Can I apply for an IPO without using UPI?

No. On Rupeezy, every IPO application from a retail individual investor goes through the UPI-ASBA route — you can't apply using net banking or any other payment method instead.

Why is UPI the only option?

This isn't a Rupeezy restriction. SEBI mandates the UPI-ASBA route for all retail individual investors applying through a stockbroker app or intermediary — so the same rule applies across every broker, not just Rupeezy.

That's why the IPO application form asks only for a UPI ID, and why approving the mandate in your UPI app is a required step to place, modify, or keep an application live.