Karnataka Bank, in collaboration with Navi Technologies, has introduced a new credit line on the Unified Payments Interface (UPI) platform, marking a significant step in expanding digital lending services. This partnership enables customers to access instant credit directly through UPI, providing them with a more convenient and efficient way to manage short-term financial needs. The credit line feature will allow users to make UPI transactions even if they do not have sufficient balance in their bank accounts. Instead, they can draw from their approved credit limit, making it easier to handle emergencies or everyday expenses without delays. Karnataka Bank aims to enhance customer experience through seamless digital banking solutions, and this new service aligns with its strategy of leveraging technology to drive financial inclusion. Navi Technologies, a leading fintech company, brings its expertise in digital lending and credit management to the partnership, offering customers a smooth onboarding process and access to real-time credit decisions. This UPI-based credit line is expected to attract a wide user base, especially among tech-savvy consumers looking for quick and hassle-free credit options. The service reflects the growing trend of banks partnering with fintech firms to develop innovative financial products tailored to modern consumer needs.