Google Pay on Wednesday introduced a new feature that allows users to register for Unified Payments Interface (UPI) using their Aadhaar through the National Payments Corporation of India (NPCI), according to an announcement made today. By leveraging the Aadhaar-based UPI onboarding flow, Google Pay users can now set up their UPI PIN without needing a debit card. This development is expected to facilitate the onboarding of a larger number of users onto UPI, enabling them to make digital payments. Initially, this feature is accessible to bank account holders of supported banks, with more banks expected to offer this functionality in the near future.


The Aadhaar-based onboarding feature on UPI aims to expand its availability to a wider user base, furthering financial inclusion in the country.


To begin the UPI onboarding process using Aadhaar, users must ensure that their phone number registered with the Unique Identification Authority of India (UIDAI) matches the one registered with their bank and that their bank account is linked to Aadhaar. Once these prerequisites are met, users can follow the steps below to complete the onboarding process:



  • In Google Pay, users can choose between debit card or Aadhaar-based UPI onboarding. If they opt for Aadhaar, they need to enter the first six digits of their Aadhaar number to initiate the process.

  • To authenticate the process, users will need to enter OTPs received from UIDAI and their bank.

  • The user's bank will then finalise the process, allowing them to set their UPI PIN.


After the successful completion of these steps, customers can utilise the Google Pay app for making transactions and checking their balance. When a user enters the first six digits of their Aadhaar number, it is securely transmitted to UIDAI via NPCI for validation. Google Pay does not retain the Aadhaar number; it acts solely as a facilitator in sharing the Aadhaar number with NPCI for validation.


Sharath Bulusu, Director of Product Management at Google, expressed excitement about the new feature, stating that it brings simplicity and convenience to users. Bulusu highlighted Google's alignment with the government's vision of promoting financial inclusion and driving the adoption of digital payments in India. He also emphasised the positive response that digital payments have received in the country, expressing confidence that this feature will further enhance the UPI ecosystem.


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