The National Payments Corporation of India (NPCI), the organisation behind UPI, has introduced three new digital features to make UPI payments even safer, faster, and more convenient.
These updates aim to strengthen security, simplify PIN management, and expand UPI’s reach across India.
UPI with On-Device Biometric Authentication
Now, UPI users can make payments using their phone’s built-in fingerprint or face unlock, instead of manually entering their UPI PIN.
This means transactions will become quicker and easier, while maintaining top-level security.
The new biometric feature is completely optional — users can choose to enable it if they prefer.
Each payment will still go through bank-level security checks, keeping the process fully protected.
Initially, this feature will be available for transactions up to Rs 5,000.
Aadhaar-Based Face Authentication for UPI PIN
Setting or resetting your UPI PIN is about to get much simpler. NPCI has introduced Aadhaar-based face authentication, allowing users to verify their identity using facial recognition instead of OTPs or debit card details.
This new method is especially helpful for first-time users, senior citizens, and people who don’t have easy access to cards.
The system uses the UIDAI’s FaceRD App to confirm identity securely.
In the future, this feature will also be extended to support regular UPI transactions.
UPI for Cash Withdrawals
NPCI has also introduced a new way to withdraw cash using UPI.
Users can now withdraw money through Micro ATMs at UPI Cash Points — the same Business Correspondent touchpoints often found in rural and semi-urban areas.
This move brings more flexibility and inclusivity to India’s digital payment system by connecting UPI with physical cash withdrawals.
Moving Toward a Smarter, Safer UPI
These new features mark another big step in India’s digital payments journey.
By combining biometric verification, Aadhaar integration, and wider accessibility, NPCI aims to make UPI more secure, inclusive, and user-friendly than ever.
