One more interesting thing is Bhim has UPI circle.. this is fastest as it doesnt need any pin - https://www.bhimupi.org.in/upi-circle#:~:text=UPI%20Circle%20on%20BHIM%20is,supports%20a%20more%20interconnected%20society.
So, I am a very old member.. don't post much.. my access revoked and restrictions are in place.. do let me know how I can actively participate but not spam?
Fortunately yes.. got the board replaced as the previous repair was botched and they had tried reballing but didnt do good job.. paid around 5.2k for the whole deal but got this working with pixel experience