As the National Payments Corporation of India's (NPCI) moves to link credit cards to unified payment interface (UPI), its earlier attempt of linking the overdraft (OD) facility to UPI in 2018 is in focus.
In August 2018, under the UPI 2.0 programme, the RBI allowed the OD facility to be linked to UPI. This was aimed at allowing customers to use a line of credit on UPI, just like how linking credit cards to UPI is being considered today.