NPCI's offline UPI service enables digital payments even without internet access. In places with poor or nonexistent data connectivity, users can send money, check balances, and manage their UPI accounts by dialling *99# from any mobile device.
The service, available through 83 banks and 4 telecom providers across India, supports transactions up to Rs 5,000 and operates in 13 languages, including English and Hindi. Users need only their registered mobile number to access banking services through this USSD-based system.
Understanding the offline UPI transaction service
The offline UPI payment system allows users to complete banking transactions via a simple dial-in code without requiring smartphone features or internet access. Here's what you need to know:

Feature	Details
Access Code	*99#
Transaction Limit	Rs 5,000 per transaction
Languages Available	13 (including English & Hindi)
Partner Banks	83
Telecom Partners	4
Transaction Fee	Rs 0.50 (may vary by bank)
Regulatory Authority	NPCI

How to set up your offline UPI service
To activate offline UPI payments on your phone:

Dial *99# from your registered mobile number

Select your preferred language from 13 available options

Enter your bank's IFSC code

Choose the account you want to link

Provide the last six digits and expiry date of your debit card

Complete verification to enable the service

How to make UPI transactions without internet
Once activated, follow these steps to send money:

Dial *99# on your mobile

Select option 1 for Send Money

Choose your transfer method (UPI ID, mobile number, or saved contact)

Enter recipient details

Input the amount (within Rs 5,000 limit)

Review payment information

Enter your UPI PIN to authorise

Receive confirmation message

To deactivate the service, dial *99# and follow the menu to disable offline UPI.
Here are some key advantages of making offline UPI payments

Benefit	What It Means
Wide Accessibility	Functions on any mobile phone without internet, suitable for rural and low-network regions
User-Friendly	Enables money transfers anytime and anywhere
Secure Transactions	Every transaction requires UPI PIN verification
Quick Processing	Completes transfers promptly without data connectivity

Important things to consider before using the offline UPI service

• Keep Your PIN Safe: Keep your UPI PIN private at all times.
• Check the details: Verify the recipient's details before completing any transactions.
• Battery for the monitor: Make sure your phone has enough power to finish payments.
• Recognise the Fees: Enquire about possible transaction fees with your bank.

Common questions you may have for offline UPI transactions
Why use offline UPI payments?
They enable transactions without an internet connection, making them practical for users in rural areas or regions with poor network coverage.
How secure are offline UPI transactions?
Encryption is used in transactions, and each transfer requires a UPI PIN.
Can I see the history of my transactions?
Yes, you can check your transaction records by entering *99# and navigating the menu.
Is there a spending cap?
The typical transaction limit is Rs 5,000, though each bank may have a different limit.
Which transactions are accepted?
You can send or request money, check account balances, and make merchant payments.
Who provides this service?
NPCI operates the service in partnership with banks and telecom providers nationwide.
Regardless of internet connectivity, offline UPI via *99# ensures digital payments remain available across India. The service offers a reliable option for routine transactions in areas with poor connectivity, though the Rs 5,000 transaction limit may not support larger payments.