Core Viewpoint - The State Bank of India (SBI) has announced a scheduled maintenance activity affecting its digital banking services, advising customers to utilize ATM and UPI Lite services during this period [1][13]. Group 1: Scheduled Maintenance - SBI's maintenance activity is set for October 25, 2025, from 1:10 AM to 2:10 AM (IST), during which services like UPI, IMPS, YONO, Internet Banking, NEFT, and RTGS will be unavailable [1][13]. - The maintenance was initially scheduled for October 24, 2025, but was postponed to the following day [1][13]. Group 2: UPI Lite Overview - UPI Lite is a payment solution designed for low-value transactions under ₹1,000, allowing for faster and pinless payments [6][12]. - The UPI Lite balance is treated as cash, and users are responsible for the balance loaded in their UPI Lite account [6][12]. Group 3: Activation and Usage of UPI Lite - Customers can activate UPI Lite through the BHIM SBI Pay app by loading funds into the UPI Lite section [2][8]. - UPI Lite transactions do not appear on bank statements as they are deducted directly from the wallet, with only the wallet load amount visible [4][5]. - No UPI PIN is required for UPI Lite transactions, facilitating quick low-value payments [5][12]. Group 4: Limits and Withdrawals - The per transaction limit for UPI Lite is ₹1,000, with a cumulative daily usage limit of ₹10,000 and a maximum balance of ₹5,000 in the UPI Lite account [10][12]. - Users can withdraw any amount from their available UPI Lite balance using the 'Transfer Out' functionality without disabling UPI Lite [11][12].

Core Points - The State Bank of India (SBI) announced that several of its services will be temporarily unavailable due to scheduled maintenance after midnight on October 11 [1][2][3] - The affected services include SBI UPI, IMPS, YONO, Internet Banking, NEFT, and RTGS, which will be down from 1:10 am to 2:10 am IST [3][4] - Customers are advised to use ATM and UPI Lite services during the downtime, as UPI Lite will remain operational [4][5] Service Impact - SBI UPI services will be unavailable for one hour, specifically from 1:10 am to 2:10 am IST on October 11, 2025 [3] - Other services impacted include IMPS, YONO, Internet Banking, NEFT, and RTGS, which will also be down during the same period [2][3] Customer Guidance - Customers planning online transactions during the downtime are encouraged to use ATM services or carry cash [4] - SBI has acknowledged previous issues with UPI services and has urged customers to utilize UPI Lite for uninterrupted service [5][6]

Core Insights - State Bank of India (SBI) is working to enhance the Know Your Customer (KYC) process to be more seamless, efficient, and digital-first, as stated by Chairman CS Setty [1] - The bank aims to simplify KYC processes as millions of new customers join the formal banking system [1] KYC and Digital Banking - SBI is engaging with regulators and the government to streamline the KYC and re-KYC processes [1] - The bank has a customer base exceeding 520 million [1] Credit Accessibility - SBI is exploring credit availability for farmers through Kisan Credit Cards (KCC), emphasizing that financial inclusion is incomplete without reaching the last mile [2] - The bank believes that credit access through UPI can be as seamless as digital payments [3] Use of Technology - Predictive AI models are being utilized to offer pre-approved small-value loans to millions of customers, although the challenge lies in collections rather than disbursal [3] - The YONO mobile app will be available in 15 languages, enhancing banking accessibility for diverse customer demographics [3][4] User Engagement - The YONO app has over 90 million registered users, ensuring inclusivity regardless of geography, income, or digital literacy [4]