India UPI

NCHL’s National Payment Interface (NPI) of Nepal is now connected with NPCI’s Unified Payments Interface (UPI) of India, enabling instant, secure and affordable person-to-person (P2P) fund transfers between Nepal and India.This cross-border payment connectivity allows eligible users in Nepal and India to transfer funds directly using Virtual Payment Addresses (VPAs), eliminating the need to share sensitive bank account details and significantly simplifying the remittance experience.

Whether you are supporting family members, managing personal expenses, or transferring funds across the border, the UPI–NPI linkage offers a seamless and real-time payment experience.

Key Benefits

• Instant Transfers – Send and receive money in real time between Nepal and India.
• VPA-Based Payments – Transfer funds using a Virtual Payment Address instead of sharing bank account information.
• 24×7 Availability – Make transactions anytime.
• Secure – Sensitive bank account details remain protected throughout the transaction process.
• Convenient User Experience – Transfers can be initiated directly from participating banking and payment applications.

Who Can Use the Service?

1. For Nepal to India transfer, Indian citizens maintaining accounts with participating member banks in Nepal can use mobile app of the banks or connectIPS to transfer funds to India up to the allowed transaction limit.
2. For India to Nepal transfer, both Indian and Nepali citizens can send funds to Nepal through applications of participating bank and non-bank TPAP.
3. For sending and receiving funds, the sender and recipient must provide a one-time consent for cross-border transfers.

What are the Transaction Limits?

Which channels are allowed to initiate such P2P cross border transfer?

Sending Money from Nepal

1. For transfer from Nepal to India, users can initiate transfers through:

Sending Money from India

For transfer from India to Nepal, users can initiate transfers through:

Current Participating BFIs

Following BFIs and apps are currently ready in Nepal

Following banks and apps are currently ready in India

How to Send Money from Nepal to India?

Follow these simple steps:

Step 1: Log In Open your Mobile Banking App or connectIPS App and log in.

Step 2: Enable Cross-Border Service If you are using the service for the first time, provide the required cross-border transfer consent.

Step 3: Select Cross-Border Fund Transfer Choose: Fund Transfer → Cross-Border Fund Transfer

Step 4: Enter Beneficiary Details Provide necessary beneficiary and other details as required.

Step 5: Enter Transfer Amount Input the amount in Nepalese Rupees. The equivalent amount in Indian Rupees will be displayed automatically before confirmation.

Step 6: Authenticate the Transaction Verify the details and authorize the transaction using Transaction PIN and/or OTP

Step 7: Receive Confirmation Once processed successfully, you will receive an instant transaction confirmation notification.

Service Charges

A flat fee of NPR 240 is applicable per Nepal-to-India transaction.

For India-Nepal transfer, you may have to check the respective bank or app in India.

For the latest list of participating institutions, limits, and service updates, please visit the NCHL website or contact your bank or payment service provider.