UPI LITE X is a streamlined payment feature allowing small-value UPI transactions in offline mode. However, there are essential procedures to follow if you plan to uninstall a UPI app or switch devices to ensure you don't lose your UPI LITE X balance.
Before either of these actions, you must disable UPI LITE X within your current app. This process transfers your UPI LITE X balance back into your primary bank account in real-time.
If you uninstall the app or change devices without disabling UPI LITE X, your entire balance will be temporarily held as a fraud prevention measure. This process takes up to 4 days. After a review period, your balance (adjusted for any pending transactions) should be returned to your bank account. Your bank will receive information about the refund process and should take swift action to credit your account.
UPI LITE X balances should be handled like cash. These procedures protect you from potential fraud risks associated with devices used for offline transactions.
Q: What happens to my UPI LITE X balance if I uninstall my UPI app? A: Your balance is held for 4 days. After due diligence, it will be returned to your bank account.
Q: Can I get my UPI LITE X balance back instantly? A: Only if you disable UPI LITE X before uninstalling the app or changing devices.
Q: I forgot to disable UPI LITE X, what do I do now? A: Your balance will be reviewed and eventually refunded to your bank account, usually within 4 days.
Q: Do the same rules apply if I change devices but keep the same operating system (Android/iOS)? A: Yes, you must always disable UPI LITE X before switching devices.
Q: Are there any extra steps if I switch operating systems (Android to iOS or vice versa)? A: Yes. If you can't access the old device to disable UPI LITE X, contact your bank to assist in disabling it and refunding your balance.
Q: How long does the refund process take? A: Typically up to 4 days, but your bank should process it as quickly as possible once initiated.
Q: Where does my LITE X balance go while it's held? A: It's kept in a secure holding status while transactions are reviewed for fraud prevention.
Q: Do I need to contact my bank to get my refund? A: Usually not. The process is designed to be automatic, but you can contact your bank if the refund exceeds the 4-day timeframe.
Q: Why does this process exist? A: To protect users from potential fraud associated with devices storing a balance offline.
Q: Will I be able to continue using UPI LITE X when the balance is refunded? A: Yes, once the balance is in your bank account, you can add funds to your UPI LITE X again as needed.
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