The Reserve Bank of India (RBI) has allowed Small Finance Banks (SFBs) to provide pre-sanctioned credit lines through the Unified Payments Interface (UPI). This step is expected to enhance financial inclusion and expand access from this facility. The UPI Credit Line is a financial product aimed at making access to credit easier. Earlier, only scheduled commercial banks were allowed, and other banks such as SFBs, payment banks, and regional rural banks (RRBs) were excluded from these facilities. Banks provide pre-approved credit lines to individuals and small business. This credit can be used immediately for payments through UPI. Users can link their credit lines to their UPI ID using their registered mobile number and also each transaction is protected with a dedicated UPI PIN. This facility enables smooth transactions, promoting business growth and reducing barriers to credit access.