India’s Unified Payments Interface (UPI) set a record in October 2025, processing 20.7 billion transactions —the most it has ever handled in a single month. The National Payments Corporation of India (NPCI) says this is a 25% rise in the number of transactions and a 16% rise in transaction value compared to October 2024.
In October, the total value of transactions was ₹27.28 lakh crore, up from ₹24.90 lakh crore in September 2025. There were about 668 million transactions per day on average, and the average value of those transactions rose to ₹87,993 crore. This shows that more and more people are using UPI as a digital payment system.
Worldline’s India Digital Payments Report states that UPI remains the most popular way to pay online in India. In the first half of 2025, there were more than 106 billion transactions worth ₹143.34 lakh crore, a 35% increase from the same time last year. Because India has many small and micro businesses, person-to-merchant (P2M) transactions rose by 37%. This is sometimes called the “Kirana Effect.” India’s QR-based payment network also grew a lot, more than doubling to 678 million QR codes by June 2025. This shows that more and more businesses are using it.
The UPI platform works great and is very dependable. It handles thousands of transactions every second with almost no downtime. NPCI runs UPI and the whole System, which has more than 491 million users and 65 million merchants. It has Tier IV data centers and the latest technologies.
India is a leader in digital payments and making sure everyone has access to them. The rise in UPI use shows this. Every day, in cities and villages, it’s changing how people pay for things by giving them quick, safe, and cheap ways to do so. The platform has grown to seven countries, including the UAE, Singapore, and France. This shows that real-time payments are becoming more popular and are emerging worldwide.
In October 2025, India’s UPI transaction record was vital.
There were 20.7 billion transactions in October 2025, which is a 25% increase from the year before.
- The total value of all transactions went up 16% from the year before to ₹27.28 lakh crore.
- Every day, there were an average of 668 million transactions worth ₹87,993 crore.
- The number of transactions between people and businesses increased by 37% due to small and micro enterprises.
- By the middle of 2025, the number of QR payments had more than doubled, reaching 678 million.
- UPI is available 99.99% of the time and handles thousands of transactions every second, thanks to NPCI’s strong infrastructure.
- UPI is now available in seven countries, which means that Indians living outside of India can now make payments across borders.
India’s UPI is a game changer in payment and is still changing how payments work. The System is helping people use digital payments and grow their businesses in ways that include everyone.