UPI Shatters Records in December 2025; Annual Transactions Hit Rs 300 Lakh Crore

• UPI recorded its highest-ever monthly transactions in December 2025, reaching 21.6 billion in volume and Rs 28 lakh crore in value.
• For the full year 2025, UPI processed 228.3 billion transactions worth Rs 299.7 lakh crore, cementing its dominance.
• The average daily payments reached 698 million, with an average transaction size of Rs 1,293, indicating a shift towards smaller, routine purchases.
• Annual transaction volumes grew 29.3% and value by 20.3% year-on-year, showing strong growth despite a moderating pace.
• UPI is increasingly used for everyday retail, from groceries (2.5x increase) to cigarette shops (8x increase), reflecting its deep penetration.

Why It Matters: UPI ended 2025 with record-breaking December figures and nearly Rs 300 lakh crore in annual transactions, solidifying its role in daily finance.