In this article, we have talked about the best UPI apps in India so if you are looking for UPI apps in india then you are at the right place. With the return of PM Modi 2.0 in 2019, digital India has continued to make new progress. UPI payments have played a big role in this movement.
Moreover, the nationwide lockdown due to COVID-19 in 2020, led to a massive increase in the number of people opting for online financial payments. In this time period, the value of UPI transactions has been soared by 107% in 2021.
The UPI stands for the Unified Payments Interface and today these payments have taken a substantial march ahead, so nowadays, the mobile app store is flooded with new and innovative UPI apps in India.
In short, the UPI, is an instant real-time payment system that was developed by NPCI(National Payments Corporation of India) as it helps in inter-bank transactions by instantly transferring the funds between two bank accounts on a mobile or web platform.
Due to this advancement in UPI payments, now the money can be sent to anyone across the nation within no time.
Anyways, not all UPI apps in India listed on the play store are equally good for making UPI payments because many times, the user interface of some of these best UPI apps in India are initially hard to understand.
So, in this article, we have selected the 10 best UPI apps in India which are easiest to use and definitely have worth checking out. They are:-
10 Best UPI Apps In India of 2021
Initially, the Google Pay was started off as the India’s first mobile payment app Tez and then it eventually got rebranded.
It is mentioned that according to NPCI’s latest figures, the company has maintained around 854.49 million customer transactions which worth Rs.1,76,199.33 crores in November.
This means that the people can use the Google Pay for sending and receiving money from their friends & family, recharging their mobile phones, bill payments, etc.
However, the Business section of Google Pay, can provide mini apps for food delivery, travel booking, toll payments, shopping and many more of such types.
This app also features the scheme of cashback through scratch cards for transactions.
The only disadvantage about the app is that when it comes to Google Pay you can not opt out of in-app events or separately disable the promotion notifications, with which the users can get annoyed sometimes.
The concept of the Scratch Card is that whenever any users makes a new transaction, then they are awarded with a gift card in the form of a scratch card.
Then after scratching the card, they can earn a gift in the form of money which directly gets credited into their registered bank account.
The PhonePe is one of the best UPI apps in India which is available for the people in India. In fact, the PhonePe has surpassed Google Pay in terms of transactions in September.
It is said that, according to NPCI, the app has managed around 902.03 million transactions which worth Rs. 1,82,126.88 crores.
Except the UPI payments, the app also helps you to recharge your phone, pay credit card bills, online shopping, health insurance, and many more. Similar to the Google Pay, you can get cashback for PhonePe transactions.
The only drawback about the app is that the app is cluttered with banner ads everywhere. Apart from this, sometimes the user interface can get overwhelming for new users.
The PhonePe is ranked second in our list of 10 best UPI apps in India as it is a revolutionary app which has made the Indian population start trusting and moreover making online mobile payments.
This application is definitely better than most of the other UPI apps in India or internet banking services.
If you are a resident of India, then you have probably heard about Paytm. Paytm is widely accepted and recognized almost everywhere in India because of this it’s excellent market penetration strategy.
So, as a result, the users will not have any trouble while making cashless payments through Paytm in the country.
The UI of the application was once an absolute chaos, but some recent updates have made it tolerable with quick access to essential features.
This is a quite well known and popular mobile payment app in India as it offers a feature of the Paytm Mall, Paytm Wallet and the Paytm UPI (which was initially introduced in the year 2017).
In layman language, we can call this app a mega store because it provides a variety of products and services to the users through the app.
The users of Paytm can perform almost each and every activity related to the online payments on the app and that is why it is certainly the most used payment app and is ranked third in our list of 10 best UPI apps in India.
Around, October, 2020, the Paytm has made almost 260.09 million transactions in volume with Rs 28,986.93 Cr in transaction value.
The app allows everything to do, that is from making online Payments to buying household items, groceries, IRCTC train ticket booking, bus & flight booking, movie tickets, LIC premium payment, metro card recharge, buying gold, making loan payments, paying E-challans, etc. can be done on this app.
However, Amazon does not have a dedicated Amazon Pay UPI app, but still you can use the UPI functionality within the Amazon Shopping app.
The one and only key advantage of Amazon Pay is that it has a seamless integration for shopping because it uses the Amazon Pay Balance that is the Amazon’s digital wallet.
Similar to the other Best UPI apps on our list, you can use the Amazon Pay to send and receive payments. With this app you also pay the mobile recharge, bills, travels, insurance, gift cards, and more.
This application is one of the most rewarding apps because it offers ample cashback and discount offers. You can even access the Amazon Pay from the Amazon app’s sidebar.
Up till, November 2020, the Amazon pay has been ranked as the fourth biggest app used by the people for making UPI transactions.
The company has got 37.15 million transactions in volume with Rs 3,624.51 Cr in transaction value in one month.
Being a part of the big brand of Amazon, has definitely helped the Amazon Pay to scale at such a fast pace in India within a small time frame.
However, it has been integrated with most shopping and payment gateways, along with awesome cashback rewards, the Amazon pay has become the darling of the UPI payers lately
If you are in the search of a straightforward and a simple app developed by the makers of UPI, the BHIM app should be definitely your pick.
This application is unlike most of the other UPI apps because with this app you can set a custom UPI of your choice on the BHIM app as long as it is not taken.
Except all this, the users are provided with standard features including sending and receiving money, bill payments, and requesting money.
While using this app the users can also locate the nearby shops that support UPI standard from BHIM app.
The app is ranking as the fifth most popular UPI apps in India because it is launched and managed by National Payments Corporation of India (NPCI), BHIM (Bharat Interface for Money) is a UPI enabled corporation which have taken the initiative to facilitate safe, easy & instant digital payments through the mobile phone.
Up till, November, 2020, the BHIM App has managed 0.31 million transactions in volume with Rs. 13.87 Cr in transaction value.
The Freecharge was once counted in the list one of the leading payment apps in India a few years back because of its popularity but today it is on the decline.
Despite of the downfall, the app can still manage to process 1 million transactions, which were worth around 59.9 crores in December, 2020.
Since, Freecharge is not as popular as it used to be in the past but you can still use the application for UPI transactions, mobile and DTH recharges, Google Play top-ups, etc.
The app has some slight neumorphic design cues, especially at the bottom if the navigation bar, which is used to elevates the overall aesthetic.
Thus, this app is another online payment mobile app in India which provides features like Mobile Recharges, bill payments, sending or receiving money through UPI directly after creating the BHIM UPI ID & linking your the bank account with the app.
Because of its simple user interface, everything inside the app seems quite easy while making UPI payments.
Besides this the app also offers the facility to do investment in Mutual Funds, making investments with SIPs, booking movie tickets, buying food, shopping, purchasing travel tickets, many more and all that too with an additional cashback and discounts for the users.
BHIM Axis Pay:
In contrary to the most popular misconception, that you can use the Axis Bank’s BHIM Axis Pay app even when you do not have an account in Axis Bank.
Just like all other UPI apps, you can also download and install BHIM Axis Pay to make your UPI payments.
The downloaded users can also get additional features like online recharges, DTH recharges, credit cards (only for Axis bank customers) through this app.
The best experience of using this app is that it is in line with what you get while using other traditional banking apps.
The advantages of the app is that:
- It has a feature of Custom UPI IDs
- It allows QR Code Scanning
- The Online recharges and DTH recharges can be done through this app.
The disadvantages of the app is that:
- It has a Traditional Banking App Interface
- The Setup process in the app needs a constant and stable mobile network data
As the name suggests, the Jio Pay is the only payment solution of Reliance Jio, which is available within the MyJio app.
The Jio Pay offers UPI payments, bill payments, QR code scanning, and a passbook to keep track of all the transactions of the users.
So, if you are someone who uses Reliance Jio’s software offerings through the MyJio app, then the JioPay is something you should definitely not miss out on.
Last year we had a lot of legal hurdles regarding the WhatsApp Pay but then finally the WhatsApp has managed to launch its UPI payments service in November,2020.
Since the usage of WhatsApp Pay was around 0.31 million in November, but it increased exponentially to about 0.81 million in December but the usage further declined in January.
The Mobikwik is the another best option for the users if they need a feature-rich UPI app for themselves because one of it’s unique aspect is that with this app you can generate your UPI-powered personal payment links for easily receiving your money from other UPI app users.
The app also offers the flexibility of allowing recharge and bill payments, paying credit card bills, etc.
The team of Mobikwik has also packed an expense manager in order to help the users by tracking all their spending and they can also get a transaction history without relying on any expense tracker app.
Despite all of this, the drawbacks about the app is that the company was allegedly a victim of a massive data breach in which they have compromised the data of almost 10 crore users, which includes the personal details & KYC soft copies (PAN, Aadhaar details).
Not only this the worst part about the company is that it had denied the claims and even went on to blame its users for the breach.
If that doesn’t make sense to you, then you should no longer trust Mobikwik and risk your privacy, after this all you have to do is to find the steps to delete your Mobikwik account from our linked article and switch to one of the UPI apps mentioned above.
At last I want to say that, if you like any of the above mentioned application then do tell us about your experience or else if you know any other application then you can also inform us by mentioning the app in the comment box mentioned below.