{"id":9027,"date":"2026-05-28T14:05:00","date_gmt":"2026-05-28T08:35:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=9027"},"modified":"2026-05-28T12:24:23","modified_gmt":"2026-05-28T06:54:23","slug":"29-lakh-crore-monthly-upi-transactions-indias-top-apps-and-cities-leading-the-race","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/29-lakh-crore-monthly-upi-transactions-indias-top-apps-and-cities-leading-the-race\/","title":{"rendered":"\u20b929 Lakh Crore Monthly UPI Transactions: India\u2019s Top Apps and Cities Leading the Race"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis: <\/strong><em>It is safe to say that UPI is India\u2019s greatest fin-tech breakthrough, and has emerged as one of the world\u2019s largest real-time payment networks and is silently reshaping a citizen\u2019s everyday transactions. This article examines growth trends, market share, transaction types, and geographic spread using the NPCI\u2019s ecosystem data.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>Payments in India has undergone a long evolution from paper to digital to immediate payment service (IMPS) to unified payment interface (UPI). UPI launched in April 2016 by National Payments Corporation of India (NPCI), enables instant and inter-operable bank transfers through mobile. After a decade, it has scaled from being a niche tool to becoming the complete dominant structure of India\u2019s digital payments ecosystem and now processes billions of transactions every month.<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3190719172\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-growth-trajectory\" style=\"font-size:22px\"><strong>Growth Trajectory<\/strong><\/h2>\n\n\n\n<p>As of 20th May 2026 data from NPCI official website, the highest monthly transactions in between April 2025 and May 2026, were in <strong>March 2026<\/strong> with <strong>\u20b929,52,542.03 crores<\/strong> in value and with an average daily value of <strong>\u20b995,243.29 crores<\/strong>, and in <strong>April 2026<\/strong> with <strong>\u20b928,80,846.36 crores<\/strong> in value and with an average daily value of <strong>\u20b996,028.21 crores<\/strong>.<\/p>\n\n\n\n<p>The number of active banks on UPI was <strong>668 <\/strong>in April 2025 and in March 2026 it was <strong>705 banks<\/strong>, which clearly indicates a <strong>~5.54% increase.<\/strong> Compared to April 2016 the number of active banks was <strong>21<\/strong> indicating a rise of <strong>~3257.14%<\/strong> over a decade.<\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2647917055\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-p2p-and-p2m-the-two-use-patterns\" style=\"font-size:22px\"><strong>P2P and P2M: The Two Use Patterns<\/strong><\/h2>\n\n\n\n<p>The P2P transactions are person to person transactions which account for <strong>71%<\/strong> value in crores and P2M transactions, person to merchant transactions account for <strong>29%<\/strong> value in crores for April 2026. In P2P transactions by value in crores, for April 2026,<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3538660460\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>For \u20b90 to \u20b9500:<\/strong> 4%<\/li>\n\n\n\n<li><strong>For \u20b9501 to \u20b92000:<\/strong> 10%<\/li>\n\n\n\n<li><strong>Above \u20b92000:<\/strong> 86%<\/li>\n<\/ul>\n\n\n\n<p>In P2M transactions by value in crores, for April 2026,<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>For \u20b90 to \u20b9500:<\/strong> 16%<\/li>\n\n\n\n<li><strong>For \u20b9501 to \u20b92000:<\/strong> 16%<\/li>\n\n\n\n<li><strong>Above \u20b92000:<\/strong> 68%<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also read: <\/strong><a href=\"https:\/\/tradebrains.in\/money\/how-tds-works-on-property-transactions-above-50-lakh-rules-process-penalties-explained\/\" target=\"_blank\" rel=\"noreferrer noopener\">How TDS Works on Property Transactions Above \u20b950 Lakh: Rules, Process &amp; Penalties Explained<\/a><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-most-popular-upi-apps\" style=\"font-size:22px\"><strong>Most Popular UPI Apps<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>PhonePe-<\/strong> PhonePe ranks 1st in UPI applications usage with transaction value of \u20b914,31,722 crore.<\/li>\n\n\n\n<li><strong>Google Pay-<\/strong> Google Pay ranks 2nd in UPI applications usage with a transaction value of \u20b99,72,068 crore.<\/li>\n\n\n\n<li><strong>Paytm-<\/strong> Paytm ranks 3rd in UPI applications usage with a transaction value of \u20b91,94,317.77 crore.<\/li>\n\n\n\n<li><strong>Navi-<\/strong> Navi ranks 4th in UPI applications usage with a transaction value of \u20b942,683.85 crore.<\/li>\n\n\n\n<li><strong>Super.money-<\/strong> super.money ranks 5th in UPI applications usage with a transaction value of \u20b916,365.13 crore.<\/li>\n\n\n\n<li><strong>BHIM-<\/strong> BHIM ranks 6th in UPI applications usage with a volume of 210.17 million and with a transaction value of \u20b925,198.44 crore.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-where-india-spends-the-most-merchant-category-spend\" style=\"font-size:22px\"><strong>Where India Spends the most: Merchant Category Spend<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>High Transacting Category-<\/strong> The list tops with the groceries and supermarkets expenditures of 3,722.20 volume in millions, and fast food restaurants of 1,474.47 transaction volume in millions.<\/li>\n\n\n\n<li><strong>Medium Transacting Category-<\/strong> In the medium category the list toppers are the package shop beers, wine and liquor transactions of 195.47 volume in millions, and debt collection agencies of 181.52 transaction volume in millions.<\/li>\n\n\n\n<li><strong>All Other Categories-<\/strong> Under this category, electronic shops and electronic repair shops have transaction volumes of 86.54 millions and 82.61 millions respectively.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-are-the-states-in-india-which-use-most-upi\" style=\"font-size:22px\"><strong>Which are the states in India which use most UPI<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Maharashtra<\/strong> tops this list by contributing transactions of <strong>9.84%<\/strong> in volume and <strong>9.11%<\/strong> in value, with <strong>Mumbai Suburban<\/strong> being the top contributor in transactions of <strong>2.49%<\/strong> in volume in the state.<\/li>\n\n\n\n<li>The second top contributor with UPI usage being <strong>Uttar Pradesh<\/strong> of <strong>5.37%<\/strong> in transaction volume and <strong>5.51%<\/strong> in transaction value, and <strong>Gautam Buddha Nagar<\/strong> being the top contributor of the state with <strong>0.77%<\/strong> in volume in transaction.<\/li>\n\n\n\n<li>The third state using UPI is <strong>Karnataka<\/strong> by contributing <strong>5.11%<\/strong> in volume and <strong>5.71%<\/strong> in value and <strong>Bengaluru (Urban)<\/strong> topping the list by transaction volume of <strong>2.86%<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\" style=\"font-size:22px\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>NPCI\u2019s ecosystem data makes a clear point that UPI is no longer just a payment tool, it has become a strong financial structure of everyday India from groceries and supermarkets to debt collection agencies. This ecosystem is only set to deepen its reach as more banks are actively participating in the UPI ecosystem.<\/p><div class=\"trade-content-2\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-4116663096\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/get\/voltmoney\/\" rel=\"noopener\" class=\"a2t-link\" aria-label=\"LAMF3 300_250 (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/LAMF3-300_250-1.png\" alt=\"\"  width=\"300\" height=\"250\"   \/><\/a><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Written By Jahnavi<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: It is safe to say that UPI is India\u2019s greatest fin-tech breakthrough, and has emerged as one of the world\u2019s largest real-time payment networks and is silently reshaping a citizen\u2019s everyday transactions. This article examines growth trends, market share, transaction types, and geographic spread using the NPCI\u2019s ecosystem data. Payments in India has undergone [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":3855,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[39,14],"tags":[],"ppma_author":[3062],"class_list":["post-9027","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fintech","category-trending"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u20b929 Lakh Crore Monthly UPI Transactions: India\u2019s Top Apps and Cities Leading the Race<\/title>\n<meta name=\"description\" content=\"It is safe to say that UPI is India\u2019s greatest fin-tech breakthrough, and has emerged as one of the world\u2019s largest real-time payment networks and is silently reshaping a citizen\u2019s everyday transactions. 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