@TheBrownDjango Changed the CSC from XSG to INS. everything works fine now, without any data loss. Samsung pay has all features, call recording and caller ID is available now, also no problems with receiving updates or 5G(using Airtel, not sure about...
I haven't changed the csc yet. I can use UPI and other apps normally. Samsung pay is different from the one in India, this version doesn't have UPI or digilocker integration, its just for credit cards. Also, call recording is not available
I haven't tried but I read somewhere when they had similar issue, this fixed it. I want to change the csc of my s23 from XSG to INS, but I'm not sure if that comes with a price. I read some users had issues in receiving updates after that, and still ...