3. BHIM App

The BHIM(Bharat Interface for Money) app, made by the big guys at NPCI (National Payments Corporation of India), is all about keeping your money safe. This government-backed app is super secure and lets you send and receive money easily. With support for over 20 languages, BHIM's a reliable option for pretty much everyone in India.

Launched in December 30, 2016, BHIM Upi app was introduced by Prime Minister Narenda Modi to facilitate e-payment directly from the bank, thereby encouraging cashless transaction and Digital India Mission by the Government of India.

Here are some of the unique features offered by the BHIM UPI app:

• Offline Access(Limited): Unlike other UPI apps in India, BHIM apps allows offline upi payments, thought they are limited.

• Simple Interface: The BHIM app showcases a user-friendly interface, making it easy for every one to navigate and make the upi payments.

• Universal Access: Any bank participating in the Unified Payments Interface(UPI) can be credited the amount sent from the BHIM app.

4. Paytm App

Paytm is a household name in India, and for good reason. They were one of the first UPI apps on the scene, and they offer a bunch of extra stuff besides money transfers. Think mobile recharges, bill payments, and even shopping online - all in one app! Paytm App is your one-stop shop for all your daily financial needs.

Paytm App holds one of the largest share of the UPI market and are widely accepted by customers. With its fast and secure payments, Paytm App has become one of the most popular and trusted UPI apps in India. Some the most unique features offered by Paytm are:

• Paytm Payment Bank: Introducing you to a fully digital bank account by Paytm App. The Paytm Payment Bank offers interest on deposits, free money transfers, and a free virtual debit card and the most alluring is that there is no requirement for any minimum balance.

• Paytm Business: Though Paytm for Business is a separate app that is dedicated to business, it is an unique concept introduced by Paytm.

• Paytm Money: Paytm is an all-in-one stop for equity investment and wealth management. From smart sip payments to NPS investments, Paytm Money focus on your secure and wealthy future.

• Integrated Eco-system: Paytm is not just a wallet app, it helps you with a diverse day-to-day money transaction, including bill payments, phone recharge, travel booking including train and flight booking.

5. CRED

CRED is a bit different from the other UPI apps. It's kind of exclusive, and you gotta have good credit to join. But if you do, you get cool rewards and cashback points on your transactions. CRED's interface is slick and they partner with fancy brands, so it's like the VIP section of UPI apps.

Thought the CRED upi app is a member-only application, it allow a fast and secure "scan & pay" unlike any other upi apps in India. Have a look at some of the most unique features offered by CRED app:

• Cred Store: Offering an exclusive members-only shopping experience with CRED Store. Home to over 800 brands and exquisite interface as well as to showcase your brand to the shoppers in CRED store.

• AI-powered credit management tools: CRED App uses the help of AI to effectively manage the credit of the users. The features offered by the Cred.ai are bill reminder, spend analysis and having track of hidden charges or suspicious transaction.

• CRED Credit-card bill payment: The CRED app allow it users to manage and pay credit card bill payments from multiple account.

6. Amazon Pay UPI

If you're already using Amazon, then Amazon Pay is a no-brainer. It lets you pay for your Amazon purchases and transfer money all in one app. Plus, Amazon Pay works with other stores, too, so that you can score discounts and cashback offers. Basically, it's like shopping and paying with your friends, but with way more benefits.

Amazon Upi is a secure way to make payments from any of your bank accounts using the Amazon app. Check out some of the unique features offered by Amazon Pay upi:

• Amazon Pay Wallet: You can choose to receive UPI payments directly into your Amazon Pay wallet for easy access and one-click payments in the future.

• Amazon Pay Rewards: Amazon Pay offers rewards for using UPI for payments and receiving money. This can be an incentive for users to choose Amazon Pay UPI over other upi apps in India.

• Amazon UPI ID: Amazon App is offering a unique UPI id, the Amazon UPI ID, for making transactions via Amazon Pay.

7. Axis Pay

Axis Pay is the official UPI app of Axis Bank. If you're already an Axis Bank customer, this is your go-to for UPI payments. You can link your bank account directly and use all the cool features Axis Bank offers. Think of it as your bank taking you under their wing in the world of UPI apps.

Yet another one of the best upi apps in India, Axis Bank Pay app offered by Axis Bank for it users to commence fast and secure payments and bank transactions. Here are some of the unique feature offered the Axis Pay app to its account-holder:

• Multi-bank account Support: Axis Pay allows you to link savings accounts from various banks, not just Axis Bank, to your UPI ID for transactions.

• Zero Transaction Fees: Unlike some money transfer methods, Axis Pay boasts zero charges for both sending and receiving money via UPI.

8. MobiKwik

MobiKwik is like the Swiss Army knife of UPI apps. It lets you transfer money, pay bills, recharge your phone, and even works with a bunch of stores. Plus, MobiKwik helps small businesses by letting them make and receive bulk payments. So basically, MobiKwik has your back whether you're an individual or a small business owner.

MobiKwik App is a digital wallet and financial service established by One Mobikwik Systems that offers various services such as -

• Pocket UPI: This feature allows you to conduct UPI transactions directly using your MobiKwik wallet balance without linking your bank account.

• Investment Options: Within the MobiKwik app, you can access investment options like peer-to-peer lending, mutual funds, and even digital gold alongside your UPI transactions.

• PF Balance Check: MobiKwik offers a safe and convenient way to check your Provident Fund (PF) balance and track employer contributions.

9. iMobile Pay

iMobile by ICICI Bank is like your regular bank app but with UPI built right in. Existing ICICI Bank customers can use their same login to access UPI payments within the familiar iMobile interface. This all-in-one app lets you manage your finances and make UPI transactions easily, wherever you are.

The iMobile Pay app is offering a ranging 250 add-on services, ensuring the account holders' convenience and comfort. Come, let's check out some of the major features offered by iMobile Pay app by ICICI Bank:

• Accessibility for Non-ICICI Bank Customers: Unlike other UPI apps offered by banks, iMobile Pay also allows the non-ICICI bank customer to have access of the bank by creating a long-in id.

• Pre-approved RuPay Credit Card: iMobile Pay allows users to get instant access to a pre-approved RuPay credit card.

• Fastag Payment: If you're an ICICI Bank customer, you can purchase a new FASTag through the iMobile Pay app.

10. Freecharge

Freecharge started out as a mobile recharge app, but now it's a full-fledged UPI player. You can transfer money, pay bills, and recharge your phone, all within the app. Plus, Freecharge sometimes throws out discounts and cashback offers, making it a sweet deal for those looking to save some cash.

It is yet another upi app very much familiar among the Indians. Freecharge app is a subsidiary of Axis Bank and it offer fast and secure UPI payment. The Freecharge is one of the most popular upi apps in India due to its diverse offerings and features:

• Security by Axis Bank: Freecharge app is back-up by the Axis Bank and it offers fast and secure upi payments.

• Rewards & Cashback: Like any other popular UPI apps in India, Freecharge app also offers the diverse rewards and cashback offers.

• Freecharge Pay Later: You can use Freecharge pay later and unveil the offers in diverse brands.

11. ICICI Bank Mobile App

ICICI Bank, like Axis Bank, has integrated UPI capability directly into its mobile banking app. This is a one-stop shop for managing your money. The ICICI Bank mobile app allows you to use UPI's simplicity to send and receive money directly from your bank account via a simple virtual payment address. This eliminates the need to communicate bank account information, making it a secure method of managing everyday transactions.

Features:

• Seamless Money Transfer: You can easily send and receive money directly from your associated bank account. The UPI technology eliminates the need to communicate account information or IFSC codes, making transactions faster and more convenient.

• Bill Payments & Merchant Transactions: The software allows you to pay bills to merchants directly using UPI. This might include utility bills, mobile recharges, or payments at UPI-accepting shops.

• Transaction Management: Manage your UPI transactions from the app. You can keep track of your spending history, check previous transactions, and monitor your account activity. This allows you to stay organized and track your finances.

12. HDFC Bank Mobile App

Utilize the convenience of your existing HDFC Bank mobile app to harness the potential of UPI! HDFC Bank seamlessly integrates UPI capabilities, allowing you to easily transfer money and pay bills directly from your smartphone. This eliminates the need to manage several apps and logins, optimizing your money management experience. Simply open your HDFC Bank mobile app, use the UPI capabilities, and complete your daily financial duties with ease.

Features:

• Virtual Payment Address (VPA): Users can create and manage Virtual Payment Addresses (VPAs) within the app to facilitate identification and transfers.

• Security Features: Implements strong security mechanisms for each transaction, such as UPI PIN authentication, to ensure safe and secure money transfers.

13. PayZapp

PayZapp is more than just a digital wallet; it's a complete financial management solution. PayZapp allows you to send and receive money directly with friends and family, as well as recharge your phone or top up your DTH account. PayZapp also handles your everyday bills, allowing you to streamline payments for electricity, gas, and even mutual funds. PayZapp effortlessly interacts with online shopping systems, allowing you to check out with ease. PayZapp simplifies your financial life by offering a variety of options and ensuring secure transactions.

Features:

• Link Multiple Bank Accounts: Users can link numerous bank accounts to PayZapp and select their preferred account for UPI transactions, providing both flexibility and convenience.

• Online Shopping: PayZapp allows you to securely make online payments to numerous businesses and e-commerce websites utilizing UPI.

• Security Features: PayZapp incorporates robust security measures to protect UPI transactions, including OTP verification and encryption.

**Note: The ranking is not approximate, done just for the purpose of listing.

So, folks! These are the best UPI apps in India. According to the latest surveys, more than 50% of digital transactions are commenced via UPI apps, making Unified Payments Interface(UPI) one of the most sought-after payment methods in India.

With a single tap in these upi apps list, you be part of cashless revolution happening as part of the Digital India mission.