Best UPI App In India 2021 (Updated) – KarmaNullify

What Is UPI ?

UPI full form is Unified Payment Interface. Still confuse?

Well, UPI is basically an inter-bank transfer. UPI was launched by NPCI and is regulated by RBI since 2016. There are many advantages of UPI which most people are not aware of we will cover all these benefits in this article.

There are two types of UPI apps : Government UPI and Private UPI apps. Bhim UPI is government based UPI app which have daily limit of Rs.40,000 and transaction limit of Rs.20,000. Here one can make maximum 10 transactions per day for free. And there is no limit on number of merchant transactions.

There is only one government UPI apps but there are many Private UPI Apps available like Paytm, Phone pe, Google Tez, etc. These apps have daily limit of Rs.1 lakh and transaction of also Rs.1 lakh. Here one can make 10 transaction per day and there is also no limit on number of merchant transactions.

Best UPI App In India 2021 updated list:

Compare Features Of All these Apps:

ApplicationFreeMin. BalanceQR CodeOffline Payments
Google pay
Phone pe
Kotak 811
Axis Pay

1.Google pay

Google pay is the best UPI app in India as it is has all the features which we discuss in the above bracket. Google pay got all the best features like offline payments, Auto based QR code system and there is no requirement of minimum balance.

Through Google pay one can add multiple accounts. One can link multiple bank accounts in private UPI app but in case of BHIM UPI app one can only link one bank account. So if you want to link multiple accounts than go for private UPI apps like Google Tez.

In UPI, to transfer money one can also get unique QR code. This QR Code is most beneficial in physical store as there is no limit on merchant transactions.

Google play Store Rating: 4.1/5 with a total of 1,015,830 reviews.


PhonePe is one of the best UPI app in India with second highest rating in google play store. There is a feature of offline payments but it does not have auto based QR system.

Through PhonePe one can do Offline Transactions as well. In case, if your internet connection is not working or you internet data plan is expire then you can also do offline transactions through UPI. To do so, you just need to type *99# through your mobile phone.

Google play Store Rating: 4.4/5 with a total of 5,702,323 reviews.


Paytm is the highest rated UPI app in India.

Paytm UPI app have Various Modes Of Payment Options. You get unique UPI id through UPI app after linking your bank account details which simplifies and secure your transactions. UPI also offer various other modes like transact through IFSC code, Mobile number and even through Aadhaar card number.

Just like other UPI apps, through Paytm, one Can Link Overdraft Account.

In UPI, one can link their Overdraft accounts easily. Overdraft loans are the loans offer by bank to people with good CIBIL score.

Google play Store Rating: 4.4/5 with a total of 8,057,612 reviews.

4.Kotak 811

Just like other UPI apps, Kotak 811 have Secure Transactions.

As you don’t need to share much confidential information while doing transactions through UPI, they are very secure. One don’t need to share bank account details while doing transactions. One only need UPI Id or Mobile number to make successful transaction through UPI.

Google play Store Rating: 4.3 with a total of 708,358 reviews.


Just like other UPI apps, Mobikwik have Low Transaction Charges.

Online banking options like RTGS, IMPS, NEFT have more charges then UPI and provide less facility as well.

Although wallet to wallet transfer have no transaction charges but if you are transfering money into an bank account from e-wallet then there are transaction charges. That’s why UPI has an edge over E-wallets and Electronic transfer modes like RTGS, NEFT and IMPS.

Google play Store Rating: with a total of reviews.


Just like other UPI apps, BHIM UPI have No Loss Of Interest.

In UPI as there is no account to account transfer, there is no loss of interest . But in case of e-wallets like Paytm, Amazon pay, etc. you add money in mobile wallet you get no interest on that money.

Google play Store Rating: with a total of reviews.


Just like other UPI apps, Freecharge have Various Kinds Of Payment Options.

In UPI one can do all kinds of payments like

  • peer to peer transfer of money
  • pay automatic bills
  • can do merchant payments
  • online invoice payments.
  • can also put mandates to pay rent, EMI, etc.

Google play Store Rating: 4.0/5 with a total of 1,156,663 reviews.

8.Axis Pay

Just like other UPI apps, Axis pay have facility of Transfer Money 24/7.

In case of of other online banking options like IMPS, you need to add beneficiary. Even after adding beneficiary in case of NEFT , it can be possible it took more than one day to transfer money. but in UPI one can transfer money at a instant 24/7.

In digital wallet one can also do instant payments but UPI has an edge over it as their is account to account transfer.

Google play Store Rating: 4.1/5 with a total of 53,216 reviews.

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