UPI Shatters Records in December 2025: 21.6 Billion Transactions, Rs 28 Lakh Crore Value

• UPI recorded a historic 21.6 billion transactions in December 2025, marking the highest monthly volume ever, with a total value of Rs 28 lakh crore.
• The average daily UPI payments reached nearly 698 million, showcasing its deep integration into daily consumption across India.
• Despite a high base, UPI saw 29.3% YoY volume growth and 20.3% YoY value growth in 2025, indicating wider usage rather than larger individual payments.
• The average ticket size for UPI transactions continued to shrink, reaching approximately Rs 1,293, reinforcing its role in small, routine payments.
• For the full year 2025, UPI processed 228.3 billion transactions worth Rs 299.7 lakh crore, solidifying its position as the backbone of India's retail payments.

Why It Matters: UPI closed 2025 with record volumes and significant value, cementing its role as India's primary digital payment method for everyday transactions.