In today’s digital age, online payments have become a part of our everyday life. UPI (Unified Payment Interface) has made sending money, paying bills, and shopping much easier and faster. To encourage digital transactions across the country, the government has launched several schemes, and one such attractive initiative is the UPI Cashback Scheme 2025.
This scheme offers users a golden opportunity to earn up to ₹625 cashback every month. It is specially designed for people who frequently use UPI apps like Google Pay, PhonePe, Paytm, BHIM, and others. With this scheme, not only do your transactions become convenient, but you also get rewarded for them.
What is UPI Cashback Scheme?
The UPI Cashback Scheme is currently active in collaboration with selected banks like DCB Bank, which offers special accounts such as the Happy Savings Account. Under this account, every successful UPI transaction made by the customer qualifies for cashback. The maximum cashback amount you can receive in a month is ₹625, which is directly credited to your bank account.
Additionally, this account provides free banking services such as RTGS, NEFT, and IMPS with no extra charges, making it a great choice for digital users.
Key Conditions and Benefits
To avail the benefits of this scheme, users must meet some basic requirements:
- Maintain an average quarterly balance of at least ₹25,000.
- Each debit transaction must be a minimum of ₹500.
- Cashback is applicable only on UPI transactions.
- The cashback amount is credited quarterly, allowing you to earn up to ₹7,500 annually.
This scheme encourages users to adopt cashless payment methods and rewards them for every eligible transaction they make.
Why was this Scheme Introduced?
The government launched this scheme to promote the Digital India Mission and encourage people in rural and semi-urban areas to shift from cash to digital payments. As per 2025 data, UPI usage has grown rapidly, and schemes like this are helping to make digital payments more popular and rewarding.
How to Apply?
To join the scheme, open a special account with participating banks, submit necessary documents like ID and address proof, and maintain the required balance. Most banks offer mobile and online banking for a smooth onboarding experience.
Conclusion
The UPI Cashback Scheme 2025 is a great way to save money while promoting digital transactions. If you are a regular UPI user, make sure to take advantage of this offer and enjoy monthly cash