5 Best UPI Apps in India in 2021 (For Android Users)!

List of 5 Best UPI Apps in India in 2021: With the return of PM Modi 2.0 in 2019, digital India has continued to make new progress. UPI payments have played a big role in this movement. Moreover, the nationwide lockdown due to COVID-19 in 2020, led to a massive increase in the number of people opting for online financial payments. In this time period, the value of UPI transactions soared by 105 percent in 2020. In this article, we will discuss the best UPI Apps in India for easy and fast transactions. But, before we start, let’s first understand what exactly is a UPI?

UPI means Unified Payments Interface. UPI payments have taken a substantial march ahead and nowadays, the mobile app store is flooded with new and innovative UPI apps in India. Briefing about UPI, it is an instant real-time payment system developed by NPCI which stands for National Payments Corporation of India which helps in inter-bank transactions by instantly transferring funds between two bank accounts on a mobile or web platform. Because of this advancement in UPI payments, money can now be sent to anyone across the nation within no time.

Anyways, not all apps listed on the play store are equally good for making UPI payments. Many times, the interface of some of these UPI apps in India may be hard to understand initially. Therefore, in this post, we have handpicked the best UPI apps in India that are easiest to use and definitely worth checking out.

Best 5 UPI apps in India:

1. PhonePe – UPI Payments, Recharges & Money Transfer

UPI Apps in India- PhonePe

PhonePe stands first in our list of best UPI apps in India. It is a revolutionary app that made the Indian population start trusting and moreover making online mobile payments. PhonePe not only helps in making UPI payments but users can also recharge, make online bill payments, order food, shop, etc. all in just one app. As of November 2020, Phonepe has 868.40 million transactions in volume with Rs 1,75,453.85 Cr in transaction value.

PhonePe also provides various offers, rewards, and cashback to its customers. Having one of the simplest interfaces with the safest and fastest online payment experience in India, PhonePe is definitely better than most of the other UPI payment apps or internet banking services.

Google Play Store Rating: 4.4/5 with a total of 59,37,360 reviews

Here’s a direct invite link to download PhonePe.

2. Google Pay (Tez) – A simple and secure payment app

UPI Apps in India- Google pay

Google Pay, formerly known as Tez App, stands the biggest and best app in our list of best UPI apps in India. This app has accumulated a huge customer base in India within a small time frame. And obviously, having a big brand name of ‘Google’ has helped this app to build trust among the new and existing customers.

As of November 2020, Google pay has 960.02 million transactions in volume with Rs 1,61,418.19 Cr in transaction value. Using Google Pay, users can send money to friends, pay their bills, shop online, recharge, or pay at the nearby café, etc. through secure payment by Google.

Another most enjoyable part of using Google Pay is the “Scratch cards”. Whenever the users make a new transaction, they are awarded a gift card in the form of a scratch card. After scratching the card, users can earn a gift in the form of money which directly gets credited into the registered bank account. Anyways, you won’t earn a Scratch card on every transaction as there are a minimum value and number of transactions predefined by the app. However, if you’re lucky, you may get a reward of up to Rs 1 lakh.

Google Play Store Rating: 4.0/5 with a total of 10,27,883 reviews

Here’s a direct invite link to download GooglePay.

UPI Apps Market Share in November 2020 - Best UPI Apps in India

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

UPI Apps in India - Paytm

Paytm is a quite well-known mobile payment app in India. Along with Paytm Mall, it also offers Paytm Wallet and Paytm UPI (which was introduced in the year 2017). In simple words, we can call it a mega store due to the variety of products and services provided by this app.

Paytm users can perform almost each and every activity related to online payments on its app. And that’s why it is certainly the most used payment app and is third in our list of best UPI apps in India. As of November 2020, Paytm has 260.09 million transactions in volume with Rs 28,986.93 Cr in transaction value.

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From making online Payments to buying household items, groceries, IRCTC train ticket booking, bus & flight booking, movie tickets, LIC premium payment, metro card recharge, buying gold, making loan payments, paying e-challans & more, everything can be done on this app.

Google Play Store Rating: 4.4/5 with a total of 81,92,973 reviews

Also Read : 7 Best Mutual Fund Apps for Direct Investment

4. Amazon Pay

amazon pay upi apps

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

https://tradebrains.in/wp-content/uploads/2020/11/trade-brains-portal-side-banner.png

Having the big brand of Amazon definitely helped Amazon Pay to scale at such a fast pace in India within a small time frame. Moreover, having integrated with most shopping and payment gateways, along with awesome cashback rewards, Amazon pay has become the darling of the UPI payers lately.

5. BHIM App

bhim app

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

As of November 2020, BHIM App has 0.31 million transactions in volume with Rs 13.87 Cr in transaction value.

Google Play Store Rating: 4.2/5 with a total of 8,26,155 reviews

Bonus: A few additional UPI apps in India

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

freecharge UPI App

Freecharge is another online payment mobile app in India that provides features like Mobile Recharges, bill payments, sending or receiving money through UPI– after creating BHIM UPI ID & linking the bank account. Moreover, because of its simple interface, everything seems quite easy for making UPI payments.

Besides, the Freecharge app also provides the facility to invest in Mutual Funds, making investments with SIPs, booking movie tickets, buying food, shopping, purchasing travel tickets, etc, and that too with an additional cashback and discounts.

Google Play Store Rating: 4.0/5 with a total of 1,159,488 reviews

Also Read: 7 Best Stock Market Apps that Makes Stock Research 10x Easier

5. PayZapp – Recharge, Pay Bills & Shop

PayZapp UPI App

HDFC Bank PayZapp is the fifth app in our list of best UPI payment apps in India. It is a complete payment solution giving you the power to pay in just One Click.

PayZapp is used to make online Recharge, Bill Payments, BharatQR Payments, booking travel tickets, Shopping, obtaining movie tickets, buy groceries, and more. It supports payment by mVisa QR, MasterPass QR, and Rupay QR and is available to customers of all banks. Overall, PayZapp is a convenient, fast, and secure UPI payments apps in India and definitely worth checking out.

Google Play Store Rating: 3.9/5 – with a total of 383,392 reviews

Other Notable UPI Apps in India

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

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

    Google Play Store Rating: 4.2
    With a total of 1,439,427 reviews

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

    Google Play Store Rating: 4.2
    With a total of 3,69,819 reviews

  • Kotak – 811 & Mobile Banking

    Google Play Store Rating: 4.4
    With a total of 4,58,209 reviews

  • Pockets ICICI -UPI, Wallet, Bharat QR

    Google Play Store Rating: 4.1
    With a total of 1,47,135 reviews

  • JioMoney Wallet

  • Whatsapp Pay

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!

Comments
  • Hello,
    Awesome article!! I really enjoy your article.
    All UPI apps mentioned by you in this post are marvelous.
    This article helped me a lot. Keep writing and keep sharing.
    Thanks for this knowledgeable article.

    • RASHEED PS says:

      Very useful with completely described. Rating, reviews are additional information that are helping readers to choose right one.

  • All five apps are the best UPI apps. I am using Phonepay and Google pay and these are the best apps for money transactions. It’s nice though to share an article about these useful apps. It would be very helpful for all. Keep sharing.

  • KHURSHID says:

    Thanks for the information.

  • Hi there, Thanks for sharing such an awesome android apps.

  • I use all the five UPI apps listed by you and all are superb in their own way. Great article Dharmendra. Brief and crisp.

  • Ashokan J Shenoy says:

    Hai I am using Bhim app. your article is very good and informative. on 10 th october 2020 I transferred money through Bhim to another account. But it is not succeeded. The amount is debited from my alc. The transaction shows pending. How can I complaint to this.

    • Krishnamoorthy S says:

      The procedure to my knowledge is time consuming and you cant complete it. They ask for acc statement etc which you cant get from most of the venders..i used g pay, bhim, and i have lost about 1000 rupees in 3 txn and i just ignored them as exp to have a peace of mind.

  • I really like your articale best information for me thanks

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