India's Digital Divide: Maharashtra Leads UPI, Bihar Lags Sevenfold

• UPI sees over 20 billion monthly transactions, comprising 85% of India's digital payments, but usage is highly uneven across states.
• Maharashtra averages 17.4 UPI transactions per person monthly, seven times more than Bihar's less than 4 transactions.
• Delhi leads with 23.9 transactions per person, followed by Goa, Telangana, and Chandigarh, showing higher usage in urbanized areas.
• Eastern states like Jharkhand, Assam, and West Bengal lag significantly due to slow merchant adoption, poor internet, and low smartphone penetration.
• Telangana boasts the highest per capita UPI transaction value at ₹34,800, while North-East shows mixed results with some hilly states adopting well.

Why It Matters: India faces a "multi-speed" digital economy with a significant UPI usage divide, crucial to bridge for future growth.