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Yes, You can buy IPOs without UPI. Applying for IPO through the Upstox platform is possible if you have a UPI ID. If you don’t have a UPI ID, you can opt to apply through the ASBA process from your internet banking. The bank account holder and the Demat account holder's names should be the same. You can’t use the bank account of a friend or family member.
You must provide your Demat account details while applying through the internet banking ASBA process. You have to log in to your internet banking, go to the IPO apply section and enter your details along with your Demat account details, such as DP ID and BO ID.
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Zerodha Trade@20
