National, 20th August, 2026: Raksha Bandhan remains an important occasion in India’s festive calendar, marked by the exchange of gifts and the coming together of families. While the sentiment behind the celebration remains unchanged, consumer behaviour around the occasion has evolved, with gifting increasingly extending beyond traditional categories to include personalised products, lifestyle purchases and experiences.
This evolution is also reflected in how consumers plan their festive spending. Purchases around Raksha Bandhan can range from gifts and online shopping to travel and dining, creating a need for payment options that offer greater flexibility alongside the convenience of digital payments.
As festive spending picks up around Raksha Bandhan, BharatPe Flex enables eligible users to access up to INR 60,000 in 60 seconds for UPI spends, subject to applicable eligibility criteria and terms and conditions. BharatPe’s Credit-on-UPI solution allows eligible users to make UPI payments using a pre-approved credit line across eligible UPI merchant touchpoints. With up to 45 days of interest-free credit and flexible repayment options, BharatPe Flex combines the convenience of UPI with the flexibility of digital credit, giving consumers greater choice in managing planned and everyday spends during the festive season.
Key benefits of BharatPe Flex:
- Credit-on-UPI: Make payments using a pre-approved credit line across eligible UPI merchant touchpoints.
- Up to 45 days of interest-free credit: Get additional time to manage repayments, subject to applicable terms and conditions.
- Flexible repayments: Repay in full or convert eligible spends into EMIs, based on applicable terms.
- Wide UPI acceptance: Make payments across eligible merchant QR codes and online transactions.
- Rewards on eligible payments: Earn rewards on eligible transactions through BharatPe UPI.
- Easy digital management: Track transactions, credit limit and repayment details digitally.
Getting started with BharatPe Flex
- Eligible users can get started through a simple digital onboarding process.
- Open the BharatPe app and select BharatPe Flex.
- Complete the digital onboarding and KYC process.
- Link the approved credit line with UPI and set up the UPI PIN.
- Start making payments using BharatPe Flex across eligible UPI merchants.
Festive Spending Meets Gold Investing
Festive occasions in India have traditionally been associated not only with spending and gifting, but also with gold, whether as a gift, a store of value or an investment. Building on this familiar association, Invest BharatPe, BharatPe’s digital investment platform, is offering new users 3% Free Gold, guaranteed, on their first investment. With investments starting at just ₹100 in 24K Gold, the offer gives new users an opportunity to begin investing in gold as part of their festive financial planning.
Together, BharatPe’s payments, credit and investment offerings reflect the changing ways in which consumers manage their finances. From making everyday and festive payments to accessing credit and exploring investment options, BharatPe continues to build digital financial solutions designed around the ever evolving needs of consumers.
