Hello, this is Arjun Kumar Yadav speaking from Barabanki, Uttar Pradesh. I would like to inform Subhash Kumar Gautam Ji regarding the matter about using PhonePe on JioPhone. Brother, what you’re saying about PhonePe working or not — let me clarify — PhonePe does not work on JioPhone. It supports JioPay, not PhonePe. Since this is a keypad phone (feature phone) and it's linked specifically to Jio, only JioPay works on it, not PhonePe. A new application has come recently, which is pre-installed in the phone itself, and that is the one which works. So please use JioPay, and you can easily do your transactions. There’s no problem in using it. If you're facing issues creating a UPI ID — no worries. If your bank is supported, you can set up UPI using your ATM card. Without an ATM card, you won’t be able to use UPI, as UPI cannot be set up without it. I hope you agree with what I said. For more information, Subhash Kumar Ji can call me on this number: 9369409539.