Unified Payments Interface (UPI) is an instant real-time payment system . The interface facilitates inter-bank peer-to-peer (P2P) and person-to-merchant (P2M) transactions. As of May 2021, the platform has over 100 million monthly active users in India. The proportion of UPI transactions in total volume of digital transactions grew from 23% in 201819 to 55% in 202021 with an average value of ₹1,849 per transaction. Digital transactions worth ₹8.31 trillion were made via the platform in January 2022. In FY 202122, the value of transactions crossed $1 trillion.
My country has the same thing with phones and is of course useless outside the country and you need a bank account and a phone to begin with... So yeah, no thanks. Americans have something called Zelle which is similar. And many countries and regions have their own cashless payment system. It is a digitalization of all the inconveniences of fiat, and many rightly consider it worse than fiat.
So yeah your UPI is worthless outside of India, and within India it still needs to meet conditions to use it, while with Bitcoin, you download a wallet and you already can use it; no banks no phone and no ID and works in all the world, no exchanges.