Last week, Neha mentioned something she had almost forgotten about. Her loan EMI went through on time again, without any reminders or follow-ups. The payment happened quietly in the background, exactly as it does every month.
Around the same time, her friend Rohit faced a very different moment. He missed an insurance payment and realised it only after a penalty appeared. The payment slipped his mind completely, even though he uses online banking every day.
Rohit received his first salary credit and felt proud. A few months later, a colleague casually asked him, “Have you filed your ITR yet?” That single question created instant confusion. He had tax deducted from his salary, so what else was left to do?
You probably use digital payments so often now that it feels almost automatic. A UPI address is one of the reasons that experience feels so smooth. It works as your personal digital payment identity and lets you send or receive money in seconds.
When you look at IMPS vs NEFT vs RTGS vs UPI, UPI stands out because it runs around the clock and fits easily into everyday life. The system now handles over 20 billion transactions every month, showing how deeply people trust it.
Most of us pay utility bills every month for things like electricity, water, gas, and internet. They usually get paid on time and then forgotten, even though they take up a noticeable part of monthly expenses.
Ever found yourself stuck while doing a UPI payment due to a low account balance?
Well, not anymore. Here is the good news! The National Payments Corporation of India (NPCI) has recently come up with a super handy feature called UPI Now Pay Later or Pre-approved Credit Lines through UPI.
The way we make payments has changed dramatically over the past few years. Initially, we used cash, and this was not an easy experience for anyone who hated doing mental math.
Then came the switch to plastic money, i.e, your debit and credit cards. A significant upgrade, but still involved the faff of pulling the right card out of a slot, which barely had space for your fingers to fit into
The Unified Payments Interface (UPI) has transformed the way India transacts, making digital payments faster, simpler, and more accessible than ever.
We share expenses all the time, from brunches and weekend trips to cab rides, OTT subscriptions, and even quick grocery runs. But the minute the bill arrives, confusion begins. Who owes what? Who paid last time? Who still hasn’t settled?
Planning major expenses often requires substantial funding. Maybe you're expanding your business, funding education abroad, or managing unexpected medical costs. When amounts cross ₹20-30 lakhs, regular personal loans might fall short.