BHIM App Auto Top-Up: India’s digital payments ecosystem has taken another big leap forward with the introduction of the Auto Top-Up feature for UPI Lite on the BHIM app. Rolled out by National Payments Corporation of India (NPCI), this new upgrade is designed to make small-value digital payments smoother, faster, and completely stress-free for everyday users.
What Is BHIM App Auto Top-Up ?
UPI Lite Auto Top-Up works like an intelligent wallet refill system. Once enabled, it automatically reloads your UPI Lite balance from your linked bank account whenever the balance drops below a set threshold. This means users no longer need to manually add money or enter a UPI PIN repeatedly for small purchases such as tea, groceries, parking, or metro tickets.
The feature is now live on the BHIM App, making it easier for millions of users to enjoy uninterrupted PIN-less transactions.
Revised UPI Lite Limits (2026)
To support the growing adoption of UPI Lite, Reserve Bank of India (RBI) and NPCI have enhanced usage limits. Here’s a quick overview:
| Feature | Updated Limit (2026) |
|---|---|
Maximum UPI Lite Balance |
₹5,000 |
| Per-Transaction Limit (No PIN) | ₹1,000 |
| Daily Spending Limit | ₹10,000 |
| Auto Top-Up Frequency | Up to 5 times/day |
Why This Update Is Important
- Faster Checkout Experience: No PIN is required for eligible transactions, making payments nearly instant.
- Cleaner Bank Statements: Instead of multiple small debits, only consolidated top-up amounts appear.
- Works in Low Connectivity: UPI Lite supports offline and low-network environments, ideal for rural and transit use cases.
How to Enable Auto Top-Up on BHIM
Activating the feature is simple:
- Open the BHIM app and go to the UPI Lite section
- Tap on Enable Auto Top-Up
- Set your minimum balance threshold and reload amount
- Authorize once using your UPI PIN
With this upgrade, UPI Lite moves closer to a truly invisible payment experience—where your wallet manages itself while you enjoy seamless digital payments.
Hari Dhage is a passionate tech writer and a Computer Engineering student with a strong interest in emerging technologies, smartphones, gadgets, and digital trends. With a solid technical background and a curiosity for innovation, he simplifies complex tech topics into clear, engaging, and reader-friendly articles. Through his writing on CrickDuniya.in, Hari aims to keep readers informed with accurate, up-to-date tech news, comparisons, and insights that matter in everyday digital life.
