UPI Transaction– India’s digital payment revolution has once again created history. In August 2025, the Unified Payments Interface (UPI) made such a blast that the world was surprised. From every small and big transaction to street shops and big malls, people chose to pay only through mobile, leaving behind cash and cards. The result was that in just one month UPI touched the figure of 20 billion transactions. This led to a total digital transaction of Rs 25 lakh crore across the country.
The latest data from the National Payments Corporation of India (NPCI) shows that there were 19.47 billion transactions in July 2025, while it increased to 20 billion in August. That is, a tremendous increase of 34% was registered on a year-on-year (YoY) basis. Talking about the value of transactions, transactions worth Rs 24.85 lakh crore took place in August, which may be slightly less than Rs 25.08 lakh crore in July, but it is a sharp increase of 21% compared to last year.
On an average, 645 million i.e. about 64.5 crore transactions were done through UPI every day, whose value was around Rs 80,177 crore. These figures show that digital payments are no longer limited to cities, but have reached villages and towns.
What the experts sa
Experts believe that this achievement is not just a figure but a proof of India’s digital strength. Akash Sinha, CEO of Cashfree Payments, said that the figure of 20 billion transactions is “not just a milestone, but proof that India’s economy is now moving forward at the speed of digital payments. Mohit Bedi, co-founder of payment platform Kiwi, said that UPI has now become the “default method of payment in India”, be it consumers or businesses. At the same time, Anand Kumar Bajaj, founder of PayNearby, stressed that UPI has now moved out of urban India and is making a splash in semi-urban and rural areas as well.
Experts believe that the real story of UPI is yet to come. In the coming times, innovations like Credit on UPI, cross-border payments and international expansion will further accelerate India’s digital revolution. The government has also set a target that UPI should cross the figure of 100 crore transactions per day by next year. Looking at the current pace, this dream is not far from becoming a reality.