Can't really confirm on the reliability. I've used UPI for ~3 years now, I don't remember it failing more than maybe 4-5 times. I guess it depends on the bank w

Can't really confirm on the reliability. I've used UPI for ~3 years now, I don't remember it failing more than maybe 4-5 times. I guess it depends on the bank whose UPI account you are using. Syndicate fails regularly, ICICI is almost always up. > 3) I find Bank transfer like NEFT more reliable than UPI. NEFT is great for occasional transfer of a large amount of money, but not for daily transactions as it requires a lot of info compared to UPI (it needs the receivers name, account number, IFSC code, branch name compared to UPI's singular <person>@<bank> id)