Currently, UPI Lite comprises a mere 2-3% of total UPI transactions. UPI transactions rose 43% year-on-year (y-o-y) to a record Rs 14.1 trillion in value terms during April. IndusInd Bank consumer banking and marketing head Soumitra Sen believes that banks, payment service providers and the NPCI will have to drive its adoption through widespread customer and merchant awareness campaigns. Initially, eight banks adopted the UPI Lite feature. These were Canara Bank, HDFC Bank, Indian Bank, Kotak Mahindra Bank, Punjab National Bank, State Bank of India, Union Bank of India and Utkarsh Small Finance Bank. Since then, Axis Bank, Paytm Payments Bank, and Central Bank of India have also adopted UPI Lite at a time when the core infrastructure of several lenders has been burdened by a steady flow of digital transactions.