The Reserve Bank of India (RBI) has granted permission for scheduled commercial banks to provide credit lines through the Unified Payments Interface (UPI). This regulatory move aims to enhance the accessibility and ease of credit for customers by leveraging the UPI platform. Allowing banks to offer credit via UPI will streamline the lending process and promote financial inclusion. It opens up opportunities for individuals and businesses to access credit conveniently, facilitating economic growth. The RBI’s decision underscores its commitment to fostering innovation in the financial sector and aligning with digital payment trends, ultimately benefiting consumers and contributing to the development of India’s digital economy.