Free tools Windows power users keep installed
One-click scans. No signup required.
iTechGuides is reader-supported. When you buy through links on our site, we may earn an affiliate commission. As an Amazon Associate I earn from qualifying purchases. Learn more
Yes—people can now send person-to-person money between India and Nepal through a linkage between India’s Unified Payments Interface (UPI) and Nepal’s National Payments Interface (NPI). The mechanism launched on June 6, 2026. Whether you can use it depends on your transfer direction, citizenship and participating bank or app. Nepal Clearing House Limited (NCHL) lists different limits and fees for each direction, and provider availability can change.
What launched, and when?
The UPI–NPI cross-border person-to-person (P2P) remittance mechanism officially launched on June 6, 2026, according to the Government of India. The government announcement was posted June 11; NCHL’s launch announcement is dated June 9. NPCI International Payments Limited (NIPL), the international arm of India’s National Payments Corporation of India, and NCHL carried out the integration. The service is described as enabling instant, real-time transfers through participating mobile banking apps and digital wallets. Government of India announcement and NCHL launch announcement.
That description does not mean every bank or payment app supports the service, or that every transfer will be processed without delay. Check the app’s availability and transaction terms before sending.
Do these 3 things before closing this tab:
1Fix the driver behind crashes, sound loss and screen glitches2Repair Windows errors before they cause bigger problems3Scan for outdated or missing drivers - takes under a minuteCan you send money in either direction?
India to Nepal
NCHL says Indian and Nepali citizens can send from India to Nepal using participating Indian bank apps or non-bank third-party app providers (TPAPs). The recipient can be identified by mobile number or virtual payment address (VPA). NCHL says the sender and recipient must each provide one-time consent for cross-border transfers. Participation by the provider is required; having a UPI app alone does not guarantee access.
#1 Best Overall
- Universal unlocked. Compatible with all major U.S. carriers, including Verizon, AT&T, T-Mobile and other prepaid carriers.
- Super-bright, super-smooth 6.7" display. See your screen clearly even outdoors in sunlight, and enjoy seamless views with a fast-refreshing 120Hz display.*
- AI-powered camera system. Take stunning photos in any light with the 50MP camera**, look your best with a 32MP selfie cam*****, and capture extreme close-ups.
- Superfast 5G performance. Unleash your entertainment at 5G speed*** with the MediaTek Dimensity 6300 chipset and up to 12GB of RAM with RAM Boost****.
- Long-lasting battery + TurboPower charging. Power through day after day with a 5200mAh battery, then get hours of power in just minutes.****
Nepal to India
NCHL specifies that this direction is for Indian citizens who maintain an account with a participating member bank in Nepal. Sending options include the bank’s mobile app, connectIPS and account-linked PSP apps. The transfer is addressed using the recipient’s UPI ID in India. NCHL’s process has the sender enable cross-border service, enter beneficiary details and an amount in Nepalese rupees, check the displayed Indian-rupee equivalent, then authorize with a transaction PIN and/or OTP. NCHL service details.
Which providers are listed?
The following is NCHL’s provider list as shown on its service page in 2026. Availability is provider- and direction-specific, and NCHL says additional providers are being added. Confirm that your own account and the relevant transfer direction are enabled in your bank or app.
Rank #2
- YOUR CONTENT, SUPER SMOOTH: The ultra-clear 6.7" FHD+ Super AMOLED display of Galaxy A17 5G helps bring your content to life, whether you're scrolling through recipes or video chatting with loved ones.¹
- LIVE FAST. CHARGE FASTER: Focus more on the moment and less on your battery percentage with Galaxy A17 5G. Super Fast Charging powers up your battery so you can get back to life sooner.²
- MEMORIES MADE PICTURE PERFECT: Capture every angle in stunning clarity, from wide family photos to close-ups of friends, with the triple-lens camera on Galaxy A17 5G.
- NEED MORE STORAGE? WE HAVE YOU COVERED: With an improved 2TB of expandable storage, Galaxy A17 5G makes it easy to keep cherished photos, videos and important files readily accessible whenever you need them.³
- BUILT TO LAST: With an improved IP54 rating, Galaxy A17 5G is even more durable than before.⁴ It’s built to resist splashes and dust and comes with a stronger yet slimmer Gorilla Glass Victus front and Glass Fiber Reinforced Polymer back.
Nepal-ready providers
- Everest Bank Ltd.
- Global IME Bank Ltd.
- Himalayan Bank Ltd. (currently enabled for receiving only, per NCHL)
- Machhapuchchhre Bank Ltd.
- Nabil Bank Ltd.
- Nepal SBI Bank Ltd.
- NMB Bank Ltd. (currently enabled for receiving only, per NCHL)
- connectIPS
India-ready banks and apps
- Axis Bank
- Bank of Baroda
- Bank of India
- Canara Bank
- Central Bank of India
- DBS Bank India
- Federal Bank
- HDFC Bank
- ICICI Bank
- IDFC FIRST Bank
- Indian Bank
- Indian Overseas Bank
- IndusInd Bank
- Karur Vysya Bank
- Kotak Mahindra Bank
- Punjab National Bank
- South Indian Bank
- State Bank of India (BHIM SBI Pay; NCHL marks SBI as enabled for sending and receiving)
These names indicate listings on NCHL’s page, not a guarantee that every customer or account can transact. Check the current service page or contact your provider before relying on the list.
What are the transfer limits and fees?
NCHL’s service page publishes the following operational limits and fee information. These are NCHL’s published terms as listed in 2026; your bank or app may impose additional conditions, and the terms can change.
Rank #3
- Charger NOT Included, 6.7" Super AMOLED FHD+, 90Hz Refresh Rate, 385 ppi, 800 nits (HBM), 1080x2340px, 5000mAh Battery
- 128GB, 4GB RAM, microSDXC, Exynos 1330 (5nm), Octa-Core, Mali-G68 MP2 or Mali-G57 MC2 GPU
- Rear Camera: 50MP, f/1.8 (wide) + 5MP, f/2.2 (ultrawide) + 2MP, f/2.4 (macro), LED flash, panorama, HDR; Front Camera: 13MP, f/2.0, Android 14, up to 6 major Android upgrades, One UI 6.1
- 3G: HSDPA 850/900/1700(AWS)/1900/2100; 4G LTE: 1/2/3/4/5/7/12/13/14/20/25/26/28/29/30/38/39/40/41/48/66/71, 5G: 2/5/25/41/66/71/77/78 SA/NSA/Sub6/mmWave - Nano-SIM + eSIM
- US Model – Global Connectivity – Compatible with Most GSM Carriers like T-Mobile, AT&T, MetroPCS, etc. Will Also work with CDMA Carriers Such as Verizon, Straight Talk.
| Direction | Published limit | Published fee information |
|---|---|---|
| Nepal to India | Up to INR 15,000 per transaction and INR 100,000 per month | NPR 240 per transaction, according to NCHL |
| India to Nepal | Up to INR 200,000 per transaction; NCHL’s table does not state a monthly cap | Check the relevant bank or app; NCHL does not publish one common India-side fee |
The sources do not provide a single India-side exchange-rate or total-cost schedule. Before confirming a transfer, check the amount the recipient will receive, the exchange rate shown, and any fee in the sending app. Do not assume the India-to-Nepal service is free or calculate its all-in cost from the Nepal-to-India fee.
How to make a transfer
The exact screens vary by provider, but NCHL describes a process that follows these steps:
Rank #4
- YOUR CONTENT, SUPER SMOOTH: The ultra-clear 6.7" FHD+ Super AMOLED display of Galaxy A17 5G helps bring your content to life, whether you're scrolling through recipes or video chatting with loved ones.¹
- LIVE FAST. CHARGE FASTER: Focus more on the moment and less on your battery percentage with Galaxy A17 5G. Super Fast Charging powers up your battery so you can get back to life sooner.²
- MEMORIES MADE PICTURE PERFECT: Capture every angle in stunning clarity, from wide family photos to close-ups of friends, with the triple-lens camera on Galaxy A17 5G.
- NEED MORE STORAGE? WE HAVE YOU COVERED: With an improved 2TB of expandable storage, Galaxy A17 5G makes it easy to keep cherished photos, videos and important files readily accessible whenever you need them.³
- BUILT TO LAST: With an improved IP54 rating, Galaxy A17 5G is even more durable than before.⁴ It’s built to resist splashes and dust and comes with a stronger yet slimmer Gorilla Glass Victus front and Glass Fiber Reinforced Polymer back.
- Confirm that your bank or payment app supports the UPI–NPI service for your direction and that you meet its eligibility rules.
- Enable the cross-border service and complete the one-time consent process requested of the sender and recipient.
- Enter the beneficiary identifier: a mobile number or VPA for India-to-Nepal, or a UPI ID for Nepal-to-India.
- Enter the amount. For Nepal-to-India, NCHL’s process specifies entering Nepalese rupees and reviewing the displayed Indian-rupee equivalent.
- Check the beneficiary, conversion, amount to be received and displayed charges; then authorize with the transaction PIN and/or OTP requested by the provider.
If the app does not show the cross-border option, do not assume the service is available simply because the institution appears in NCHL’s list. Ask the provider whether your account and transfer direction have been enabled.
How this differs from UPI QR payments in Nepal
The 2026 UPI–NPI linkage is for sending money to a person. It is distinct from UPI merchant payments that Indian consumers could already make by scanning QR codes on Nepal’s Fonepay network. NPCI International announced that person-to-merchant rollout on March 8, 2024. A QR purchase pays a merchant for goods or services; it is not a remittance to an individual. The 2026 launch was therefore not the first time UPI could be used in Nepal. NPCI International’s announcement on UPI merchant payments in Nepal.
Best Value
- Carrier: This phone is locked to Tracfone, which means this device can only be used on the Tracfone wireless network. Tracfone plan required, activating is easy, just 3 steps.
- DISPLAY: Immersive viewing on a 6.7-inch super-bright 120Hz display with powerful stereo speakers and Bass Boost for cinematic entertainment.
- CAMERA SYSTEM: Advanced 50MP Quad Pixel camera captures sharp, detailed photos and videos in any lighting condition
- PERFORMANCE: Lightning-fast 5G connectivity paired with a powerful processor and RAM Boost for smooth multitasking.
- BATTERY LIFE: Long-lasting 5000mAh battery with TurboPower charging technology delivers hours of power in minutes.
How it compares with the RBI’s older remittance facility
The UPI–NPI linkage is not the same service as the Reserve Bank of India’s Indo-Nepal Remittance Facility (INRF). INRF is a separate, India-to-Nepal, NEFT-based scheme launched in May 2008 and updated in August 2021. RBI’s FAQ, updated September 27, 2023, says a sender with an account at an NEFT-enabled Indian bank branch can send up to ₹2 lakh per transaction. A walk-in sender who is not a bank customer can send up to ₹50,000 per transaction, with a limit of 12 remittances per year. The route pools transfers through SBI in India and uses Nepal SBI Ltd. (NSBL) in Nepal; cash delivery through an authorized money-transfer company is possible in specified cases. INRF fees and delivery rules apply to that scheme, not to UPI–NPI. RBI’s INRF FAQ.
| Feature | UPI–NPI linkage | RBI Indo-Nepal Remittance Facility |
|---|---|---|
| Direction covered | India to Nepal and Nepal to India | India to Nepal |
| Channel | Participating bank apps, TPAPs and, for Nepal-origin transfers, connectIPS or account-linked PSP apps | NEFT through an eligible Indian bank branch; RBI also describes walk-in, non-customer remittances |
| Recipient details | Mobile number or VPA for India-to-Nepal; UPI ID for Nepal-to-India | RBI’s cited FAQ describes routing through SBI and Nepal SBI Ltd., with specified cash-delivery cases |
| Published limits | Direction-specific limits in NCHL’s 2026 service listing | Up to ₹2 lakh per transaction for eligible account holders; up to ₹50,000 per transaction and 12 remittances a year for walk-in non-customers, per RBI’s FAQ updated September 27, 2023 |
| Fees | NCHL lists NPR 240 for Nepal-to-India; India-side charges are provider-specific | Scheme-specific RBI fees; they should not be treated as UPI–NPI fees |
Because the routes, eligibility, fees and delivery methods differ, the published limits alone do not establish which option costs less or suits a particular sender. Compare the current terms for the route you can access.
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
The Tool Desk
Outbyte Driver Updater FREEFix the driver behind crashes, sound loss and screen glitchesFind Drivers →Outbyte PC Repair FREEClear out junk files and repair common Windows errorsFree Scan →
