do if the internet suddenly stops?

Online payment becomes difficult in situations like network outage, data loss or weak signal. However, very few people know that money can be transferred through UPI even without internet. For this, *99# service started by NPCI is used.

What is offline UPI transaction?

The offline UPI service works through *99# USSD code. It was started by the National Payments Corporation of India (NPCI), so that digital payments can be made possible even without internet and smartphone.

Through this service, users can send money, check balance and get transaction information using the dial pad of the mobile.

Necessary conditions before using offline UPI

Keep the following points in mind before using this service:

• Mobile number should be linked to bank account


• The same registered SIM is installed in the phone


• One time registration is required on BHIM app


• There should be sufficient balance in the bank account


• UPI PIN must be already set

After fulfilling these conditions, you can use UPI without internet.

How to transfer money through UPI without internet: Step-by-step guide

Follow the simple steps given below:

step 1:
Open your phone’s dial pad and select *99# Call by dialing.

Step 2:
Several options will appear on the screen, such as:

• send money


• get money


• check balance


• profile


• pending request


• transaction


• UPI PIN

Step 3:
to send money 1 Press.

Step 4:
Now choose the transfer method:

• mobile number


• UPI ID


• Bank account number and IFSC code

Step 5:
Enter the beneficiary information carefully.

Step 6:
Now enter the amount to send.

Step 7:
finally my UPI PIN Enter and confirm the transaction.

If the correct information is available, the money will be transferred immediately.

Benefits of offline UPI

• No internet or Wi-Fi required


• Works on feature phones too


• Very useful during network problems


• Secure and regulated by NPCI


• easy and reliable

necessary precautions

• USSD service may incur nominal charges


• Transaction process may be a little slow


• Do not share your UPI PIN with anyone


• Check beneficiary information carefully

Offline UPI service is extremely helpful in situations when internet is not available. You can make digital payment through *99# without any hassle. By registering once on the BHIM app, you can be prepared for any network problems in future. This facility is a strong step towards Digital India.