Due to increasing globalization and digitization, the trend of online banking and net banking has increased a lot. 

Digital banking, online payments, online shopping is very useful for buying and selling on e-commerce websites, but there are still some remote places where network connectivity is not stable and a lot of users are using feature phones. 

Therefore, with the help of offline UPI payments and offline QR code payments, payments can be made through UPI even on feature phones and remote places where there are network related issues. For this, you can make offline UPI payments using USSD code *99#. 

This will make offline UPI accessible and simple. It will promote financial inclusion. It is regulated by NPCI due to which safe transactions of money can be done. Almost most of the banks like SBI, HDFC, ICICI etc. are supporting this code. But it allows only limited transactions and it has also set a daily limit and above that there are normal charges.

To make this process secure, it is very important to keep your UPI PIN confidential and not share it with anyone. 

Financial literacy and digital literacy is very important. With the help of digital marketing, content marketing and various platforms like similar websites, competitor websites, review websites, recommendation websites etc. we can improve the product reputation, branding, promotions etc.

Transactions up to ₹5000 are allowed and a charge of Rs 0.50 has to be paid on each transaction for using this service.

PhonePe is also providing offline QR code and UPI 123pay voice based payment option which provides authentication and authorizes payments through interactive voice response system.

All this is being done to promote financial inclusion and promote digital literacy. Digital literacy means making everyone aware of new tools, technological developments and advancements related to digitalization.

The main goal of the National Payments Corporation of India is to make the digital consumers aware about digital transactions. You can also get accurate information about the USSD code *99# from its official website. 

You can also get other information by visiting the FAQs on its official website. You can get all the information related to digital transactions on its official website. 

The following list is given on the official website, under which the list of banks providing this code is given. You can get this list from here “https://www.npci.org.in/what-we-do/99/live-members”.

Only two telecom service providers i.e. MTNL and BSNL are providing this service. *99# was dedicated to the nation by the Honorable Prime Minister on 28 August 2014 as part of the Pradhan Mantri Jan Dhan Yojana.