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UPI managed by NPCI hit a record 20.70 billion transactions in October 2025, with a single-day peak of 754.37 million.
UPI
India’s flagship real-time digital payments system, the Unified Payments Interface (UPI), managed by the National Payments Corporation of India (NPCI), recorded 20.70 billion transactions in October 2025, marking a new high. This was up from 19.63 billion in September and 20.01 billion in August.
According to NPCI data, the total transaction value rose to Rs 27.28 lakh crore in October, compared to Rs 24.90 lakh crore in September and Rs 24.85 lakh crore in August. On a year-on-year basis, transaction volume increased 25%, while transaction value grew 16%.
October also saw a major milestone, with UPI crossing 750 million transactions in a single day for the first time on October 18, 2025, when it processed 754.37 million transactions — the highest-ever daily record.
UPI Accounts For 84.4% Digital Payment Transaction In Volume
The payments ecosystem in India has witnessed remarkable growth in recent years. In terms of volume, the payment transactions grew from Rs 3,248 crore in CY 2019 to Rs 20,849 crore in CY 2024, and, in terms of value, from Rs 1,775 lakh crore to Rs 2,830 lakh crore during this period, according to RBI’s Payment Systems Report, June 2025.
Unified Payment Interface (UPI) has accounted for 84.8 per cent digital payment share in India in terms of volume in the H1 of 2025, followed by NEFT at 3.9 per cent and IMPS at 2.1 per cent. However, in terms of value, UPS has a share of 9 per cent.
On the other hand, during this period, the Real Time Gross Settlement (RTGS) system recorded the largest share of 69 per cent in terms of value but accounted for the lowest share of 0.1 per cent in terms of volume.
Being a large value payment system, also called wholesale payment system, RTGS, with a minimum transaction amount of Rs 2 lakh, contributes higher in terms of transaction value but records fewer transactions than other payment systems.
In the HY ending June 2025 transaction volume was 12,549 crore, amounting to Rs 1,572 lakh crore.
Digital payment now handles almost 99.8 per cent of volume and 97.7 per cent of value in payment segment of the country.
Varun Yadav is a Sub Editor at News18 Business Digital. He writes articles on markets, personal finance, technology, and more. He completed his post-graduation diploma in English Journalism from the Indian Inst…Read More
Varun Yadav is a Sub Editor at News18 Business Digital. He writes articles on markets, personal finance, technology, and more. He completed his post-graduation diploma in English Journalism from the Indian Inst… Read More
November 02, 2025, 15:56 IST
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