How to do Offline UPI Payments?

1. Dial *99# on your handset. 
2. Next, enter ‘1’ for sending money. 

1. Enter mobile number/ UPI ID/ bank account details of the receiver to whom you are going to send the money. 
2. Enter the amount you are going to transfer. 
3. Next, enter your UPI PIN. 
4. Once you are done with all the steps, your transaction will successfully be completed.

How to Set Up Offline UPI Payments

Here’s the step-by-step guide on how to set up offline UPI payments: 

1. Dial *99# from your mobile number which is linked to your UPI ID and bank account. 

1. Select the desired language. 
2. Enter your bank name after which you will see the list of your bank accounts which are linked to your mobile number. 
3. Select your preferred bank account number. 
4. Now, enter the last six digits of your debit card. 
5. Enter the expiry date of the same debit card. 

1. Once you are done with all the above-mentioned steps, you can make your UPI payments without an internet connection. 

Benefits of Using Offline UPI Payments

Offline UPI payments offer several advantages, especially for users in remote areas or with limited internet access. Some key benefits include:

1. Internet Independence: No need for mobile data or Wi-Fi.
2. 24/7 Availability: Transactions can be done anytime, even during internet outages.
3. Accessibility: Useful for feature phone users or smartphones without apps.
4. Cost-effective: No service charges for using the *99# platform.
5. Instant Transfers: Real-time money transfer through UPI even without the internet.

Top Features of *99# for Offline UPI Payments

The following are the important features of *99# service:

1. It supports menu-based apps which is easy to use for people. 
2. The service is used anytime and anywhere and even works on holidays. 

1. It is accessible through a common code *99# across particular Global System for Mobile Communication (GSM) operators as well as mobile handsets. 
2. It has an additional channel for using the BHIM application. 

Services Provided Through *99# Service

The following are the financial, non-financial and Value-Added Services offered through *99# service:

Eligibility Criteria for Using 99# UPI Service

To access offline UPI payment services through *99#, users must meet the following criteria:

1. A valid savings or current bank account linked to UPI.
2. A mobile number registered with the bank.
3. Basic mobile handset (smartphone or feature phone).
4. Network operator should support *99# USSD service.
5. UPI-enabled bank that supports *99# transactions.

Supported Banks for 99# UPI Offline Transactions

Not all banks support *99#, but major public and private sector banks do. Some examples include:

1. State Bank of India (SBI)
2. HDFC Bank
3. ICICI Bank
4. Bank of Baroda
5. Axis Bank
6. Punjab National Bank (PNB)
7. Canara Bank You can check the full list on the NPCI’s official website or your bank's portal.