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Yes—but only in the documented use case. Indian customers can pay participating Nepalese merchants by scanning an accepted QR code with a UPI-enabled app when their bank and app have enabled international UPI. Sending money to a person in Nepal is a different service: the Reserve Bank of India’s Indo-Nepal Remittance Facility (INRF), which operates through NEFT rather than UPI. The two routes have different eligibility rules, limits, delivery methods and refund procedures.
UPI in Nepal means merchant payment, not a general money-transfer service
NPCI International and Fonepay announced the Nepal connection on 8 March 2024. The first phase was described as person-to-merchant (P2M) payments: an Indian consumer scans a participating merchant’s QR code on the Fonepay network and authorizes the payment in a supported UPI app. The announcement does not establish that every Nepalese QR code accepts UPI, nor that you can use ordinary UPI to send money to any individual in Nepal.
That distinction matters because “Can I send money from India to Nepal using UPI?” has a different answer from “Can I pay a shop in Nepal using UPI?” A shop purchase may work through international UPI acceptance. A family remittance must use an eligible bank’s INRF/NEFT process unless your bank separately offers another regulated service.
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1. Confirm international UPI support
NPCI’s UPI Global guidance says to activate the international service for the specific bank account inside a UPI-powered app. The exact menu name can vary, but look for a setting labelled UPI Global, UPI International or similar. Your bank must support the international transaction; having a domestic UPI ID alone is not enough. The reviewed official material does not provide a definitive, current Nepal-by-bank or Nepal-by-app eligibility list, so check the app and bank before travelling.
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2. Identify an accepted merchant QR
At the point of sale, look for a BHIM UPI or network-partner acceptance QR associated with the participating Nepalese merchant. Do not assume that a QR code is payable merely because it is displayed at a shop. Ask the merchant whether international UPI is accepted and, if possible, test with a small purchase before relying on the method.
3. Review the conversion and fee screen
Scan the QR and inspect the authorization page before entering your UPI PIN. NPCI’s international-payment instructions say the app should show the amount in the foreign currency and in Indian rupees, along with applicable exchange-rate information or fees. Check both amounts, confirm the merchant name, and cancel if the conversion or charge is not what you expect. The available material does not establish one Nepal-wide exchange rate, fee or transaction cap; those values can depend on the bank, app and transaction.
4. Keep the confirmation
Save the transaction reference, the completed status screen and the merchant receipt. A screenshot is useful when mobile coverage is inconsistent, but treat the in-app transaction history and bank statement as the authoritative records.
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What is the UPI limit in Nepal?
No universal Nepal-specific UPI limit is established in the official material reviewed for this guide. The applicable ceiling may be set by your Indian bank, the UPI app, risk controls, the merchant’s acquiring arrangement or currency-conversion rules. Do not substitute India’s domestic UPI limits for a Nepal payment limit. Check the amount shown in your app and your bank’s current international-transaction terms.
The 2024 launch release describes participating merchants acquired by members of the Fonepay network; it does not promise nationwide acceptance. A payment can therefore fail even when your UPI account works normally in India.
Can you send money to a person in Nepal using UPI?
The documented UPI-Nepal launch is for merchant payments. It does not describe a general UPI person-to-person remittance facility. For a transfer to a beneficiary, the RBI describes the Indo-Nepal Remittance Facility (INRF) as “a cross-border remittance scheme to transfer funds from India to Nepal (one-way only), enabled under the NEFT ecosystem.” In practice, the sender uses an NEFT-enabled Indian bank branch and the remittance is processed through the designated banking arrangements, not as a UPI push payment.
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INRF eligibility and limits
The RBI FAQ that sets out the scheme was updated on 27 September 2023. Its figures are dated: verify your bank’s current rules, charges and operational availability before sending money.
| Sender category | Maximum per transaction | Number of remittances | Route |
|---|---|---|---|
| Customer maintaining an account with an NEFT-enabled Indian bank branch | ₹2 lakh | No annual remittance-count limit stated in the RBI FAQ | NEFT through the participating bank |
| Walk-in or non-customer sender | ₹50,000 | Up to 12 remittances in a year | Application at a participating bank counter; cash payment may be accepted under the bank’s process |
These are not UPI limits. They are the limits stated by the RBI for INRF in the 2023 FAQ, and a bank may apply additional compliance checks or service restrictions.
How the INRF remittance is delivered in Nepal
Beneficiary with an account
The remittance information is sent electronically to Nepal SBI Ltd. Where the beneficiary has an eligible account and the service is available, the funds can be credited through that banking arrangement.
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Beneficiary without a Nepalese bank account
A Nepal account is not mandatory under the RBI description. If the beneficiary has no Nepal SBI Ltd account, or lives where an NSBL branch is unavailable, NSBL’s arrangement with Prabhu Money Transfer can provide cash delivery in Nepalese rupees.
What the beneficiary needs for cash collection
The beneficiary should provide the transaction’s UTR (Unique Transaction Reference) and photo identification, generally a Nepal Citizenship Certificate. The sender should therefore share the UTR securely and retain the remittance paperwork. If the beneficiary does not approach the money-transfer company within one week, the RBI FAQ says the remittance is arranged for return to the originator.
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Step-by-step: sending an INRF remittance
- Check the route with your bank. Ask an NEFT-enabled Indian bank branch whether it currently processes INRF and which forms, identification and beneficiary details it requires.
- Choose the beneficiary’s delivery method. Confirm whether the recipient will receive a Nepal SBI Ltd account credit or collect Nepalese-rupee cash through the designated money-transfer arrangement.
- Submit accurate details. Provide the beneficiary’s name and required banking or collection information exactly as requested. Errors can delay credit or trigger a return.
- Stay within the sender-category limit. An account holder’s dated RBI ceiling is ₹2 lakh per transaction; a walk-in sender’s ceiling is ₹50,000 per transaction and 12 transactions per year.
- Keep the UTR and counterfoil. Give the UTR to the beneficiary for cash collection. A walk-in sender who pays cash must retain the remittance-application counterfoil because it is required to claim a refund if the transfer is returned.
- Monitor credit or collection. Ask the originating bank how it communicates a delayed, rejected or returned transaction. Do not treat a successful debit as proof that the beneficiary has received the funds.
INRF charges quoted by the RBI FAQ
The RBI’s 27 September 2023 FAQ lists these charges for transactions up to ₹50,000:
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| Charge component | Amount stated in the 2023 FAQ | Qualification |
|---|---|---|
| Originating bank | Up to ₹5 per transaction | For transfers up to ₹50,000 |
| SBI processing charge | ₹20 per transaction | For transfers up to ₹50,000 |
| Additional cash-delivery charge when the beneficiary has no NSBL account | ₹50 for a remittance up to ₹5,000; ₹75 above ₹5,000 | Applies to the cash-delivery arrangement described by the FAQ |
For transfers above ₹50,000, the FAQ refers to SBI’s prescribed charges instead of stating one amount. These figures may have changed, so obtain the bank’s current schedule before authorizing a transfer and ask whether taxes or other bank charges apply.
Refunds: a failed merchant purchase and a returned remittance follow different rules
If a Nepalese merchant UPI payment fails or must be refunded
NPCI’s general UPI FAQ says the merchant asks its bank to issue a refund under that bank’s process. The available guidance does not provide a Nepal-specific refund deadline, guarantee when your account will be credited, or define a single Nepal dispute-escalation path. Keep the UPI transaction reference, contact the merchant, and raise the issue with your UPI app or bank using that reference. Do not rely on a promised number of days unless your own bank or app publishes one.
If an INRF remittance is undelivered
Under the RBI process, an undelivered remittance is returned through NEFT to the originating bank branch. The branch informs the sender, and a transfer that debited an account is credited back to that account. A walk-in sender who paid cash must present the remittance-application counterfoil as proof to obtain the refund. This return procedure is for INRF; it is not the refund rule for a merchant QR purchase.
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Where to complain about a delayed or missing INRF credit
The RBI directs customers to the NEFT Customer Facilitation Centre of the originating bank and/or SBI for non-credit, delayed credit and other INRF problems. If the issue remains unresolved, the RBI NEFT Help Desk or designated contact point can be approached. Include the UTR, date, amount, sender details and any counterfoil when filing a complaint.
Quick Recap
UPI merchant payment or INRF remittance?
| Question | UPI QR payment in Nepal | Indo-Nepal Remittance Facility |
|---|---|---|
| Purpose | Pay a participating business | Send funds to a beneficiary in Nepal |
| Payment rail | UPI-enabled app and accepted cross-border QR | NEFT through an NEFT-enabled Indian bank branch |
| Direction | Indian consumer to Nepalese merchant | India to Nepal, one-way |
| Limit evidence | No universal Nepal-specific cap established; check your bank and app | RBI FAQ (updated 27 September 2023): ₹2 lakh per transaction for account holders; ₹50,000 per transaction and 12 per year for walk-in senders |
| Recipient account | Not applicable; the recipient is a merchant | Not mandatory; account credit or eligible cash delivery may be available |
| Failure or refund | Merchant requests a bank refund; Nepal-specific timing is not stated | Returned through the originating bank; cash sender needs the application counterfoil |
Practical checklist before you pay or remit
- Decide whether you are paying a merchant or sending money to a person.
- For a merchant purchase, confirm international UPI activation, accepted network QR, displayed exchange rate and total rupee amount.
- For INRF, confirm the originating bank’s current participation, documents, charges and limits.
- Verify the beneficiary’s name and whether account credit or cash collection is intended.
- Record the UPI transaction reference or INRF UTR and keep receipts and counterfoils.
- Never assume a domestic UPI limit, a Nepalese QR code or a merchant’s refund promise applies to every bank.
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