Top 10 Best UPI Apps in India 2021


Presented in 2016, Unified Payments Interface (UPI) assumes an essential part in empowering computerized installments in India. UPI applications have assisted Indians with making credit-only exchanges – a perspective that changed from simply an extravagance to a need during the Covid pandemic.

In case you want to begin utilizing UPI applications or are contemplating whether there are UPI applications that proposition better elements and experience, here are the top UPI applications you can use in India at present.

10. Mobikwik

Mobikwik is another choice you can consider on the off chance that you need a component-rich UPI application. One novel part of Mobikwik is to produce UPI-controlled individual installment joins for consistently getting cash from other UPI application clients.

Mobikwik additionally offers the adaptability of re-energizing and charging installments, covering Visa bills, and substantially more. Mobikwik's group has likewise stuffed a cost chief to assist you with following all your spending and get an exchange history without depending on a cost tracker application. 

Notwithstanding, the beneficial things about Mobikwik end there. The organization was purportedly a survivor of a gigantic information break that compromised the information of almost ten crore clients. That incorporates individual subtleties and KYC delicate duplicates (PAN, Aadhaar).

Most exceedingly terrible part? Mobikwik denied the cases and even proceeded to fault its clients for the break. On the off chance that that doesn't sound good to you, you're in good company. On the off chance that you at this point don't confide in Mobikwik and worth your security, discover the means to erase your Mobikwik account from our related article and change to one of the UPI applications referenced previously.

9. WhatsApp Pay

Finally, we have the dubious WhatsApp Pay. Following quite a while of legal obstacles, WhatsApp finally figured out how to dispatch its UPI installments administration in November of 2020. While the utilization of WhatsApp Pay was an unassuming 0.31 million in November, it developed dramatically to 0.81 million in December.

Nonetheless, the utilization further declined in January. Exactly when WhatsApp Pay began to grow, the organization wound up in a challenging situation over a security strategy update that drove clients to move towards protection amicable options like Signal and Telegram. 

It'll be intriguing to see WhatsApp Pay's use figures of January to know how much the protection strategy kickback has influenced the organization's yearning for UPI extension. While I will not suggest utilizing WhatsApp only for its UPI installments, you can consider looking at it if you do not want to change from the application.

8. Jio Pay

As the name recommends, Jio Pay is the installment arrangement of Reliance Jio. Accessible inside the MyJio application, Jio Pay offers UPI installments, charge installments, QR code checking, and a passbook to monitor your exchanges. If you're somebody who utilizes Reliance Jio's product contributions through the MyJio application, JioPay is something you ought not to pass up. 

  1. Bill Payments
  2. QR Code Scanning
  3. Limits from accomplice administrations

7. BHIM Axis Pay

Unlike famous misinterpretations, you can utilize Axis Bank's BHIM Axis Pay application regardless of whether you have a record in Axis Bank. Actually, like other UPI applications, you can download and introduce BHIM Axis Pay to make UPI installments.

You likewise get extra components like online re-energizes, DTH re-energizes, charge cards (for Axis bank clients) through this application. The experience of utilizing this application is by what you get with other conventional banking applications. 

  1. Custom UPI IDs
  2. QR Code Scanning
  3. Online re-energizes
  4. DTH re-energizes

6. Free charge

Freecharge was one of the main installment applications in India a couple of years back, yet its notoriety is on the decrease in the new past. Try not to misunderstand me; the application figured out how to deal with 1 million exchanges worth 59.9 crores in December 2020.

Nonetheless, Freecharge isn't entirely as well known as it used to be. You can utilize Freecharge for UPI exchanges, versatile DTH re-energizes, Google Play top-ups, and some. The application has slight neuromorphic configuration signals, particularly the base route bar, which hoists the general taste.

  • Clean and Visually satisfying UI
  • Custom UPI ID
  • Wallet
  • QR Code Scanning
  • Versatile, DTH, Broadband installments


If you're searching for a precise application from the producers of UPI, the BHIM application ought to be your pick. Dissimilar to the majority of the other UPI applications, you can set a custom UPI of your decision on the BHIM application as long as it isn't taken.

Aside from this, you have standard elements, including sending and getting cash, charging installments, and mentioning money. You can likewise find close by shops that help UPI standards from the BHIM application.

4. Amazon Pay

Even though Amazon doesn't have a committed Amazon Pay UPI application, you can utilize the UPI's usefulness inside the Amazon Shopping application. One vital benefit of Amazon Pay is the consistent reconciliation for shopping using Amazon Pay Balance – Amazon's advanced wallet.

Like other UPI applications on this rundown, you can utilize Amazon Pay to send and get installments. You additionally have portable re-energize, charges, voyages, protection, gift vouchers, and the sky is the limit from there. Amazon Pay is one of the most remunerating applications with adequate cashback and markdown offers. You can get to Amazon Pay from the Amazon application's sidebar.

3. Paytm

In case you're living in India, you've likely known about Paytm. Because of its market entrance methodologies, Paytm is generally acknowledged and perceived wherever in India.

Subsequently, you will not experience any difficulty making credit-only installments through Paytm in the country. Paytm's UI was outright bedlam previously; however ongoing updates have made it mediocre with immediate admittance to fundamental components.

2. PhonePe

PhonePe is one of the most mind-blowing UPI installment applications you can use in India. Indeed, PhonePe outperformed Google Pay as far as exchanges in December. As per NPCI, the application saw 902.03 million exchanges worth Rs. 1,82,126.88 crores. Aside from UPI installments, PhonePe assists you with re-energizing your telephone, taking care of Visa bills, web-based shopping, medical coverage, and significantly more. 

Like Google Pay, you get cashback for PhonePe exchanges. I don't care for PhonePe because the application is jumbled with pennant advertisements all over. What's more, the interface can get overpowering for new clients?

1. Google Pay

Google Pay got going as an India-first portable installments application 'Tez' and got rebranded in the long run. As per NPCI's most recent figures, the stage handled 854.49 million client exchanges worth $ 1,76,199.33 crores in December. You can utilize Google Pay for sending and getting cash from companions and family, portable re-energizing, charge installments, and that's just the beginning. 

Also, from the Business segment of Google Pay, you can use small applications for food conveyance, travel booking, cost installments, and shopping to give some examples. The application likewise offers cashback through scratch cards for exchanges. The impediment I discovered regarding Google Pay is that you can't quit in-application occasions or independently cripple advancement notices, which can get irritating now and again.

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