UPI at 10: Reshaping India's Finance, Driving Inclusion & Innovation

• UPI marks a decade, transforming from a payment system to a core financial layer supporting transactions, access, and product innovation.
• Processed 230 billion transactions worth ₹300 lakh crore in 2025, accounting for 57% of all transactions, surpassing cash.
• Online payment adoption rose 35% last year, with 75% of Amazon Pay UPI usage from Tier 2 and Tier 3 cities, indicating broad penetration.
• Facilitates financial inclusion by providing an entry point to formal services, enabling credit access for first-time borrowers.
• Expanding beyond payments to integrated financial products like wallets, fixed deposits, digital gold, credit-on-UPI, and automated investments.