Indias UPI Triumphs: Record 2025 transactions & future payment trends |Explained
UPI transactions touched 21.6 billion transactions in December 2025. The Unified Payments Interface (UPI) platform touched new highs in 2025 as it processed 228 billion transactions.
New Delhi: India's digital payment service Unified Payments Interface (UPI) has performed brilliantly in 2025. The highest number of transactions took place in the month of December, while the full year's figure also reached a record level. According to the new data of the National Payments Corporation of India (NPCI), a total of 228 billion transactions were made on UPI in 2025, the total value of which was about 300 lakh crore rupees. This is 33 percent higher in number and 21 percent higher in price than in 2024.
UPI Record-breaking transactions in December
In December 2025, a record 21.6 billion transactions were made on UPI, the total value of which was Rs 30 lakh crore. This is 29 percent higher in number and 20 percent higher in price than in December last year. On an average, 698 million (69.8 crore) transactions were made every day in the month and the average daily amount was 90,217 million rupees. Experts say that from big cities to small towns, UPI is now the first choice for people.
| Month | Number of transactions (in billions) | Value (in ₹ trillion) |
|---|---|---|
| January | 17 | 23.5 |
| February | 16.1 | 22 |
| march | 18.3 | 24.8 |
| april | 17.9 | 23.9 |
| May | 18.7 | 25.1 |
| june | 18.4 | 24 |
| july | 19.5 | 25.1 |
| august | 20 | 24.9 |
| september | 19.6 | 24.9 |
| october | 20.7 | 27.3 |
| november | 20.5 | 26.3 |
| December | 21.6 | 28 |
| Year | Number of transactions (in billions) | Value (in ₹ trillion) |
|---|---|---|
| 2023 | 117.6 | 182.9 |
| 2024 | 172.2 | 246.8 |
| 2025 | 228.3 | 299.8 |
NPCI's new portal: AutoPay made easier
Recently NPCI has started a special portal for UPI Autopay. This allows users to view and manage all their auto payments (like subscriptions, electricity bills, etc.) in one place. This feature gives users more control and protects them from the hidden methods of e-commerce companies. All UPI members had to follow its rules by 31 December 2025.
UPI's new flight in 2026
The use of UPI in small towns and villages is expected to increase further in 2026. New features like biometric identification, local language communication and easy onboarding will connect more people. The use of QR codes will increase and there will be more large transactions. According to experts, growth will come not just from more users, but also from smart payments, AI support and foreign transactions.