Yes, UPI is available for Non-Resident Indian (NRI) accounts (NRE/NRO), allowing them to link their international mobile numbers from supported countries (like USA, UK, UAE, Canada, Australia, etc.) to UPI apps for transactions in India, enabling seamless digital payments without needing an Indian SIM card. This feature is supported by major banks and payment apps like Paytm, Google Pay, PhonePe, ICICI, HDFC, and IDFC First Bank, extending India's payment system for financial convenience.
Non-resident Indians (NRIs) can use the UPI app for transactions in India using their registered overseas mobile number. This facility is available for NRIs from specific approved geographies, including Australia, Canada, Hong Kong, Oman, Qatar, Saudi Arabia, Singapore, UAE, the UK, USA, France and the Malaysia.
Yes, UPI can be used in the US to send money to India. While UPI is primarily an Indian payment system, Western Union allows US users to transfer funds directly to a recipient's UPI-linked bank account. To learn more, check out how to send money to India.
Mony is a specialized UPI app available for tourists and NRIs, allowing instant scan-and-pay transactions at millions of merchant locations across India. It offers a secure payment experience without needing multiple cards.
Unfortunately, you generally cannot use your international Google Wallet to make UPI payments through GPay in India. GPay requires an Indian bank account and phone number, which most travelers and NRIs don't have.
Yes, you can use Google Pay from the USA to send money to India by integrating with services like Wise or Western Union within the US Google Pay app, but you need an Indian recipient with a UPI ID or bank account and an Indian phone number to receive it. The US Google Pay app was discontinued in June 2024, so you'll use the Google Wallet app (which is the new name for GPay in the US) to initiate international transfers powered by partners like Wise to send money to India.
Paytm, India's pioneer in mobile payments, now enables Non-Resident Indians (NRIs) to use their international mobile numbers to log in and make seamless UPI payments through NRE or NRO bank accounts, expanding access to India's digital payments ecosystem.
Yes, NRIs can use their international mobile numbers for BHIM UPI app registration. This service is available for INR transactions in India for NRIs from approved geographies, including Australia, Canada, Hong Kong, Oman, Qatar, Saudi Arabia, Singapore, UAE, UK, and USA.
You can add resident Indians and NRIs as nominees to your Zerodha account. For NRI nominees, you must provide an Indian address and mobile number. Required details (based on CDSL requirements): Your nominee's identification: PAN, Aadhaar, passport, or driving licence number.
3: BHIM UPI has the added advantage of being backed by the government, so it is regarded as safer and secure compared to Google Pay. Though Google Pay has enhanced security features like biometric authentication as well as PIN or pattern, extensive data syncing makes it less secure.
There isn't necessarily an upper limit, but your bank or money transfer provider may impose their own restrictions. You'll also need to consider financial regulations in both the US and India. If you send more than 10,000 USD, you'll need to report your payment to the IRS.
This was highlighted in the PIB release: Foreign nationals and NRIs visiting India can make payments using UPI. Additionally, NPCI introduced UPI ONE WORLD, a solution for inbound travellers that enables them to pay Indian merchants using a prepaid wallet funded by their international debit/credit cards.
New rules for NRIs in India focus on stricter tax residency criteria from April 2026, increasing the stay threshold to 120 days for high-income NRIs (over ₹15 lakh Indian income) to become Resident but Not Ordinarily Resident (RNOR) and introducing "deemed residency" for high-income Indians in tax havens; also, higher TCS thresholds for LRS remittances (to ₹10L) and removal of TCS for education loans are recent changes from Budget 2025-26, alongside increased reporting of foreign assets.
Choosing the right payment app depends on your business and customers. PhonePe is best for rewards and regional language support. Google Pay is ideal for making fast and secure transactions with urban customers. Paytm provides a wallet, POS devices, financing, and loyalty tools.
UPI set up process for NRIs
The most popular ones are BHIM UPI, Google Pay, and PhonePe. Select one app, and download and install it on your phone.
Understanding daily limits for sending money via UPI as an NRI. There are limits on how much money you can send via UPI in a day. Generally, for most banks, the limit is ₹1,00,000 (one lakh rupees) per transaction and per day. However, this can vary between banks and for different types of transactions.
Frequently Asked Questions. The UPI transaction limit is ₹1 lakh per day as per NPCI. For capital markets, insurance, collections, and foreign inward remittances, the limit is ₹2 lakh. Tax payments, educational institutions, hospitals, IPOs, and RBI retail direct schemes, the limit is ₹5 lakh.
Currently, there is no provision for NRI's to complete their KYC online. Following documents in this regard needs to be submitted along with the application form: PAN copy - self & externally attested. Passport copy - self & externally attested.
An SIP in India provides an easy and disciplined way for Non- By investing monthly or quarterly, NRIs can steadily grow their wealth through compounding returns and rupee appreciation. Today, SIPs are a great option for NRIs looking to invest in the Indian market and build wealth over time.