Archive · 26 Aug 2026
UPI@10: From Bank Queues to Instant Fee Payments
In the past, the writer had to go to a bank to pay college fees.
He had to stand in a queue and ask for a demand draft.
Then he had to take that draft to his college.
Today, he can pay his daughter’s fees with his mobile phone.
He uses UPI to complete the payment in a few seconds.
He does not need to visit a bank or use cash.
This shows how paying for things has become easier for him.
His experience illustrates the change brought by UPI.
The writer recalls visiting a bank and standing in line to obtain demand drafts for college fees.
The demand draft then had to be submitted to the educational institution.
Today, the writer can pay his daughter’s fees through UPI using a mobile phone.
The payment takes seconds and requires no bank visit, queue, demand draft or cash.
The writer presents this personal change as an example of UPI’s broader transformation of banking.
- Who
- The writer, first as a student and now as a father.
- What
- A personal comparison between paying fees through bank demand drafts and paying through UPI.
- When
- The earlier experience occurred when the writer was a student; the newer experience is described as happening today.
- Where
- The earlier payment involved a bank and an educational institution; the newer payment is made through a mobile phone.
- Why
- The writer uses the comparison to illustrate how UPI has changed everyday banking and payments.
- Payment method in the past
- Demand draft
- Payment method today
- UPI through a mobile phone
- Earlier process
- Visit a bank, stand in a queue, obtain a demand draft and submit it to the institution
- Current process
- Pay fees within seconds using a mobile phone
- Previously required
- A bank visit, queue and demand draft
- Currently avoided
- A bank visit, queue, demand draft and cash