Navi Expands UPI Utility with Reserve Pay and EV Recharge Features

Navi, the fintech platform founded by Sachin Bansal, has announced the launch of two new Unified Payments Interface (UPI) features: Reserve Pay and EV Recharge via Bharat Connect, aimed at expanding the scope of digital payments beyond person-to-person transfers. The announcement was made at the Global Fintech Fest (GFF) 2025, underscoring Navi’s focus on innovation in everyday financial transactions.

Reserve Pay: Secure and Flexible Payments

The Reserve Pay feature allows users to block a specific amount in their linked savings account or on a RuPay credit card, enabling multiple debits against the reserved amount at a later stage. This functionality ensures that funds are only deducted once a transaction is confirmed, improving security for consumers while offering merchants stronger payment assurance.Navi Expands UPI Utility

The feature is particularly useful for e-commerce, travel bookings, and subscription services, where payments can be completed after order confirmation. It also helps reduce the risks associated with cash-on-delivery transactions, a major concern for online retailers.

EV Recharge via Bharat Connect

The second feature, EV Recharge via Bharat Connect, enables electric vehicle owners to recharge their digital wallets directly through the Navi app. Built on the Bharat BillPay “Validate and Pay” framework, the feature supports real-time payments across EV charging networks, ensuring a seamless and interoperable experience for users.

According to the company, both features are being rolled out in phases for Android and iOS users. As per the news reports, Rajiv Naresh, Managing Director and CEO of Navi, said the new offerings reflect the firm’s commitment to developing secure, interoperable digital payment ecosystems that meet evolving consumer needs.

Read More: UPI Gets Smarter: Now Make Payments Instantly with Your Face or Fingerprint!

Conclusion

Navi’s latest UPI innovations align with the National Payments Corporation of India’s (NPCI) broader agenda to expand UPI into new use cases, including credit-linked, recurring, and mobility payments. By integrating features like Reserve Pay and EV Recharge, Navi is positioning itself at the forefront of India’s next phase of digital payment evolution.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.