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UPI for Feature Phones from RBI

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On Tuesday, the Reserve Bank of India (RBI) announced UPI123Pay, a new digital payment option for feature phones based on the Unified Payments Interface (UPI). The UPI system has so far been restricted to smartphones with internet access. India’s mobile phone population is estimated to be at 180 million. 78 crore of these people have smartphones, while the remaining 78 crores have feature phones. Due to the phone they use, tens of thousands of users have been unable to do UPI transactions. The central bank of India introduced this new payment mechanism to incorporate all such users and bring them into the mainstream of digital payments.

“UPI123Pay would enable NPCI to accomplish its goal of a billion or more daily UPI transactions,” said Biswamohan Mahapatra, head of the National Payments Corporation of India (NPCI), the country’s umbrella organization for retail digital payments.

Working of UPI on Feature Phones?

Users will be able to conduct UPI transactions on feature phones using UPI 123Pay. Except for the scan and pay UPI option available for smartphones, consumers will be able to use all other functionalities. Transactions with the new digital payment mode don’t require an internet connection. To utilize the UPI 123Pay service, people must link their bank accounts to their feature phones. People with feature phones can now use the UPI 123Pay option for a variety of payments, from person to person to the merchant. UPI 123Pay would employ Hindi and English as their primary languages at first.

“We feel that the novel functions available on feature phones would give UPI a boost in many geographies across the country, transforming the way payments are perceived,” Mahapatra said.

UPI: India’s Most Popular Payment Method

In recent years, UPI has become one of India’s most popular payment methods. UPI is the country’s single largest retail payment system in terms of transaction volume.

“A substantial portion of digitalization is limited to people with smartphones, notwithstanding our tremendous growth in digital payments.” “About 40 crore feature phone users had limited access to digital payments,” said T Rabi Sankar, deputy governor of the Reserve Bank of India. He stated that the goal is to attract a significant number of feature phone users into the UPI payment system.

“To further popularise the usage of digital payments, a framework for retail offline payments across the country has been proposed.” This announcement has its roots in a series of successful pilot studies. The results of these experiments strongly suggest that there is more leeway for digital payment-related solutions, particularly in rural areas. According to Nitin Mathur, CEO of Tavaga Advisory Services, “the RBI is enthusiastic about expanding the ease of doing business in India as well as more innovative fintech prospects to capitalize on” as a result of this development.

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Commercial vs. Canopy: Almond Tree in Vashi Illegally Hacked Again for Hoarding Visibility

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Local environmentalists and nature lovers in Vashi are expressing deep outrage after an almond tree next to Ganesh Tower was illegally pruned yet again. The recent mutilation saw the top portion of the tree ruthlessly chopped off for a recurring and obvious motive: to clear the line of sight for a commercial advertising hoarding situated directly behind it.

According to local social activists, this environmental sabotage is part of a calculated, multi-year pattern. The tree was first targeted and illegally pruned in January 2023, precisely one month before the new billboard advertisement was installed. Ever since, the tree has been repeatedly hacked back by unidentified actors whenever its growing branches and leaves begin to obstruct the commercial display.

The chronic defacement has triggered significant public backlash. Nature lovers previously staged a public demonstration at the Vashi site to protest the ongoing destruction. Following the latest incident, activists lodged a fresh complaint with the garden department of the Navi Mumbai Municipal Corporation (NMMC).

While the civic body had previously filed a First Information Report (FIR) regarding the illegal tree cutting, the practice has continued unabated. The Vashi ward office has confirmed it is currently looking into the latest complaint to identify the violators and take necessary legal action.

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Tragedy Turns to Hope: Brain-Dead Vashi Woman Saves Three Lives Through Organ Donation

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In a deeply moving gesture amidst immense personal tragedy, the family of a 22-year-old woman from Vashi Gaon has given a new lease on life to three critically ill patients by consenting to organ donation.

The woman, identified as Madhuri Vijay Jaiswal, was rushed to MGM New Bombay Hospital in Vashi following an alleged suicide attempt by hanging. Although family members administered CPR and doctors managed to restore her heartbeat after prolonged resuscitation, severe oxygen deprivation had already caused irreversible brain injury. Following standard medical protocols, doctors officially declared her brain stem dead after conducting two mandatory apnea tests.

Faced with the heartbreaking news, the hospital’s transplant team counseled the family about the possibility of saving other lives. Madhuri’s father, Vijay Jaiswal, along with other family members, bravely consented to the noble cause. On July 17, a team of surgeons successfully retrieved her heart, liver, and both kidneys, which were immediately allocated to waiting transplant recipients.

The Vashi Police have completed all necessary legal formalities. In his official statement to the authorities, the grieving father stated that he holds no suspicion or complaints against anyone regarding his daughter’s death. Thanks to the family’s selfless decision in their darkest hour, three families have found a renewed sense of hope.

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Navi Mumbai Cyber Cell Busts Fake Insurance Call Center In Mahape

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Mahape Racket Busted After Defrauding Vehicle Owners of Rs 88 Lakh Nationwide

The Racket

In a major crackdown on cyber fraud, the Navi Mumbai Cyber Police and Crime Branch have busted a sophisticated fake call center operating out of a tech park in Mahape. The scam, which had been running since April 2025, defrauded vehicle owners across the nation of over Rs88 lakh by offering fraudulent motor insurance renewals.

The operation was uncovered after investigators analyzed 145 complaints registered on the National Cyber Crime Reporting Portal (NCCRP). By tracing the fraudulent SIM cards used in the scam, the cyber team pinpointed the IT park location. The masterminds targeted citizens by posing as legitimate insurance executives, collecting premiums for policy renewals, and then severing all contact without issuing actual policies.

Three key suspects identified as Prasad Todankar, Vaibhav Ingle, and Fayaz Abbas Nasir have been arrested in connection with the racket. Furthermore, the police have served legal notices to 32 tele-calling agents employed at the center. During the raid, authorities seized a massive cache of digital evidence, including 26 mobile phones, 27 computer hard disks, 5 laptops, and 8 active SIM cards used to execute the calls.

Senior officials have urged vehicle owners to remain vigilant against unsolicited insurance offers. Citizens are advised never to share sensitive bank details or OTPs over the phone. Any suspicious financial activity should be reported immediately to the National Cyber Crime Helpline at 1930.

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