| App / channel | iMobile UPI, including ordinary UPI payments and a dedicated UPI Lite section on supported iMobile versions. | INDIE mobile banking UPI with Manage UPI, UPI ID/UPI Number, linked-account management, history and disputes. |
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| Registration | Link the eligible bank account in iMobile and complete the mobile/account verification plus UPI PIN setup. UPI Lite is separately enabled by selecting the bank account, adding value and authenticating setup with the UPI PIN. | Register UPI in INDIE and link a supported account; other banks’ UPI-enabled accounts can also be attached to the INDIE UPI handle. |
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| Authentication | Ordinary UPI uses the UPI PIN. Eligible UPI Lite payments up to ₹1,000 are made without entering the UPI PIN after Lite has been funded/activated. | UPI transactions use the UPI security/PIN flow. General INDIE app authentication and non-UPI transfer controls are not treated as substitutes for the UPI PIN rules. |
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| Standard limits | ICICI’s NRI UPI page currently states ₹1 lakh/day for its international-mobile UPI flow. The engine does not convert that NRI statement into a universal resident iMobile cap where the reviewed resident FAQ does not give an equally scoped single figure. | Up to ₹1 lakh cumulatively via up to 10 transactions to non-merchant accounts daily; up to ₹2 lakh cumulatively to specific merchants daily under the current INDIE FAQ. |
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| Security cooling | Current NRI/international-mobile ICICI UPI guidance states ₹5,000 for the first 24 hours on Android and 72 hours on iOS after creation of a new UPI ID/VPA; this is stored as NRI-flow evidence, not generalized beyond its source scope. | First 24 hours after UPI registration: up to ₹5,000 cumulatively via up to five transactions across both non-merchant and merchant payments. |
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| UPI Lite | ICICI current FAQ: ₹1,000 per transaction, ₹10,000 cumulative usage per day and ₹5,000 maximum Lite balance. No additional KYC; Auto Top-Up is available; Lite excludes UPI International, AutoPay and Collect. | Current system-level UPI Lite limits are tracked separately at ₹1,000 per eligible payment and ₹5,000 maximum stored balance. A bank-specific INDIE Lite implementation is not asserted here unless the current bank channel explicitly documents it. |
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| RuPay credit-card UPI | Eligible RuPay credit-card UPI should be evaluated as a separate card-funded merchant-payment state. NPCI prohibits P2P/P2PM/card-to-card/cash-withdrawal flows for linked RuPay credit cards and applies the lowest issuer-risk/card/customer limit. | RuPay credit-card-on-UPI is a separate eligible card-funded merchant flow under NPCI/issuer controls; this INDIE account-UPI profile does not infer that every linked bank/card is eligible. |
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| AutoPay / mandates | ICICI’s UPI Lite explicitly excludes AutoPay; recurring UPI therefore remains an ordinary UPI AutoPay mandate layer with separate authorization/control rules. | UPI AutoPay remains a separate recurring-payment authorization layer. INDIE also has biller AutoPay functions, which are not assumed to be identical to UPI AutoPay unless the payment rail is identified. |
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| Failure / recovery | On device change, ICICI instructs users to close the existing UPI Lite account so its balance is transferred back to the linked bank account before opening Lite on the new device; failed Lite debits have a documented refund/support path. | UPI history and disputes are available in INDIE. Re-registration/security changes can alter temporary app limits, so UPI cooling and general fund-transfer cooling are stored separately. |
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