How to Use UPI Offline via USSD (*99#)

Why offline UPI matters in real-world scenarios

While UPI is primarily associated with smartphone apps and internet connectivity, a significant portion of users still operate in low-network environments or use feature phones. In such situations, USSD-based UPI becomes critical.

For example, in rural areas or during network outages, users can still send or receive money using a simple dial code—ensuring financial continuity.

*What is 99# and how it works

*99# is a USSD-based service that allows users to access UPI functionalities without internet. It operates through telecom networks instead of data services.

When a user dials *99#, a menu-driven interface appears, allowing actions like sending money, checking balance, or viewing transactions.

Step-by-step transaction flow

• Dial *99# from registered mobile number
• Select “Send Money” option
• Enter recipient details (mobile/UPI ID)
• Enter amount
• Authenticate using UPI PIN

The transaction is processed instantly, similar to app-based UPI.

Advantages of USSD-based UPI

• Works without internet
• Compatible with basic phones
• Useful in low connectivity zones

This makes it highly inclusive for users without smartphones.

Limitations and constraints

USSD sessions can time out quickly, especially if inputs are delayed. There may also be transaction limits lower than app-based UPI.

Additionally, the interface is less intuitive compared to modern apps.

Charges and cost considerations

Some telecom operators may charge a nominal fee per USSD session. While minimal, this is a factor users should be aware of.

Best practices for smooth usage

• Keep inputs ready before dialing
• Ensure correct mobile number is used
• Avoid delays during session

UPI transactions are governed by NPCI guidelines.