Tukde means pieces: one bill paid as a few smaller UPI payments. Corner shops, chemists, tutors and homestays often take only UPI, and plenty of everyday bills cross ₹2,000. Splitting is one way to pay when one payment won’t go through, or when the shop asks for it. Ask the shop before you split.
Here are eight of these bills, each with the exact split TukdaPay makes at ₹1,999 a payment. Pick one to open the splitter with that amount filled in. New to this? Read how to split a UPI payment above ₹2,000, step by step.
₹4,200
Households
The month’s groceries at the corner shop come to ₹4,200 on the khata. The shop’s UPI sticker is on the counter.
₹4,200 in 3 payments: ₹1,999 + ₹1,999 + ₹202
Tip: Put “Sept khata” in the note so the shopkeeper can tick it off in one go.
Try with ₹4,200₹3,650
Dining out
Dinner for four is ₹3,650 and the restaurant’s QR is on the bill folder. One person pays and collects from the others later.
₹3,650 in 2 payments: ₹1,999 + ₹1,651
Tip: Use the bill number as the note, and ask before you pay whether two payments are fine.
Try with ₹3,650₹14,999
Shopping
A ₹14,999 phone at a local electronics shop that takes UPI, but one payment that size won’t go through from your account.
₹14,999 in 8 payments: 7 × ₹1,999 + ₹1,006
Tip: Eight payments means eight PINs. Ask the shop first, and put the invoice number in the note.
Try with ₹14,999₹2,850
Health
Medicines and a blood test for a parent come to ₹2,850 at the pharmacy and lab next to the clinic.
₹2,850 in 2 payments: ₹1,999 + ₹851
Tip: Use the prescription date as the note so the payments are easy to find later.
Try with ₹2,850₹5,500
Education
The coaching centre collects ₹5,500 a month by UPI to the owner’s ID and hands over a receipt.
₹5,500 in 3 payments: ₹1,999 + ₹1,999 + ₹1,502
Tip: Use the student’s name and month as the note, e.g. “Priya – Oct fees”.
Try with ₹5,500₹25,000
Events
The decorator’s advance is ₹25,000, paid by UPI to the decorator’s ID.
₹25,000 in 13 payments: 12 × ₹1,999 + ₹1,012
Tip: Ask the decorator first, then send the WhatsApp breakdown so both sides have the same list.
Try with ₹25,000₹5,400
Travel
Two nights at a homestay, ₹5,400, paid to the owner’s UPI ID at checkout.
₹5,400 in 3 payments: ₹1,999 + ₹1,999 + ₹1,402
Tip: Note the booking dates, and ask the owner at checkout before you pay in parts.
Try with ₹5,400₹3,200
Services
The bike service came to ₹3,200 including parts. The mechanic shows his UPI QR on his phone.
₹3,200 in 2 payments: ₹1,999 + ₹1,201
Tip: Scan his QR once to get the UPI ID, then paste it into the splitter.
Try with ₹3,200Any amount works. Enter the bill and the shop’s UPI ID, then pay each part from GPay, PhonePe, Paytm or any UPI app.
TukdaPay isn’t a way to avoid a fee: see who a UPI charge lands on.
Split a payment