Non-Resident Indians (NRIs) no longer need Indian SIM cards to use UPI payments in India. Thanks to recent updates from the Reserve Bank of India (RBI), the National Payments Corporation of India (NPCI), and private banks like IDFC First, NRIs can now make digital payments using their international mobile numbers.
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NRIs Can Now Use UPI in India With Foreign Mobile Numbers
In January 2023, the RBI allowed UPI access for NRIs holding NRE (Non-Resident External) or NRO (Non-Resident Ordinary) accounts linked to international mobile numbers. This game-changing policy enables NRIs to pay rent, send money to family, or settle bills in India using apps like Google Pay and PhonePe.
Eligibility Requirements
To activate UPI as an NRI, you must:
- Hold an NRE or NRO account with an Indian bank
- Use a mobile number with an approved country code
- Ensure your bank and UPI app support international number onboarding
Supported Countries & Setup Process
| Country | Code | Bank Support |
|---|---|---|
| USA | +1 | Available |
| UK | +44 | Available |
| UAE | +971 | Available |
| Australia | +61 | Available |
| Singapore | +65 | Available |
| Canada | +1 | Available |
As of now, NRIs from 12 countries including the USA, UK, UAE, Australia, and Singapore can link their accounts to UPI apps using their foreign mobile numbers.
How to Set Up UPI
- Open an NRE or NRO account with a UPI-enabled Indian bank
- Register your international mobile number with the bank
- Download supported UPI apps (PhonePe, Google Pay India, BHIM, or Paytm)
- Complete UPI registration using your international number
- Start transacting in India
Tax Considerations
Understanding tax implications is crucial for NRIs using UPI. NRE accounts are tax-free, but NRO accounts are taxable in India. PAN linking is essential to avoid higher tax deductions under Section 206AA.
For more NRI investment insights and financial updates, visit TechnoSports.
For official UPI guidelines, check the NPCI website.
FAQs
Do I need an Indian SIM card for UPI as an NRI?
No, you can now use UPI with your foreign mobile number if you have an NRE/NRO account.
Which UPI apps support international numbers?
PhonePe, Google Pay (India version), BHIM, and Paytm support NRI UPI registration.
