Best UPI Betting Sites India 2026
Paytm, PhonePe & Google Pay deposits with fast INR withdrawals
Last updated: 15 January 2026
UPI is India’s preferred payment method — instant, free, and linked to your bank. Finding betting sites that actually work with Paytm, PhonePe, and Google Pay requires knowing which offshore platforms have reliable payment processors. We have tested deposits and withdrawals on every major site to identify those with consistent UPI success rates, fast payouts, and no hidden fees. These sites do not deduct GST (28%) or TDS (30%) — your winnings stay intact.
Best UPI Betting Sites Compared
| Site | Min Deposit | Withdrawal Time | Welcome Bonus | Strength |
|---|---|---|---|---|
| Parimatch | 200 INR | 1-6 hours | 150% up to 30,000 INR | Best UPI experience |
| 4rabet | 100 INR | 1-4 hours | 200% up to 20,000 INR | Fastest withdrawals |
| 1win | 300 INR | 2-6 hours | 500% up to 75,000 INR | Biggest welcome bonus |
| 1xBet | 75 INR | 15 min - 24 hours | 100% up to 10,000 INR | Most betting markets |
| Dafabet | 100 INR | 1-24 hours | 100% up to 16,000 INR | Best cricket exchange |
| Paripesa | 100 INR | 1-24 hours | 130% with code MAXIMUS | Wide IPL markets |
Top UPI Betting Sites
All sites below accept UPI deposits via Paytm, PhonePe, and Google Pay. Withdrawals go directly to your bank account.
How UPI Works on Betting Sites
International betting sites cannot directly integrate with NPCI (UPI’s governing body). Instead, they use third-party payment processors that act as intermediaries.
The flow:
- You select UPI/Paytm in the deposit section
- A payment request appears from a merchant (often a generic business name)
- You approve the payment in your UPI app
- Funds are credited to your betting account (usually instantly)
For withdrawals:
- Enter your bank account details or UPI ID
- The site processes a bank transfer to your account
- Funds arrive in 1-24 hours depending on the site
This indirect routing is why some transactions occasionally fail — bank filters may block certain merchant codes. If one attempt fails, try a different UPI app or different bank.
Site-by-Site UPI Guide
Parimatch — Best Overall UPI Experience
Parimatch
Most reliable UPI processor
- Min deposit: 200 INR
- Withdrawal speed: 1-6 hours
- Bonus: 150% up to 30,000 INR
- Why we recommend: Highest UPI success rate in our testing. Dedicated India support team. Fast payouts. Use code MAXIMUS for 130% bonus on Paripesa (sister site).
Parimatch has invested heavily in Indian payment infrastructure. Their UPI processor has the highest success rate we have seen — deposits rarely fail, even during peak IPL hours. Withdrawals consistently arrive within 6 hours.
4rabet — Fastest Withdrawals
4rabet
1-4 hour payouts
- Min deposit: 100 INR (lowest)
- Withdrawal speed: 1-4 hours
- Bonus: 200% up to 20,000 INR
- Why we recommend: Fastest withdrawals in the industry. Low minimum deposit. Strong cricket markets. The app is lightweight and works well on older phones.
4rabet is the speed champion. We have received withdrawals in under 2 hours during testing. The 100 INR minimum deposit makes it accessible for casual bettors testing the waters.
1win — Biggest Welcome Bonus
1win
500% bonus up to 75,000 INR
- Min deposit: 300 INR
- Withdrawal speed: 2-6 hours
- Bonus: 500% up to 75,000 INR (split across 4 deposits)
- Why we recommend: The 500% welcome offer is the largest in India. Solid UPI support. Good live betting interface. Note: Bonus has 5x rollover requirement.
1win trades slightly slower payouts for a massive welcome bonus. If you are depositing a larger amount and can meet the rollover, this is the best value proposition.
1xBet — Most Markets + Lowest Minimum
1xBet
75 INR minimum + 1000+ markets
- Min deposit: 75 INR (lowest in industry)
- Withdrawal speed: 15 minutes - 24 hours (variable)
- Bonus: 100% up to 10,000 INR
- Why we recommend: Unmatched market depth — over 1,000 betting options per IPL match. 75 INR minimum lets you start with almost nothing. Withdrawal speed is inconsistent but usually same-day.
1xBet is for serious bettors who want exotic markets (top batsman, over-by-over runs, player props). The UPI experience is good, though payout times vary more than competitors.
Dafabet — Best for Exchange Betting
Dafabet
Cricket exchange + best odds
- Min deposit: 100 INR
- Withdrawal speed: 1-24 hours
- Bonus: 100% up to 16,000 INR
- Why we recommend: Only major site with a proper cricket betting exchange (Betfair-style back/lay). Exchange odds are typically 5-10% better than sportsbook odds. Established brand since 2004.
Dafabet appeals to sharp bettors who understand exchanges. You can lay bets (bet against outcomes) and often find better odds than traditional bookmakers. UPI works well for both deposits and withdrawals.
Why Offshore Sites Don’t Deduct GST/TDS
A major advantage of international betting sites: no tax deductions.
Indian platforms (Dream11, etc.):
- 28% GST deducted at source
- 30% TDS on net winnings
International betting sites:
- No GST (not subject to Indian goods and services tax)
- No TDS withheld (offshore jurisdiction)
Does this mean winnings are tax-free? Legally, you should declare gambling winnings as “income from other sources” when filing taxes. In practice, offshore winnings are rarely tracked by Indian authorities. The responsibility is on you — but no automatic deduction occurs.
For full details on betting legality in India, see our legal guide.
Troubleshooting UPI Payments
If Your Deposit Fails
- 1 Try a different UPI app — Switch from Paytm to PhonePe or Google Pay. Different apps route through different merchant codes.
- 2 Use a different bank — PSU banks (SBI, PNB) often block gambling transactions. Private banks (ICICI, HDFC, Axis) typically work better.
- 3 Check your daily UPI limit — Most banks cap UPI at 1 lakh INR/day. Large deposits may fail if you are near the limit.
- 4 Wait and retry — Payment processors occasionally go down. Wait 15 minutes and try again.
- 5 Use crypto as backup — Sites like Stake accept Bitcoin/USDT with instant deposits and no bank involvement.
If Your Withdrawal Is Delayed
Withdrawals typically take 1-24 hours. If longer:
- Check your email — The site may have requested verification documents (KYC)
- Contact support — Live chat usually resolves withdrawal queries quickly
- Verify bank details — Incorrect IFSC codes or account numbers cause delays
- First withdrawal takes longer — Initial payouts often require manual review
UPI vs Other Payment Methods
| Method | Deposit Speed | Withdrawal Speed | Fees | Notes |
|---|---|---|---|---|
| UPI (Paytm, PhonePe) | Instant | 1-24 hours | Free | Best for most users |
| Crypto (BTC, USDT) | 10-30 min | 10-60 min | Network fees | Fastest overall, no bank involvement |
| Bank Transfer (IMPS/NEFT) | 1-4 hours | 1-48 hours | Free | Backup option if UPI fails |
| Debit/Credit Card | Instant | 3-5 days | Often blocked | Indian cards frequently declined |
| E-wallets (Skrill, Neteller) | Instant | 1-24 hours | 1-3% fees | Requires e-wallet account setup |
Our recommendation: Start with UPI. If transactions fail consistently, create a crypto wallet (Binance, WazirX) and use USDT for the smoothest experience. For crypto-focused sites, see Stake or BC.Game.
Which UPI Betting Site Should You Choose?
For Reliability → Parimatch
Highest UPI success rate, consistent withdrawals, strong India support.
For Speed → 4rabet
Fastest withdrawals (1-4 hours), lowest minimum deposit (100 INR).
For Bonuses → 1win
500% welcome bonus (largest in India), good UPI support.
For Market Depth → 1xBet
1000+ markets per match, 75 INR minimum, prop bets and exotics.
For Best Odds → Dafabet
Cricket exchange with back/lay options, typically 5-10% better odds.
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UPI Betting Sites FAQ
Can I use UPI for betting in India?
Yes. International betting sites accept UPI payments through third-party processors. You deposit to a merchant account that forwards funds to the bookmaker. Major sites like Parimatch, 4rabet, and 1win all support this method.
Which betting site has the fastest UPI withdrawals?
4rabet processes UPI withdrawals in 1-4 hours, among the fastest in the industry. Parimatch and 1win also offer same-day payouts. Withdrawals go directly to your UPI-linked bank account.
Is Paytm accepted on betting sites?
Yes. Most UPI betting sites accept Paytm, PhonePe, Google Pay, and bank UPI. The payment appears as a merchant transaction in your UPI app. Select 'UPI' or 'Paytm' in the deposit section.
What is the minimum UPI deposit on betting sites?
Minimum deposits range from 100 to 500 INR depending on the site. 4rabet starts at 100 INR, 1win at 300 INR, Parimatch at 200 INR. All accept standard UPI amounts.
Do betting sites deduct GST on UPI deposits?
No. International betting sites do not deduct 28% GST that applies to Indian platforms. Your deposit amount is fully credited. Similarly, no 30% TDS is deducted on withdrawals under current enforcement.
Why do some UPI transactions fail on betting sites?
Banks sometimes block gambling-related transactions. If your UPI payment fails, try a different bank or different UPI app. Paytm Payments Bank and some PSU banks have stricter filters. Private bank UPI (ICICI, HDFC, Axis) often works better.
Are UPI betting sites legal in India?
International betting sites operate under offshore licences (Curacao, Malta). There is no central Indian law prohibiting individual users from accessing them. The legal grey area favours users — enforcement targets operators, not bettors. See our legal guide for details.
Can I withdraw to Paytm or PhonePe wallet?
Withdrawals go to your bank account linked to UPI, not to the wallet balance. When you withdraw, funds arrive in your bank account (the same one your UPI apps draw from). This typically takes 1-24 hours depending on the site.
Information accurate as of January 2026. Payment processor availability may change. Betting involves risk. Please gamble responsibly.