India Fintech & UPI
20 verified facts tracked for this market — each with its source, reporting period and evidence tier. Tier 1 = primary institutions (central banks, statistical offices); tier 2 = disclosed industry panels.
| Metric | Value | Geo | Period | Tier | Source |
|---|---|---|---|---|---|
| Maximum RBI auto-reversal timeline for failed UPI funds transfer | 1day after transaction | India | in force from 2019-10-15 | T1 | rbi.org.in |
| Maximum RBI auto-reversal timeline for failed UPI merchant payment confirmation | 5days after transaction | India | in force from 2019-10-15 | T1 | rbi.org.in |
| UPI transaction value, India | 143.3INR trillion | IN | H1 2025 | T1 | rbi.org.in |
| UPI transaction volume, India | 10637crore transactions | IN | H1 2025 | T1 | rbi.org.in |
| UPI share of India digital payment transaction volume | 85percent | IN | H1 2025 | T1 | rbi.org.in |
| India mobile app based payments volume | 2226709.91lakh transactions | IN | FY2025-26 | T1 | rbi.org.in |
| India payment transactions per fraudulent transaction | 103465.72transactions per fraud | IN | 2026-03 | T1 | rbi.org.in |
| India RBI Financial Inclusion Index (FI-Index) | 70.0index | IN | 2026-03 | T1 | rbi.org.in |
| India persons aged 15-29 able to perform an online banking transaction | 68.7percent of persons aged 15-29 | IN | 2025-Q1 | T1 | mospi.gov.in |
| India persons aged 15+ able to perform an online banking transaction | 48.9percent of persons | IN | 2025-Q1 | T1 | mospi.gov.in |
| India online-banking-capable persons 15+ who use UPI only | 81.4percent of online-banking-capable person | IN | 2025-Q1 | T1 | mospi.gov.in |
| India men aged 15-29 able to perform an online banking transaction | 79.3percent of men aged 15-29 | IN | 2025-Q1 | T1 | mospi.gov.in |
| Customer transactions as share of RTGS volume, India | 99percent | IN | 2025-H1 | T1 | rbi.org.in |
| UPI transaction volume, India | 10,637crore transactions | IN | 2025-H1 | T1 | rbi.org.in |
| Share of RTGS customer transactions in the INR 2-10 lakh value band, India | 75percent | IN | 2025-H1 | T1 | rbi.org.in |
| Domestic payment fraud volume, India | 2.87lakh fraudulent transactions | IN | 2025-07 | T1 | rbi.org.in |
| Billers onboarded on BBPS, India | 22,378billers | IN | 2025-06 | T1 | rbi.org.in |
| Credit cards issued by small finance banks, India | 10lakh cards | IN | 2025-06 | T1 | rbi.org.in |
| UPI monthly transaction volume, India, RBI Payment System Indicators | 178934.24lakh transactions | IN | 2025-04 | T1 | rbi.org.in |
| Authorised non-bank payment aggregators, India | 51entities | India | 2025-03 | T1 | rbi.org.in |
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