In January 2025, ** held the highest share of unified payment interfaces (UPI) usage based on value in India, followed by Google Pay. Leading fintech players have been key drivers of UPI adoption in India.
 What is UPI?
UPI is a real-time payment system that facilitates peer-to-peer interbank transfers through a single two-factor authentication process. It has become one of the most popular payment methods in India, accounting for a large share of the finance systems in the country.
 Impact of UPI enabled digital wallets 
The integration of digital wallets with the UPI platform has significantly transformed the digital payments landscape in India. This integration allows wallet holders to pay any merchant with a QR code using their wallet balance. It has democratized digital payments by making them more accessible to a larger population, thus bringing more people into the formal banking system. This infrastructure has boosted digital transactions and contributed significantly to financial inclusion in the country.
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ENTRACKR. (October 5, 2024). Unified Payment Interface (UPI) usage across India in January 2025, by platform [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved July 15, 2026, from /statistics/1034443/india-upi-usage-by-platform/
ENTRACKR. "Unified Payment Interface (UPI) usage across India in January 2025, by platform." Chart. October 5, 2024. ÌÇÐÄÆƽâ°æ. Accessed July 15, 2026. /statistics/1034443/india-upi-usage-by-platform/
ENTRACKR. (2024). Unified Payment Interface (UPI) usage across India in January 2025, by platform. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: July 15, 2026. /statistics/1034443/india-upi-usage-by-platform/
ENTRACKR. "Unified Payment Interface (Upi) Usage across India in January 2025, by Platform." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 5 Oct 2024, /statistics/1034443/india-upi-usage-by-platform/
ENTRACKR, Unified Payment Interface (UPI) usage across India in January 2025, by platform ÌÇÐÄÆƽâ°æ, /statistics/1034443/india-upi-usage-by-platform/ (last visited July 15, 2026)
Unified Payment Interface (UPI) usage across India in January 2025, by platform [Graph], ENTRACKR, October 5, 2024. [Online]. Available: /statistics/1034443/india-upi-usage-by-platform/
