UPI Transactions and Payment Volume in India

• In the half-year ending June 2025, payment transaction volume was 12,549 crore, amounting to ₹1,572 lakh crore.

• The growth in payments was largely due to digital payments, accounting for 96.7% of total payments by volume and 95.5% by value in CY19.

• UPI transactions increased significantly from 1,079 crore in CY19 to 17,221 crore in CY24, with the total value of transactions growing from ₹18.4 lakh crore in CY19 to ₹246.8 lakh crore in CY24.

• NEFT transactions tripled in volume from 262.2 crore to 926.8 crore from CY19 to CY24, while in terms of value, they grew from ₹232.9 lakh crore to ₹432.8 lakh crore.

• Large Value Payment System (RTGS) transactions grew from 14.8 crore in CY19 to 29.5 crore in CY24, with transaction value rising from ₹1,388.7 lakh crore to ₹1,938.2 lakh crore.

• Debit card transactions declined since 2019, both in volume and value.

• Prepaid Payment Instrument (PPI) transaction volume rose from 516.2 crore in CY19 to 698.9 crore in CY24, with transaction value remaining almost at the same level of ₹2.23 lakh crore.

Digital Payments India is important topic for Civil service exam (WBCS).

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