Rediff Returns to Fintech: NPCI Clears Rediff Pay UPI App; Here's What Users Need to Know

India's fast-growing digital payments space is soon going to welcome a new player. Rediff.com India has officially entered the UPI ecosystem with Rediff Pay, a homegrown digital payments app.

Rediff Pay Gets NPCI Approval

Rediff.com India Ltd, a subsidiary of Infibeam Avenues, announced that it has received final approval from the National Payments Corporation of India (NPCI) for its Third-Party Application Provider (TPAP) licence. This approval clears the way for Rediff Pay to operate as a full-fledged UPI app in India.

As of December 28, 2025, Rediff Pay has entered the Closed User Group (CUG) testing phase, which is a mandatory step before a public rollout. Once testing is completed successfully, the app is expected to be launched for all users.

What Is Rediff Pay?

Rediff Pay is India's first fully Indian-owned UPI app with NPCI TPAP approval. Unlike several existing UPI platforms backed by foreign or multinational players, Rediff Pay is entirely owned and operated by Indian entities.

The app is designed not just for payments but also to encourage saving, investing, and responsible use of credit, especially among first-time and underserved users.

Core Features of Rediff Pay

At its core, Rediff Pay will offer all standard UPI services that users are familiar with, including:

Peer-to-peer money transfers
Merchant payments via UPI QR codes
Utility bill payments and mobile recharges

In addition, the app plans to differentiate itself through financial wellness tools. These include curated access to equity investments, mutual funds, fixed deposits (FDs) and recurring deposits (RDs).

A key highlight is the credit line on UPI, which will allow users to make merchant payments of up to Rs. 1 lakh and cash withdrawals of up to Rs. 10,000 per day, subject to eligibility.

Focus on Inclusion and Tier-2, Tier-3 Users

Rediff Pay will support multiple Indian languages, with a clear focus on users in Tier-2 and Tier-3 cities. The company says this approach is mainly targeted at improving financial inclusion by making digital payments and basic financial products easier to understand and access.

For banking infrastructure, Axis Bank will act as the PSP (Payment Service Provider) bank for the app.