Budget phones are aplenty, but Karbonn says its newest device has a USP you won’t find elsewhere - baked-into-the-OS UPI payments. That’s right. Priced at ₹5290, the K9 Kavach 4G sees Karbonn collaborate with the National Payments Corporation of India (NPCI) to offer UPI payments without needing any other app. Karbonn also says the Kavach 4G will let you perform Aadhar KYC and access other government initiatives using its fingerprint scanner. Apart from that, other specs you might care about are: a 5in HD display, 5MP front and rear cameras, 1GB RAM, 8GB storage (expandable) and VoLTE support.