Totally get it — UPI apps in India are really pushing loans and ads lately, and it’s super overwhelming. If you want a cleaner experience, try using BHIM or your own bank’s app (like YONO or iMobile). They tend to have considerably reduced spam.
Also, dive into your phone settings to manually disable those promotional notifications. Until the rules change, picking a simpler app and being strict with your settings is the best way to stay sane.