7 Best UPI Apps in India in 2023

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Best 7 UPI Apps in India in 2023

List of 7 Best UPI Apps in India in 2023

Which is the best app for UPI?

With the return of PM Modi 2nd time in 2019, digital India has continued to make new progress with new ideas. UPI payments have performed an enormous role in this movement. Moreover, the nationwide lockdown because of COVID-19 in 2020, led to a massive increase in the number of people choosing online financial payments. In this time period, the value of UPI transactions soared by 105 % in 2020. In this article, we are going to talk about one of the best UPI Apps in India for simple and quick transactions. But, before we start, let’s first understand what exactly the UPI is?

UPI means (UPI Apps meaning) Unified Payments Interface (UPI Full Form). UPI payments have taken a considerable march ahead and these days, the mobile app store is flooded with new and modern UPI apps in India. Briefing about UPI, it’s a prompt real-time payment system developed by NPCI which stands for National Payments Corporation of India which helps in inter-bank transactions by immediately transferring funds between two bank accounts on a mobile or internet platform. Because of this development in UPI payments, money can now be sent to anybody throughout the nation within no time.

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Anyways, For making UPI payments not all apps listed on the play store are equally good. Many times, the interface of a few of these UPI apps in India could also be hard to know initially. Therefore, in this post, we’ve handpicked the perfect UPI apps in India which might be best to make use of and definitely value checking out.

How many UPI apps available in India?

There are lots of apps available for UPI in India. We have discussed detailed information about all major UPI apps which strongly getting used in India and all about their types and advantages in this article.

7 Best UPI Apps in India

1) PhonePe – UPI Payments, Recharges & Money Transfer

Upi Apps

PhonePe stands first in our checklist of the best UPI apps in India. It is a revolutionary app that made the Indian inhabitants begin trusting and furthermore making on-line mobile payments. PhonePe not solely helps in making UPI payments but customers can also recharge, make on-line bill payments, order meals, shop, and so on. all in only one app.

PhonePe additionally offers numerous offers, rewards, and cash back to its customers. Having one of the easiest interfaces with the most secure and quickest on-line payment experience in India, PhonePe is certainly better than a lot of the other UPI payment apps or internet banking providers.

Phonepe app after 2020 :

  • Wins the best mobile payment product/service category and the technology category at IAMAI India digital awards
  • The PhonePe ATM goes live across 10 lakh stores in 300 cities
  • Launches Liquid funds, Super funds, and 7 more curated MF category products.
  • Launches Travel Insurance, Coronavirus Insurance, Motor Insurance & more Insurance offerings
  • Becomes India’s fastest growing insure-tech distributor with a sale of 5 lakh policies in 5 months
  • Crosses the 250 million registered users mark; market-leading share of over 40% in UPI transactions 

Google Play Store Rating: 4.4/5 with a complete 100M+ app downloads




2) Google Pay – Simple and secure Payment UPI app

UPI Apps

Google Pay, previously generally known as Tez App, stands as the most important and greatest app in our checklist of best UPI apps in India. This app has collected a huge customer base in India within a small timeframe. And obviously, having a big brand name of ‘Google’ has helped this app to construct belief among the many new and existing customers.

Using Google Pay, customers can send money to friends, pay their payments, shop on-line, recharge, or pay at the nearby café, and so on. through secure payment by Google.

Another most satisfying part of utilizing Google Pay is the “Scratch cards”. Whenever the customers make a brand new transaction, they’re awarded a gift card within the type of a scratch card. After scratching the card, customers can earn a gift in the type of cash which immediately gets credited into the registered bank account. Anyways, you won’t earn a Scratch card on each transaction as there are a minimal worth and number of transactions predefined by the app. However, if you’re lucky, it’s possible you’ll get a reward of as much as Rs 1 lakh.

Google Play Store Rating

4.1/5 with a total of  5 million reviews




3) Paytm – BHIM UPI, Money Transfer & Mobile Recharge


UPI Apps

Paytm is a fairly well-known mobile payment app in India. Along with Paytm Mall, it additionally gives Paytm Wallet and Paytm UPI (which was launched within the yr 2017). In easy words, we are able to call it a mega-retailer because of the number of services offered by this app.

Paytm customers can carry out almost and every activity related to on-line payments on its app. And that’s why it’s actually the most used payment app and is third in our listing of the finest UPI apps in India.

From making on-line Payments to purchasing home goods, groceries, IRCTC train ticket booking, bus & flight booking, movie tickets, LIC premium payment, metro card recharge, shopping for gold, making loan payments, paying e-challans & extra, every little thing might be completed on this app.




4) Amazon Pay – UPI App

UPI Apps

As of November 2020, Amazon pay is the fourth largest app used for making UPI transactions. Amazon pay bought 37.15 million transactions in volume with Rs 3,624.51 Cr in transaction worth in this month.

Having the large model of Amazon definitely helped Amazon Pay to scale at such a quick tempo in India within a small time-frame. Moreover, having built-in with most shopping and payment gateways, along with awesome cashback rewards, Amazon pay has turned into the darling of the UPI payers these days.




5) BHIM – UPI App

UPI Apps

BHIM app is the fifth most popular UPI apps in India. It is launched and managed by the National Payments Corporation of India (NPCI), BHIM (Bharat Interface for Money) is a UPI enabled the initiative to facilitate protected, simple & instantaneous digital payments by your cell phone.

Google Play Store Rating: 4.2/5 with a total of 8,29,155 reviews




6) Freecharge – Recharges & Bills, UPI, Mutual Funds

UPI Apps

Freecharge is one other on-line payment mobile app in India that gives options like Mobile Recharges, bill payments, sending or receiving money through UPI– after creating BHIM UPI ID & linking the bank account. Moreover, because of its easy interface, all the things appear fairly simple for making UPI funds.

Besides, the Freecharge app also offers the ability to put money into Mutual Funds, making investments with SIPs, booking movie tickets, buying meals, purchase, buying travel tickets, and so on, and that too with an extra cashback and discounts.

Google Play Store Rating: 4.1/5 with a complete of 1 Million reviews

7) PayZapp – Recharge, Pay Bills & Shop

UPI Apps

HDFC Bank PayZapp is the seventh app in our checklist of the best UPI payment apps in India. It is an entire payment solution giving you the ability to pay in simply One Click.

PayZapp is used to make online Recharge, Bill Payments, BharatQR Payments, booking travel tickets, Shopping, obtaining movie tickets, purchase groceries, and extra. It helps payment by mVisa QR, MasterPass QR, and Rupay QR and is obtainable to prospects of all banks. Overall, PayZapp is a handy, quick, and safe UPI funds apps in India and positively values testing.

Google Play Store Rating: 3.9/5 – with a complete 386,392 opinions

Other Notable UPI Apps in India : 

Here are a few other notable UPI apps in India that you can check out:

  • MobiKwik – Recharge, Bill Payment, Instant Loan, UPI, Insurance

 Google Play Store Rating: 4.2/5 – with a complete of 1 Million reviews.

  • BHIM SBI Pay: UPI, Recharges, Bill Payments, Food

Google Play Store Rating: 4.2/5 – with a complete of 371 K  reviews.

  • Kotak – 811 & Mobile Banking

Google Play Store Rating: 4.3/5 – with a complete of 757 K  reviews.

  • Pockets ICICI -UPI, Wallet, Bharat QR

Google Play Store Rating: 3.8/5 – with a complete of 156 K  reviews.

That’s all for this post. Let us know which one is your favorite UPI payment app in India in the comment section below. Have a great day. Cheers!

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I am trying to write Stock Market and Investments-related articles in simple language. I believe good content empowers people to unleash their wealth-creation potential, and I am happy if I can contribute to it.