Free

Details

  • Released
  • Updated
  • December 9, 2021
  • June 25, 2026
Utkarsh UPI screenshot #1 for iPhone
Utkarsh UPI screenshot #2 for iPhone
Utkarsh UPI screenshot #3 for iPhone
Utkarsh UPI screenshot #4 for iPhone
Utkarsh UPI screenshot #5 for iPhone
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About

Facilitate instant and secure financial transactions using various methods like QR codes, Virtual Payment Addresses (VPAs), and Account + IFSC. Supports UPI Lite for faster, smaller transactions and Tap & Pay for contactless payments.

โœ“Instant secure payments
โœ“QR code payments
โœ“VPA payments
โœ“Account + IFSC payments
โœ“UPI Lite support
โœ“Tap & Pay functionality
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What's New in Utkarsh UPI

11.2

June 25, 2026

Now you can use your phone number to receive payments through any UPI app

User reviews

Worst Bank

My bank account was frozen twice in 6 months. I got my KYC done 6 months ago. After 6 months it was frozen again for KYC. I have made three rounds till now. The bank people are not having any effect. I am not able to make any payment for the last 20 days. Address verification has also been done. After that they are saying to submit the latest Aadhar card. Every time they are giving some new requirement. My most earnest request is that please do not get an account opened in Utkarsh Small Finance Bank..Sector 15 branch Gurgaon.
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Best UPI App

This is a good neat and clean App for UPI and UPI lite payments are super fast. Highly recommended

Third grade app

Itโ€™s worst to worst, fully time wast, in digital era if you use any utkarsh bank app - fully foolishness. Every second day we receive message for stop working for updating system

Registration not taking place

This is new bank. Their software not up to date. They are on trial. And now I fear for the safety of my money

App crashes in iPhone

In new registration process the app crashes and closes unable to use app in iPhone.
Kindly review and update the app

Developer apps

FAQ

What payment methods does Utkarsh UPI support?

Utkarsh UPI supports a variety of payment methods including QR codes, Virtual Payment Addresses (VPAs), Account + IFSC, UPI Lite, Lite Autoplay, Lite Transfer Out, and Tap & Pay for instant and secure transactions.

Is Utkarsh UPI secure for financial transactions?

Yes, Utkarsh UPI is designed to make instant and secure payments. It utilizes established UPI protocols to ensure the safety of your financial transactions.

What is UPI Lite and how does Utkarsh UPI use it?

UPI Lite is a feature that allows for faster, smaller value transactions directly on the device. Utkarsh UPI supports UPI Lite, Lite Autoplay, and Lite Transfer Out for convenient micro-payments.

What devices is Utkarsh UPI available on?

Currently, Utkarsh UPI is supported on iPhones. Users can download and use the application on their iOS devices.

How often is Utkarsh UPI updated?

The latest version of Utkarsh UPI is 11.1, and it was last updated on November 2, 2025. This indicates regular updates to improve functionality and security.

What is the age rating for Utkarsh UPI?

Utkarsh UPI has an age rating of 4+, making it suitable for a wide range of users to manage their digital payments.

Does Utkarsh UPI have ads?

No, Utkarsh UPI does not contain advertisements. As a free application from Utkarsh Small Finance Bank Ltd, it focuses on providing a seamless payment experience without interruptions.

What are the benefits of using Utkarsh UPI for payments?

Utkarsh UPI offers the convenience of instant and secure payments through multiple methods. Features like UPI Lite and Tap & Pay enhance the speed and ease of everyday transactions.