UPI processes 85% of India’s payment volumes but just 9.5% of value; RTGS dominates at 68.6%

UPI processed most payment transactions in India by volume in late 2025. RTGS handled significant value with low volume. NEFT offered versatility. Digital payments saw explosive growth from 2021 to 2025. UPI’s rise led to a sharp decline in debit card usage for everyday retail payments.

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