Junio ​​Payments Pvt Ltd, started in 2020, has been launched by Ankit Gera and Shankar Nath. Junio ​​app is for children and youth. This app teaches them to spend responsibly and develop the habit of saving. In this, parents can transfer money and set spending limits and can see every transaction. The app also features task rewards and savings goals, and the RuPay branded card allows for both online and offline transactions.

UPI Without Internet: UPI (Unified Payments Interface) has made money transactions very easy in India. Today, most people prefer to make payments through mobile phones instead of carrying cash. But sometimes UPI transaction fails due to network problem or bank server down. In such a situation, the question arises, can money be sent through UPI even without internet? The answer is yes! Now you can make offline payment with the help of USSD service even without internet.

Do this before starting offline UPI payment

To make offline payment, your mobile number must be linked to the bank account. After this set UPI PIN from your bank’s app or website. Once this process is completed, you can easily do offline transactions.

How to transfer money without internet

• Type 99# in the *dialer of your mobile and press the call button.
• A menu will open on the screen in which options like Send Money, Check Balance, Request Money will be visible.
• Now select the bank account from which you want to make payment.
• After this enter the recipient’s mobile number, UPI ID or bank account number and IFSC code.
• Type the amount you want to send and finally enter your UPI PIN.

Your payment will be successful within a few seconds, that too without internet connection.

Limits and Charges

Through this service you can do a maximum transaction of up to ₹ 5,000. A nominal fee of ₹0.50 is charged on every transaction. This facility is available 24×7, works even on holidays and is supported on all mobile networks and handsets.

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In today’s digital era, we do everything from our mobile, whether we have to pay money to the vegetable vendor, share bills with friends or do online shopping. Now there is no need to carry cash, because UPI has made payments easy, fast and safe. But as easily as we are transferring money, the cases of UPI fraud are also increasing.

Many times people hastily click on such links or scan QR codes, due to which their bank account becomes empty. Cyber ​​fraudsters have become so clever that they pretend to be bank officials, app support team or government agents and get OTP or UPI PIN from people. In view of this danger, RBI has recently issued new guidelines, so that users can stay safe from such frauds. If you also use UPI daily, then you must know these smart tips. By adopting these you can remain 100% safe.

1. Stay away from unknown links or QR codes – Most of the frauds are happening through phishing links and fake QR codes. Scammers send you a link in the name of a refund, reward or cashback. As soon as you click on it or scan the QR code, your bank information reaches them. RBI has clearly said that if you want to get money, then you do not need to scan or click anything. No real company or bank will ask you to scan QR to send money.

2. Never tell your UPI PIN or OTP to anyone – This is the most common and dangerous mistake. Producers call and say that they are calling from bank or Paytm, PhonePe and want to verify your account, just tell OTP or PIN. In such a situation, keep in mind that UPI PIN is only for sending money, not for receiving money, no bank, app or company ever asks for OTP, PIN or password. If someone asks you to enter the PIN so that the money comes, then understand that the person in front is committing fraud.

3. Use only official UPI app – Nowadays, fake UPI apps are also available on Play Store and websites, which look like real ones. Such apps can steal your login details and bank data. Therefore, before downloading the app, check the name of the developer and install the app only from Google Play Store or Apple App Store. While installing, read the permissions that the app is asking for carefully. If any app is offering Instant Cashback or Double Money Offer, then it is almost certain that it is a fraud.

4. Before sending money, check the name of the receiver twice – Many times fraudsters use a name that sounds like a friend or brand. As soon as you send money to the wrong ID, they disappear immediately. Therefore, every time before doing a transaction, double check the name of the receiver and UPI ID. If the name on GPay, Paytm or PhonePe looks strange or is not recognized, cancel the transaction immediately.

5. Report fraud immediately – If you accidentally get a UPI fraud, instead of panicking, take immediate action. According to the new guidelines of RBI, the bank will now have to take reports of such cases within 24 hours. You call the customer care of your bank. Contact immediately on National Cyber ​​Helpline number 1930. Apart from this, register online complaint by visiting https://cybercrime.gov.in/.

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UPI Payment: Unified Payment Interface (UPI) in India has made another record in its name. From city to village, the use of UPI has increased to such an extent that UPI, operated by the National Payments Corporation of India (NCPI), has achieved the highest monthly and daily transaction record till date.

In fact, a record 20.70 billion transactions were done in the month of October, which is much more than 19.63 billion in September and 20.01 billion in August. This shows how fast people are adopting it in their everyday life.

Payments are being made through UPI at a rapid pace

According to NPCI data, total transactions of Rs 27.28 lakh crore were made through UPI in October, while transactions of Rs 24.90 lakh crore were made in September and Rs 24.85 lakh crore in August. Compared to the last one year, the volume of UPI transactions has increased by 25 percent, while the total value has also increased by 16 percent.

On October 18, a record-breaking 754.37 million transactions were recorded through UPI, which is the largest transaction done in a single day since the launch of UPI. The average daily transaction in October stood at 668 million, while the average daily transaction value increased to 87,993 crore from 82,991 crore in September.

Why did this increase happen?

Experts say that this surge has come due to the festive season. Apart from this, now UPI is being adopted rapidly in rural areas also, the scope of digital infrastructure has increased. Now more and more businessmen have started adopting payment through QR code. Along with this, India is gradually moving towards cashless economy.

Use of IMPS and FASTag also increased

In the month of October, IMPS transactions increased by 3 percent to 40.4 crores. Total value increased by 8 percent to Rs 6.42 trillion. FASTag volume also increased by 8 percent to 36.1 crores. Its total value also increased by 4 percent to Rs 6,686 crore, which shows its increasing use on the highways during the festive season.

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The central government has taken a big step to bring digital transparency in schools. A letter has been issued by the Central Government to the schools of all the states and union territories. In this, the Education Ministry has requested all the education institutions like NCERT, CBSE, KVS and NVS to adopt digital payment mode, especially UPI, for paying fees. The Education Ministry says that in this way, not only will the long queues for paying fees in schools end, but this step will also keep the school administration updated in terms of technology.

Why is UPI necessary in schools?

Fees in schools are always paid by cash. In such a situation, parents have to set aside time to come to school to pay the fees. Also, at the time of new admissions and examinations, there is a lot of crowd at the fee counters, due to which parents and children have to wait in long lines to pay the fees. Moreover, sometimes this problem increases even more if fee receipt is not received or cash is not available. In such a situation, in online mode, parents can deposit the fees sitting at home with one click without any delay and its record also remains safe forever. Also, through this, cashless payment will be done easily.

How will UPI bring change?

This system also promotes the idea of ​​Digital India. With this initiative, not only will school administration become better but parents will also become more and more digitally literate. To create a developed India by 2047, it is very important to bring changes in the field of education. Be it teaching children through smart classes or using UPI to pay school fees.

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Digital Payments: UPI has brought a major revolution in digital transactions in India. With this, it has become much easier to transfer money instantly from bank to bank using just a mobile number or UPI ID. But meanwhile the question arises that how does the United States, which is far ahead in technology, do digital money transfer? Let us know the method of transferring money in America.

How did digital payments start?

As more people across the world are adopting mobile-based payments, cash is slowly disappearing. UPI in India has made the process of transactions much easier, from paying for groceries to transferring money to family and friends. Even internationally, countries like Qatar are using UPI for instant payments. But apart from all this, America has adopted many types of digital payment systems. But none of them provide government support and other facilities like UPI.

wallet based transfer

In the US and many European countries, digital payments are often made through wallet services like Apple Pay, Google Pay and Samsung Pay. All these platforms transfer money instantly but they work as wallet to wallet payments. Unlike UPI, all these systems do not transfer money directly between bank accounts in real time.

The closest alternative to UPI

However, wallet services are prevalent and there are some bank-to-bank transfer systems in the US that are similar to UPI. Zelle, a payment platform created by US banks, allows sending money directly from one bank account to another. Similarly, apps like Cash App and Venmo also provide the facility of bank to bank transfer.

Technology is not like India

Despite being much ahead in technology, there is not a single standardized system in the American market. There is no facility like UPI that can integrate all the banks for instant payment. This means that users here have to choose from multiple services based on convenience, bank or transaction limit, whereas in India, UPI works seamlessly across almost all banks and apps. The situation is exactly the same in Europe also. Although there are mobile wallet and instant payment apps, they do not provide bank to bank transfer system.

UPI Payment Security: UPI (Unified Payment Interface) is now going to change the methods of online payment. In today’s superfast life, transactions up to thousands of rupees with just one click occur in seconds. Due to this, everyday life has become cashless and much easier. Now, whether to distribute the bill in the restaurant or to borrow money from a friend, UPI has become an important means for digital transactions. But now a big change is going to come, which will affect millions of users. Let’s know what is this change.

New change in UPI transaction

The National Payments Corporation of India has announced that now Person to Person ‘Collect Request’ or ‘Bridge Transaction’ feature will be closed from 1 October 2025 i.e. from today. Apps like Phone Pay, Google Pay and Paytm will no longer allow users to send payment requests directly to friends, relatives or their experts.

What is UPI ‘Collect request’ feature

Actually, with the help of this feature, one person could send a payment request to another user by entering UPI ID. For example, if you want to take money from your friend, then you could send them a request from your UPI app. After this, your friend would accept that request and put his pean, the money would be transferred to your account. This feature was very convenient, but at the same time it was becoming dangerous over time. Let’s know how.

Why was this feature dangerous

Actually, even though this facility was made for ease, with the help of this, the fraudsters were benefiting a lot. Scammers used to send fake requests to unknown users and implicate them to pay. Although earlier, the National Payments Corporation of India had reduced the request limit to ₹ 2000 to prevent misuse, but even then the fraud continued. Now after this, this feature is being closed forever to stop this fraud.

Traders will still have access

The important thing is that this feature will not be completely eliminated. Marchants like IRCTC, Flipkart, Amazon or Netflix will be able to send payment requests to customers for ticket booking, shopping or subscription. This feature is being banned only for Person to Person Transaction.

How to affect users

After the closure of this feature, from 1 October 2025, you cannot ask for money from friends or relatives using UPI Collect request. To transfer the money, you have to use the mobile number directly from the QR code, the receiver’s UPI ID, or the mobile number linked to UPI.

This feature is being closed for the purpose of increasing the security of digital payment. With this, now after this step, users will get relief from the scam. Users are advised to always check the payment request thoroughly before transferring money and must find out where the money is going.

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Upi cash withdrawal: To withdraw cash from the smartphone, it is even easier, for this, the National Payments Corporation of India is going to make big preparations. According to an Economic Times report, people in India will soon be able to withdraw cash through Unified Payment Interface (UPI) at more than 2 million business correspondents (BC) outlets. In order to provide more and more people the benefit of this facility, NPCI has allegedly contacted the Reserve Bank of India (RBI) for approval.

Currently, the face of UPI-based cash withdrawal is available only in a few selected ATMs or some shops. There is also a limit on this. A limit of Rs 1,000 has been kept on every transaction in towns and cities and up to Rs 2,000 in villages. It has been said in the report that under the proposed scheme, you will be able to withdraw cash of up to Rs 10,000 on every transaction at BC outlets.

What is business correspondent outlets?

Business correspondents are local agents, which provide banking services in far-flung areas where there are no ATM facilities. In such underprivileged areas, these people work in a kind of extension of bank branches. Business correspondent can be a shopkeeper, NGOS or any person. Earlier, people used business correspondents to withdraw cash through Aadhaar-based authentication and debit cards.

Now if the UPI-based QR code is implemented, then the customers will be able to scan the code by using any UPI app on their phone. Under this, millions of small service points or shopkeepers will be given QR codes. For this, NPCI has sought permission from the Reserve Bank that cash withdrawal facility through UPI should also be given to business correspondents.

They will benefit

This new system can also benefit from customers who have difficulty in fingerprint authentication or who are reluctant to use debit cards. Currently, customers withdraw money by putting cards in existing micro ATM machines near BCS. Now work is going on to make the system easier. Under this, you will be able to withdraw money by scanning the QR code by visiting BC outlet. Let us know that NPCI launched UPI in the year 2016.

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Upi new rules: There is big news for digital payments. From September 15, the National Payments Corporation of India (NPCI) has increased the limit of Person-to-Cracha (P2M) transaction to Rs 10 lakh. With this, it has become even easier to make big transactions through UPI. This decision has been taken to help people associated with the sectors, especially those who had to face trouble due to the low limit.

What has changed under the new rule?

The payment of investment and insurance premium payment in the capital market has also been increased from Rs 2 lakh to Rs 5 lakh. However, no more than Rs 10 lakh will be paid in a day. That is, under the new rules, the limit of per transaction in categories like Capital Market, Insurance Premium, Credit Card Bill Payment, Travel and Government E-Marketplace (GEM) has been increased from Rs 2 lakh to Rs 5 lakh to Rs 5 lakh. Of these, you will be able to do transactions up to 10 lakh rupees in a day.

Jewelery and Banking Service

Similarly, the limit of jewelery purchase through UPI has been increased to Rs 2 lakh per transaction (first Rs 1 lakh). In this category, you will not be able to do transactions of more than Rs 6 lakh a day. For banking services like fixed deposit through digital onboarding, Rs 5 lakh per transaction has also been done per day. However, the limit of P2P payment will be only Rs 1 lakh per day. Increasing the limit of UPI transaction shows the NPCI’s commitment, under which it wants to improve the experience of users by making large transactions easier. With this step, the process of payment in many different sectors will be comfortable, which will benefit both consumers and businessmen.

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Cashless transactions have increased since demonetisation. Now most people transact directly from UPI itself. Whether to pay college fees or pay bills after eating food, UPI is being used everywhere. All from students to professionals are doing transactions through UPI. Because of this, cyber criminals also keep an eye on UPI. They wait for the smallest mistakes of the people. As soon as there is a mistake, they immediately vacate the account of the people. Therefore, it is important to take care of many things while using UPI.

Do not tell unknown person UPI PIN

Never tell your UPI PIN to any unknown person in phone calls or elsewhere. As soon as you do this, you give them direct access to your bank account. Also keep in mind that no bank officer will ever ask you the PIN number of UPI for any work. If someone is asking for PIN number by calling himself a bank or government official, then it should be careful.

Pay attention to pay request

Pay request option is available in UPI. Usually, after choosing UPI mode on e-commerce platforms, these companies send requests. After doing these, payment is made. If you get a request from an unknown person or site, then reject it.

Take care while scanning QR

Every QR code would not have been engaged to take payment. Many times fraudster fake QR code and implicate people in their web. Therefore, take care while scanning the QR code in public places. If you are having a little doubt anywhere, then pay other ways instead of QR code there.

Use official apps

Always use official apps for transactions or other works. Never download any app from the link from an unknown person in some greed. The app downloaded from such links can steal your important information and password.

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