On Jun. 6, 2025, IND NPC said new UPI Lite raw data file v4.0 will be introduced.
Currently, banks are using various versions of raw files; to bring uniformity, all banks are urged to adopt v4.0, which includes a column for UPI Lite balance per transaction.
Banks on v3.0 must migrate to 4.0, while those on v1.0 or v2.0 should upgrade - v3.0 will serve as the interim minimum; starting from Oct. 1, 2025, v3.0 will be withdrawn for UPI Lite live banks, and v1.0 and v2.0 will be discontinued for all others.
These changes will be effective from Oct. 1, 2025.
Document dated Jun. 6, 2025, received from IND NPC Jun. 9, summarized on Jun. 10.
On Feb. 24, IND NPC issued requirements for banks, payment services.
IND NPC required issuer banks, PSP banks, and UPI apps live on UPI Lite to implement the following three measures, in order to enhance user convenience on UPI Lite.
Follows IND NPC Mar. 2022 introduced an on-device wallet for UPI lite, see #132344.
Document dated Feb. 21, 2025, received from IND NPC Feb. 24, summarized Feb. 27.
Requirements
All members shall implement transfer out functionality that allows users to withdraw funds from their UPI Lite balance to source bank account, without disabling UPI Lite.
All the issuer banks live on UPI Lite shall maintain lite reference number (LRN) level balances and ensure that reconciliation is carried out on daily basis with IND NPC data so that LRN balances are reconciled in sync with IND NPC data on an ongoing basis.
Apps with active UPI Lite shall have passcode/biometrics/pattern-based lock for login.
Effectiveness
All members shall implement the changes by Mar. 31, 2025.
Jun. 2025 Raw Data File v 4.0
On Jun. 6, 2025, IND NPC said new UPI Lite raw data file v4.0 will be introduced.
Currently, banks are using various versions of raw files; to bring uniformity, all banks are urged to adopt v4.0, which includes a column for UPI Lite balance per transaction.
Banks on v3.0 must migrate to 4.0, while those on v1.0 or v2.0 should upgrade - v3.0 will serve as the interim minimum; starting from Oct. 1, 2025, v3.0 will be withdrawn for UPI Lite live banks, and v1.0 and v2.0 will be discontinued for all others.
These changes will be effective from Oct. 1, 2025.
Document dated Jun. 6, 2025, received from IND NPC Jun. 9, summarized on Jun. 10.
