10 Best UPI Apps in India of 2021

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For those who’re planning to start out utilizing UPI apps or are questioning if there are UPI apps that supply higher options and expertise, listed here are the highest UPI apps you should utilize in India proper now.

Best UPI Apps in India of 2021

1. Google Pay

Google Pay began off as an India-first cellular funds app ‘Tez’ and ultimately received rebranded. In line with NPCI’s newest figures, the platform processed 854.49 million buyer transactions price Rs.1,76,199.33 crores in December. You should utilize Google Pay for sending and receiving cash from pals & household, cellular recharge, invoice funds, and extra.

2. PhonePe

PhonePe is without doubt one of the finest UPI cost apps you should utilize in India. In realityPhonePe surpassed Google Pay by way of transactions in December. In line with NPCI, the app witnessed 902.03 million transactions price Rs. 1,82,126.88 crores. Other than UPI funds, PhonePe helps you recharge your telephone, pay bank card payments, on-line purchasing, medical health insurance, and rather more.

3. Amazon Pay

Though Amazon doesn’t have a devoted Amazon Pay UPI app, you may use the UPI performance throughout the Amazon Procuring app. One key benefit of Amazon Pay is the seamless integration for purchasing utilizing Amazon Pay Steadiness – Amazon’s digital pockets. Like different UPI apps on this checklist, you should utilize Amazon Pay to ship and obtain funds. You even have cellular recharge, payments, travels, insurance coverage, reward playing cards, and extraAmazon Pay is without a doubt one of the most rewarding apps with ample cash back and low cost affords. You may entry Amazon Pay from the Amazon app’s sidebar.

4. Paytm

For those who’re residing in India, you’ve in all probability heard of Paytm. Due to its market penetration methods, Paytm is broadly accepted and acknowledged nearly all over the place in India. In consequence, you can’t have any bother making cashless funds by Paytm within the nation. Paytm’s UI was absolute chaos earlier than, however latest updates have made it tolerable with fast entry to important options.

5. Freecharge

Freecharge was one of many main cost apps in India a number of years again, however, its recognition is on the decline within the latest previous. Don’t get me unsuitable, the app nonetheless managed to course of 1 million transactions price 59.9 crores in December of 2020. Nevertheless, Freecharge shouldn’t be as common because it was. You should utilize Freecharge for UPI transactions, cellular and DTH recharges, Google Play top-ups, and extra. The app has slight design cues, particularly within the backside navigation bar, which elevates the general aesthetic.

6. Mobikwik

Mobikwik is another choice you may contemplate when you want a feature-rich UPI app. One distinctive facet of Mobikwik is that you may generate UPI-powered private cost hyperlinks for seamlessly receiving cash from different UPI app customers. Mobikwik additionally affords the pliability of recharge and invoice funds, paying bank card payments, and rather more. Mobikwik’s staff has additionally packed an expense supervisor that will help you monitor all of your spendings and get a transaction historical past without counting on an expense tracker app.


For those who’re in search of a simple app from the makers of UPI, BHIM app needs to be your choice. In contrast to a lot of the different UPI apps, you may set a customized UPI of your alternative on the BHIM app so long as it isn’t taken. Other than this, you’ve commonplace options together with sending and receiving cash, invoice funds, and requesting cash. You may also find close by retailers that assist UPI commonplace from BHIM app.

8. Jio Pay

Because the identity suggests, Jio Pay is the cost resolution of Reliance Jio. Obtainable throughout the MyJio app, Jio Pay affords UPI funds, invoice funds, QR code scanning, & a passbook to maintain monitor of your transactions. For those who’re somebody who makes use of Reliance Jio’s software program choices by MyJio app, JioPay is one thing you shouldn’t miss out on.

9. WhatsApp Pay

Lastly, we’ve got the controversial WhatsApp Pay. After years of authorized hurdles, WhatsApp lastly managed to launch its UPI funds service in December of 2020.

10. BHIM Axis Pay

Opposite to common false impressionyou should utilize the Axis Financial institution’s BHIM Axis Pay app even when you don’t have an account in Axis Financial institution. Similar to different UPI apps, you may obtain and set up BHIM Axis Pay to make UPI funds. You additionally get further options like on-line recharges, DTH recharges, bank cards (for Axis financial institution clients) by this app. The expertise of utilizing this app is consistent with what you get with different conventional banking apps.

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