Send/Receive Money Using UPI Without Internet in India 1

Send/Receive Money Using UPI Without Internet in India

Launched in 2016, USSD 2.0 was proposed as a convenient way for feature phone users to transfer money in India without an internet connection. Fast forward to 2021, the service now has more than 80 partner banks, 13 languages ​​and four telecos (Airtel, BSNL, MTNL, Vodafone Idea). So if you want to transfer money and you don’t have a stable internet connection, you can use this nifty solution. We will teach you how to use *99# service to send and receive money using UPI without internet connection in India.

Money Transfer Using UPI Without Internet (2021)

The access code for NPCI’s USSD-based mobile banking service is *99#.. To get started, open your phone’s dialer, enter this code and press the call button and wait for the service list to appear. this The total amount you can send per UPI transaction is limited to Rs. 5,000. The cost of USSD service may vary by network operator, but TRAI has set a maximum limit of Rs. 0.50 per transaction. In the meantime, let’s take a look at this Internet free UPI money transfer service.

List of Options Available in *99# Service

  • Transfering money
  • Request Money
  • check balance
  • My profile
  • pending transaction
  • process
  • UPI PIN

Supported Banks, Telecom Operators and Languages

Partner Telcos List (October 2021)

These are the four telcos that currently support the *99# service. As you can see, Reliance Jio is a notable shortcoming and the service will not work if you are a Jio subscriber, at least for now.

  • Airtel
  • BSNL
  • MTNL
  • Vodafone Idea

List of Partner Banks (October 2021)

You can check whether your bank supports NPCI’s *99# service from the list below. Note that this list has been updated as of October 2021. New banks may join the service in the future, so be sure. check the official list If you’re reading this after a few months.

  • Axis Base
  • Andhra Bank
  • Karnataka Bank
  • Union Bank of India
  • Vijaya Bank
  • Punjab National Bank
  • YES Bank
  • Industry Bank
  • Maharashtra Bank
  • Thane Janta Sahakari Bank Ltd (TJSB)
  • Ratnakar Bank Limited
  • ICICI Bank
  • Canara Bank
  • UCO Bank
  • South India Bank
  • IDFC
  • IDBI Bank
  • Allahabad Bank
  • Kotak Mahindra Bank
  • Baroda Bank BARB
  • HDFC
  • State Bank of India
  • Dena Bank
  • Karur Vysaya Bank
  • Standard Chartered
  • Indian Bank
  • Ujivan Small Finance Bank Limited
  • Federal Bank
  • Paschim Banga Gramin Bank
  • Sarva Haryana Gramin Bank
  • AU Small Finance Bank
  • Himachal Pradesh Gramin Bank
  • Jana Small Finance Bank
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  • Reserve Bank of India
  • Syndicate Bank
  • Indian Overseas Bank
  • Bank of India
  • Punjab and Sind Bank
  • City Union Bank
  • Lakshmi Vilas Bank Limited
  • GP Parsik Bank
  • Vasai Vikas Cooperative Bank Ltd.
  • Thane Bharat Sahakari Bank
  • Apna Sahakari Bank
  • Janta Sahakari Bank Pune
  • Rajkot Nagari Sahakari Bank Ltd.
  • Punjab and Maharastra Co. bank
  • Bank of Jammu and Kashmir
  • Mehsana Urban Cooperative Bank
  • Bandhan Bank
  • Saraswat Cooperative Bank
  • Kalyan Janta Sahkari Bank
  • Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd.
  • Gujarat State Cooperative Bank Limited
  • Hasti Cooperative Bank Ltd.
  • Mahanagar Cooperative. Bank Ltd.
  • Airtel Payment Bank
  • J & K Grameen Bank
  • FINO Payment Bank
  • Kerala Gramin Bank
  • Pragathi Krishna Gramin Bank
  • Karnataka Vikas Gramin Bank
  • Andhra Pragathi Grameena Bank
  • Prathama Bank
  • Maharashtra Grameen Bank
  • Purvanchal Bank
  • Rajasthan Marudhara Gramin Bank
  • Telangana Gramin Bank
  • Chhattisgarh Rajya Gramin Bank
  • Saurashtra Gramin Bank
  • Andhra Pradesh Grameena Vikas Bank
  • Uttarakhand Gramin Bank
  • Meghalaya Rural Bank
  • Mizoram Rural Bank
  • Vananchal Gramin Bank
  • Baroda Rajasthan Kshetriya Gramin Bank
  • Dena Gujarat Gramin Bank
  • Chaitanya Godavari Grameena Bank
  • Baroda Uttar Pradesh Gramin Bank
  • Baroda Gujarat Gramin Bank
  • Dhanlaxmi Bank
  • Punjab Gramin Bank

List of Supported Languages ​​(October 2021)

*99# You can use the USSD UPI money transfer service in the following languages:

  • Hindi
  • Tamil
  • Telugu language
  • in Malayalam
  • kannada
  • Gujarati
  • Marathi
  • bengali
  • Punjabi
  • Assamese
  • Ortaca
  • English
  • Urdu

Send Money Using UPI Without Internet

1. Dial *99# and type ‘1’ to access the option to send money to others. You can send money by entering the mobile number, UPI ID, selecting the registered beneficiary or by entering the IFSC code and account number. Type the number corresponding to the method you want to use and press the ‘Send’ button. For example, here I will select ‘3’ for the UPI ID.

2. Enter the recipient’s UPI ID and press ‘Submit’. On the next screen, add the amount you want to transfer to his account using the UPI. Here I got into Re. 1 for the show.

add upi id and amount to send money without internet

3. Add a description if you want, or type ‘1’ to skip. When the next popup appears, Enter your UPI PIN to start the process.

add description and enter upi pin to send money without internet

4. You will now see a confirmation pop-up window showing that you have successfully transferred the money to the recipient without internet access. Yes, it’s that easy.

payment confirmation screen

Request Money Using UPI Without Internet

Besides the ability to send money using UPI without an internet connection, you can also use the *99# USSD service to request money from others. Here’s how it works:

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one. Enter ‘2’ and select ‘Request Money’ In the *99# popup, enter the mobile number or UPI ID of the person you want to request money from on the next screen.

request money via ussd

2. Enter the amount you wish to claim and optionally add a description if desired.

enter the amount to be requested and comment

3. Next, you will see a screen asking you to confirm the payment request. Send ‘1’ to confirm. You will then see a message stating that you have successfully initiated the collection request.

confirm payment request ussd

Check Bank Account Balance Using USSD

Another useful option under the *99# service is the ability to check your account balance. After dialing *99#, Submit ‘3’ from the main dropdown and you will see the balance Even if you are not interested in the ability of the bank account linked to your phone number to send money using the UPI, the ability to check your bank account balance without an active internet connection is a nifty addition to the USSD service.

check account balance ussd

Manage Your Profile

In the ‘My Profile’ section you will see lots of options and we have listed them all below:

  • Change the bank account linked to your UPI number,
  • change language,
  • Managing the beneficiary,
  • Check your UPI ID,
  • Vendor features and more.

Select the number corresponding to the options listed above to manage your profile accordingly.

manage profile upi via ussd

Check Recent Operations

You can also see a list of your recent transactions using this USSD service. Submit ‘6’ from the main menu to view your recent transactions. However, remember that only applies to UPI transactions (money you send and receive) through the USSD service without internet. Other transactions from UPI applications or different payment modes are not recorded here.

upi transaction history

Change UPI PIN

Finally, using the *99# USSD code Change your UPI PIN without internet connection. Submit ‘7’ from the main menu to set, reset or change your UPI PIN. As you can see in the image below, there are separate options to change or reset your UPI PIN.

new set or change upi pin

Make UPI Transactions Without Internet in India

This is how you can send and receive money without an internet connection using UPI in India. If you prefer to use a dedicated app for all your UPI payments, be sure to check out our list of the best UPI apps in India. A potential issue you may encounter while using the service is “External application not working. Please try later” error. However, trying the service a few minutes later fixed it for me. If you encounter any other issues while using the *99# service, let us know in the comments below. We will try to help you.

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