Online Lottery Sites That Accept UPI Deposits

With the payment method UPI, you can transfer money to an online lottery site in India instantly and start playing immediately. Being a resource, it is compatible with multiple apps and wallets, which expand your possibilities in terms of deposits and withdrawals. 

Its use is getting extremely popular because, aside from being fast and readily available, it is safe and backed by the National Payments Corporation of India (NPCI). But first, you need an online lottery site that accepts UPI deposits, and we selected a few of them.

Best Lottery Sites With UPI Payments

Among the top lottery sites in India that we have tested and approved, there are great options compatible with UPI deposits and, depending on the case, withdrawals as well. Find them in our list below and scroll down to learn more details about their UPI payment methods.

  • LottoSmile: Best selection of online lotteries with UPI with low minimum deposit.
  • Lotto Agent: Biggest array of payment methods compatible with UPI deposits.
  • Lottofy: Great promotions and affordable minimum UPI deposit.

LottoSmile: Largest Catalog of Lotteries

Up to 25% Off Real Tickets
  • Almost 60 lotteries
  • Real ticket service
  • Big discounts

LottoSmile Largest Catalog of Lotteries

  • Minimum Deposit: ₹ 350
  • Processing Time: Instant
  • Methods Compatible With UPI: JioMoney, MobiKwik, Ola Money, Paytm
  • UPI Withdrawal: Yes
  • Compatible With INR: Yes
  • Fees: No

LottoSmile is the Indian version of theLotter, adapted to our public in many spheres, including UPI payments. Once registered and logged in, you have access to about 60 international lotteries and can deposit by simply tapping on “Deposit” and choosing one of the UPI methods. Check out more details on our LottoSmile review.

Deposit Now With LottoSmile

Lotto Agent: Best Selection of UPI Deposit Methods

Buy 1 Get 1 Free Lottery Ticket
  • Hindi language
  • Lottery agent and betting site
  • 30+ lotteries

Lotto Agent Best Selection of UPI Deposit Methods

  • Minimum Deposit: ₹ 1,150
  • Processing Time: Instant
  • Methods Compatible With UPI: UPI, GPay, MobiKwik, Paytm, PhonePe
  • UPI Withdrawal: Yes
  • Compatible With INR: Yes
  • Fee: 4% on Withdrawals (Paytm)

Lotto Agent has a great selection of payment methods that allow you to deposit and withdraw via UPI in the case of Paytm. As described in our Lotto Agent review, the process of depositing is quite straightforward. By picking one of the UPI deposit methods on the “Deposit” menu, you fund your account to start playing the lottery. The minimum deposit is a bit higher, and you need to decide between betting on lottery results or buying official tickets. Keep in mind, however, that there are fees upon UPI withdrawals.

Deposit With UPI on Lotto Agent!

Lottofy: Get Two Free Bets

Buy 1 Get 2 More Lottery Bets Free
  • Accepts INR
  • Free bets and deposit bonuses
  • Local payment methods


  • Minimum Deposit: ₹ 180
  • Processing Time: Instant
  • Methods Compatible With UPI: UPI, Paytm, Bhim Pay, PhonePay
  • UPI Withdrawal: Yes
  • Compatible With INR: Yes
  • Fees: No

Lottofy offers a great combination of being compatible with our INR currency and four different ways of depositing through UPI. It also has UPI withdrawal with no charges or commissions, and you can benefit from a bonus and free bets upon your first deposit and purchase.

Deposit From Only 180 Rs on Lottofy!

How to Set Up a UPI in Your Bank?

UPI deposits and payments are all carried out based on UPI ID, which is a virtual payment address (VPA) to receive money. With it, you can make transactions much faster while preserving your bank details to yourself.

Visual illustration on UPI technology

Setting up a UPI ID to be able to deposit and withdraw on online lottery sites is simple:

  1. First of all, you need an account on a bank or payment processing system that is compatible with UPI. Two good examples are Paytm and BHIM. Some are just intermediates for transactions, while others have a wallet, but that is a matter of preference.
  2. Register your cell phone and your bank account, which should also be linked to the same phone for security purposes.
  3. You need to set up a UPI PIN, which you will be requested every time, so make sure it is something easy to remember.
  4. Your bank account is now connected to the UPI ID. You can transfer money instantly with it!

How to Deposit With UPI on Lottery Sites?

Depositing with UPI is as simple as using an e-wallet and is definitely much simpler than trying a traditional bank transfer. You only need to follow these steps:

  1. Choose the deposit option on one of the UPI lottery sites.
  2. Determine the value that you wish to deposit into your lottery account.
  3. Pick “UPI” or the app that you have connected with UPI on your phone.
  4. Enter your UPI ID to identify where the payment will come from.
  5. Confirm the transaction on your app with your registered PIN.

This process can be done more than once whenever you need to deposit funds into your lottery account.

How to Withdraw With UPI on Online Lottery Sites?

How you are going to withdraw on online lottery sites that accept UPI depends on your deposit choice. If you chose a general UPI option or if you deposited with a method that only transfers money, you may withdraw with UPI as well:

  1. Open your account with lottery winnings and go to “Withdrawal”.
  2. Find the same payment method you used to deposit with UPI.
  3. Proceed with your UPI identification once more, as well as the total value you wish to withdraw.
  4. Conclude the transaction and wait for the payment approval by the website.

If the method you used to deposit via UPI is not among the options to withdraw, you will be required to withdraw via traditional bank transfer. In that case, be ready to share regular bank details for the transaction to be completed and up to 7 business days for the transfer to occur.

Pros & Cons of UPI on Lottery Sites

So far, there are no payment methods with no cons when it comes to depositing and withdrawing on lottery sites. Before choosing to go for UPI, we elected relevant pros and cons that you should consider.

Instant deposits and withdrawals.Not all UPI methods will be available for withdrawals.
No extra charge for making payments.The initial process of setting up can be annoying.
Available on the best lottery sites.Maximum of ₹ 1 Lakh per transaction, normally up to 10 transactions a day.
Compatible with low minimum deposits. 
Completely safe and convenient at all hours. 

From our experience playing on online lottery sites with UPI deposits, the pros are still tempting. Whenever you win big, simply opt for a bank transfer rather than UPI withdrawals to be able to withdraw large amounts and not be affected by the daily limit.

UPI Deposits Vs. Other Payment Methods

Knowing that online lottery sites that accept UPI deposits also have other tempting payment methods, we decided to compare them. Through our table, you can finally figure out if deposits with UPI are your go-to choice for playing online lotteries:

MethodDeposit TimeWithdrawalWithdrawal TimeFees
UPIInstantYes (*)InstantNo
Credit CardInstantNoYes, if not INR
Debit CardInstantNoNo
Bank TransferUp to Few HoursYes3-7 Business DaysVaries
CryptocurrencyInstantYesInstant to Few MinutesYes

(*) Depending on the UPI method, withdrawals may have to be processed via bank transfer.

Therefore, e-wallets are the option that gets closer to UPI, but most of them apply fees to transactions. Considering the safety and speed of UPI, as well as the fact that it does apply fees – some lottery sites may have commission fees of their own – it is possibly your best pick to play the lottery.

The only negative trade-off is the fact that withdrawals are quite limited in terms of total transactions and value, especially for lottery jackpots. Therefore, in that case, you should be willing to wait more time for withdrawals to be carried out via traditional bank transfers.


Yes. Despite the RBI’s (Reserve Bank of India) action on Paytm, it will continue to offer UPI deposits through other banks.

The smallest minimum deposit you can find is ₹ 180 on Lottofy.

Lottofy, LottoSmile, and Lotto Agent all have methods compatible with withdrawing via UPI.

No, there are no fees to deposit with UPI. If you find a lottery site charging fees for that, prefer to pick one of the sites that we recommend here.

The deposit should be instant unless something goes wrong in the process.

Yes, you can only withdraw ₹ 1 lakh per transaction and up to 10 transactions a day.

As long as the online lottery site accepts UPI, you can use the money you transferred to play any lottery it offers.