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UPI transactions soar in FY25 but fall short of govt target
Mint New Delhi
|April 04, 2025
UPI payments are free of cost for users, with the Centre terming the platform a public good.
The Unified Payments Interface (UPI) broke records in FY25, processing an unprecedented 186 billion transactions worth ₹261 trillion. Monthly transactions touched a high of 18 billion in March 2025 amounting to transactions worth ₹25 trillion—up 36% on-year in terms of volume and 25% in value.
A back-of-the-envelope calculation shows this volume of transactions means that around 350,000 UPI transactions were processed every minute in FY25.
In comparison with other popular payment platforms, the Real-Time Gross Settlement (RTGS) platform processed 0.3 billion transactions worth ₹2,014 trillion in FY25; the National Electronic Funds Transfer (NEFT) platform processed 9.6 billion transactions worth ₹443.6 trillion; and the Immediate Payment Service (IMPS) platform processed 5.6 billion transactions amounting to ₹71.4 trillion, as per RBI data compiled by Mint.
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