Financial services company Navi announced two new UPI features, Reserve Pay and EV Recharge via Bharat Connect, at the Global Fintech Fest (GFF) 2025 today.

The company says Reserve Pay allows customers to block a specific amount in their account and enable multiple debits against it. The feature supports both RuPay credit cards and savings bank accounts, and reduces cash-on-delivery risk by allowing debits only upon delivery or fulfilment.

The company also introduced EV Recharge via Bharat Connect, which enables EV owners to top up their charging wallets directly through the Navi App. The integration leverages Bharat BillPay’s “Validate and Pay” framework.

 “By introducing innovations like Reserve Pay and EV Recharge, we’re delivering solutions that address real-world needs- from secure, flexible payment options to seamless energy top-ups for EV owners,” said Rajiv Naresh, MD & CEO of Navi Limited (formerly Navi Technologies Limited).

Both features will be introduced in phases across Android and iOS devices and will be available to all Navi UPI users over the coming days.

On October 7, Navi UPI launched biometric authentication at the Global Fintech Festival 2025, simplifying the onboarding for users. The company claims to be the first UPI app in India to introduce biometric-based payments at scale, allowing users to authenticate transactions using their phone’s fingerprint or face recognition, no PIN required.

Built on OS-native technology, biometric authentication enables faster UPI payments as users can now approve transactions directly on their devices, without needing to remember or enter a PIN each time. Since authentication happens within the phone’s secure environment, personal data never leaves the device -- making it one of the safest ways to pay.

The feature aims to reduce failed transactions, improve ease of use, and offer stronger protection against phishing and social engineering risks. Users can enable or disable biometric authentication anytime within the app.