Hack of the day: Pay small UPI amounts without entering PIN

Digital payments have become second nature in India, but even the smallest transactions — whether for tea, snacks, parking, photocopies, or local shopping — often require entering your UPI PIN. Over time, this can feel repetitive, slow down the checkout process, and clutter your bank statements with dozens of tiny entries. The good news is that the National Payments Corporation of India (NPCI) has introduced UPI Lite, a feature designed to make low-value payments faster, smoother, and more convenient. By using UPI Lite, you can pay instantly without typing your PIN each time, making everyday purchases effortless while keeping your main account secure.UPI Lite is perfect for routine micro-payments. It eliminates the friction of PIN entry, speeds up transactions, and reduces clutter in your bank statement by grouping small payments. This makes it ideal for quick purchases where convenience matters most.To enable UPI Lite, open a supported UPI app such as Paytm, PhonePe, or Google Pay. In the payment settings or profile section, locate UPI Lite, link your eligible bank account, and add a small balance. Once activated, you can use UPI Lite for small-value transactions without entering your PIN.1. Open a UPI app that supports UPI Lite.2. Navigate to payment settings or your profile.3. Link your eligible bank account.4. Add a small balance to UPI Lite.5. Use it for everyday payments where supported.UPI Lite is meant for convenience, not for storing large sums. Keep only a sensible small balance — enough for your daily tea, snacks, or local shopping. Think of it as a digital pocket wallet inside your UPI app.