MobiKwik Pocket UPI: All Features & How to Use It

MobiKwik, a leading digital payment platform, has introduced an innovative feature called Pocket UPI, which offers users an effortless and flexible way to manage their finances.

You can load funds into your wallet using various methods such as credit cards, debit cards, or UPI, including major card networks like RuPay, Visa, American Express, and Diners Club.

Unlike traditional bank transactions, Pocket UPI provides a seamless payment experience without any restrictions on the amount or frequency, allowing users to transact without worrying about daily limits.

Mobikwik Pocket UPI Limit: Rs. 2,00,000

Advantages of Pocket UPI

Pocket UPI offers several benefits to users:

  • Bigger Limit than UPI Lite: Users can add up to Rs. 2 lakh in comparison to UPI lite which just offers a limit of Rs. 2000
  • Convenience: Users can make UPI payments anytime, anywhere, even during bank downtimes.
  • Security: Funds are transferred from the Wallet, reducing the risk of compromised transactions and financial fraud.
  • Simplified Transactions: Users can consolidate multiple small transactions into a single Wallet, streamlining financial management.

How to Use Pocket UPI

1. Create a Wallet UPI ID

Start by creating your unique Wallet UPI ID on the MobiKwik platform.

2. Add Funds

Next, add funds to your MobiKwik Wallet using a debit card, credit card, or bank account.

3. Start Making Payments

Once your wallet is loaded with funds, you can start using the balance to make UPI payments conveniently.

Frequently Asked Questions

1. Does MobiKwik support UPI?

Yes, MobiKwik supports UPI through its Wallet UPI feature, enabling seamless payments directly from the MobiKwik Wallet.

2. Is wallet to UPI possible?

Yes, MobiKwik facilitates wallet to UPI transactions, allowing users to transfer funds from their MobiKwik Wallet to any UPI ID or bank account.

3. What is the transaction limit of MobiKwik UPI?

The MobiKwik Wallet UPI offers a transaction limit of up to Rs 1 lakh and a maximum balance limit of up to Rs 2 lakh, providing users with flexibility and convenience for their transactions.

4. Is MobiKwik Wallet UPI secure?

Yes, MobiKwik ensures the security of its Wallet UPI feature with robust encryption and authentication measures, providing users with a safe and secure payment experience.

5. How can I set up MobiKwik Wallet UPI on my account?

Setting up MobiKwik Wallet UPI is simple. Download the MobiKwik app, create an account or log in if you already have one, and follow the prompts to set up your Wallet UPI ID and link your bank account(s).


It is definitely worth trying! I’ve been using this for a month now and it works reasonably well.

The best feature is that it works for P2P transactions as well and wallet loading is supported by all networks.

Looks like UPI Lite with few modifications :roll_eyes:

This is not “few modifications”-

Difference UPI Lite Mobikwik Pocket UPI
Balance Limit Rs. 2000 Rs. 200000
Transaction Limit Rs. 500 Rs. 100000
Wallet Loading No Yes

Plus, its very useful to combine balances across multiple cards or banks!