Top UPI Apps in India: Complete List, Features & Benefits (2025 Guide)

List of Unified Payments Interface (UPI) Applications in India (2025 Guide)

Unified Payments Interface (UPI) has changed the way India sends and receives money. Developed by the National Payments Corporation of India (NPCI) in 2016, UPI enables instant, secure, and real-time transactions between banks. Whether it’s peer-to-peer transfers or payments to merchants, UPI has become the backbone of digital payments in India.

Over the years, multiple banks, fintech companies, and private organizations have launched apps that support UPI. Below is a clean and easy-to-read list of the most popular UPI applications, their developers, supported banks, and unique features.

1. Amazon Pay UPI

• Developer: Amazon
• Bank Partner: RBL Bank
• UPI Handle: @rapl
• Supports: All UPI-enabled banks
• Platforms: Android / iPhone
• Launch Year: January 2019
• Highlights: Smooth integration with Amazon Shopping and fast cashback offers.

2. Axis Bank UPI

• Bank Partner: Axis Bank
• UPI Handle: @apl
• Supports: All major UPI banks
• Platforms: Android / iPhone
• Highlights: Secure banking-backed UPI service.

3. Yes Bank UPI App

• Bank Partner: Yes Bank
• UPI Handle: @yapl
• Supports: Most UPI banks
• Platforms: Android / iPhone

4. BHIM (Bharat Interface for Money)

• Developer: NPCI
• Supports: All UPI banks
• Platforms: Android / iPhone
• Highlights: India’s official UPI app known for simplicity and reliability.

5. Cred UPI

• Developer: Cred
• Supports: All UPI banks
• Platforms: Android / iPhone
• Highlights: Rewards-based platform; useful for credit card bill payments.

6. CSB Pay

• Developer: CSB Bank
• UPI Handle: @csbpay
• Platforms: Android / iPhone

7. FedMobile (Federal Bank)

• Developer: Federal Bank
• UPI Handle: @federal
• Supports: Only HSBC bank accounts for UPI setup
• Platforms: Android / iPhone
• Highlights: App suggests features for easy money management.

8. FiMoney UPI

• Bank Partner: Federal Bank
• UPI Handle: @fifederal
• Platforms: Android / iPhone
• Highlights: Modern, finance-focused app for savings and tracking spends.

9. Google Pay (GPay)

• Developer: Google
• Supports: All UPI banks
• Platforms: Android / iPhone
• Highlights: Easy onboarding for first-time users; widely accepted.

10. Groww UPI

• Bank Partner: Yes Bank
• UPI Handle: @yesg
• Supports: All UPI banks
• Platforms: Android / iPhone
• Launch Year: October 2022
• Highlights: Integrated with investment and stock apps.

11. PhonePe

• Bank Partner: Yes Bank
• UPI Handle: @ybl
• Supports: All UPI banks
• Platforms: Android / iPhone
• Highlights: Insurance, investment options, and credit card payments.

12. Paytm UPI

• Developer: One97 Communications
• Supports: All UPI banks
• Platforms: Android / iPhone
• Highlights: Widely used for QR payments and wallet integration.

13. Simply Pay (HSBC)

• Developer: HSBC
• Bank Partner: HSBC & ICICI/HDFC for UPI
• UPI Handle: @hsbc
• Platforms: Android / iPhone
• Highlights: Banking-grade security with UPI convenience.

Final Thoughts

UPI has become one of the easiest and fastest ways to perform digital transactions in India. With dozens of apps built on NPCI’s UPI infrastructure, users now have the freedom to choose the app that best fits their lifestyle—whether they prefer cashback rewards, banking-grade security, or simple and clean interfaces.

As UPI continues to evolve, more features and applications will join the ecosystem, making digital payments even more seamless.