RBI announced the integration of UPI Lite with the e-mandate framework to allow for the automatic replenishment of UPI Lite balances

UPI Lite's integration with the e-mandate framework has been announced by the Reserve Bank of India (RBI). With this change, UPI Lite funds will be automatically topped off, which should make small-value digital payments easier. 

According to RBI Governor Shaktikanta Das, the integration was developed to improve customer experience with UPI Lite by taking into account input from several stakeholders.

UPI Lite functions as an on-device wallet for small-value transactions and is a condensed form of the Unified Payments Interface (UPI). It was unveiled in September 2022 with the goal of enabling simple, rapid small payments. Customers may now load their wallets with up to Rs 2000 and make payments up to Rs 500 using UPI Lite without a UPI PIN. 

The wallet balance will be immediately topped off from the user's bank account if it falls below a predetermined level with the new auto-replenishment feature. The auto-replenishment option will save them time and effort by guaranteeing that customers' UPI Lite wallets are always stocked with enough money.

In addition to UPI Lite, the RBI has suggested that the National Common Mobility Card (NCMC) and FASTag automatically refill balances as part of the e-mandate system. Governor Das stated that this will improve payments connected to mobility and travel.