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I was just in India for work.
If you go to Amazon.In, you can set up Amazon Pay UPI that doesn’t have KYC under 10,000 INR (around $100 USD).
If you do KYC, then you can load more than 10,000 INR a month but you don’t have to do KYC if you are under this limit.
The only requirement to get the account is that you need an Indian cell phone number (which you can get anywhere) but otherwise, works no problem for Americans.