UPI users reach 55.49 crore (June 2026)
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UPSC has already asked about this. Read the story with these questions in mind.
NPCI reported 55.49 crore users on UPI as of June 2026. In FY 2025-26, UPI handled 24,161.69 crore transactions worth Rs 314.23 lakh crore. UPI runs under the Payment and Settlement Systems Act, 2007. Security steps include risk-based limits and NPCI’s CUISF 2025.
- Users
- 55.49 crore (June 2026)
- FY 2025-26 volume
- 24,161.69 crore transactions
- FY 2025-26 value
- Rs 314.23 lakh crore
- Law
- Payment and Settlement Systems Act, 2007
- Operator
- NPCI
- Security
- CUISF 2025; Mobile Application Security Framework
UPI user and transaction growth: what happened?
UPI is India’s real-time retail payment rail. Growth in users and value has been steep across five years. NIPL, NPCI’s April 2020 subsidiary, takes UPI and RuPay abroad.
- Volumes rose from 4,595.61 crore (FY 2021-22) to 24,161.69 crore (FY 2025-26).
- Values rose from Rs 84.16 lakh crore to Rs 314.23 lakh crore over the same span.
- Cross-border live links include Bhutan, Singapore, UAE, France, Mauritius, Sri Lanka, Nepal, Qatar and others for P2M and/or P2P.
What security tools are named?
- Risk-based transaction limits; safeguards on mobile-number changes and SMS auth; enhanced app security.
- CUISF 2025 and the Mobile Application Security Framework.
How fast have UPI volumes and values grown?
| FY | Volume (crore) | Value (lakh crore) |
|---|---|---|
| 2021-22 | 4,595.61 | 84.16 |
| 2022-23 | 8,371.44 | 139.15 |
| 2023-24 | 13,112.95 | 199.95 |
| 2024-25 | 18,586.60 | 260.56 |
| 2025-26 | 24,161.69 | 314.23 |
Why does UPI user and transaction growth matter?
| Angle | What to note |
|---|---|
| Payments | Mass retail digital rails. |
| Law | PSS Act, 2007 authorisation. |
| Diplomacy | UPI/RuPay abroad via NIPL. |
| Security | CUISF 2025 framework. |
What are the challenges in UPI user and transaction growth?
- Fraud risk grows with volume; limits and app security must keep up.
- Cross-border links differ in P2P vs P2M scope by country.
What should be done next on UPI user and transaction growth?
- Keep CUISF controls current.
- Expand orderly cross-border corridors.
- Track user protection metrics alongside volume.
What can Prelims ask on UPI user and transaction growth?
- UPI users 55.49 crore (Jun 2026).
- FY 2025-26: 24,161.69 crore txns; Rs 314.23 lakh crore.
- PSS Act 2007; NPCI; NIPL (Apr 2020).
- CUISF 2025.
How to write about UPI user and transaction growth in Mains
Practice question (10 marks, 150 words): UPI’s scale is clear from the numbers. What governance and security questions follow?
- Intro: 55.49 crore users.
- Volume/value rise.
- PSS Act and NPCI.
- CUISF and fraud controls.
- Cross-border via NIPL.
How to use this in Mains
- As per PIB (2026-07-20): nearly 55.49 crore users were onboarded on UPI as of June 2026; FY26 volume 24,162 crore transactions worth ₹314 lakh crore.
- UPI's scale brings security risks that grow with it.
Quotable data pointNearly 55.49 crore users were onboarded on UPI as of June 2026.
PIB: Finance: UPI users, 20 Jul 2026
Exam angle
Prelims: UPI stats.
Practice MCQs
Original practice questions (not PYQs).
As of June 2026, users onboarded on UPI numbered about
Answer (c) & explanation
Finance Ministry, 20 Jul 2026.
UPI is operated by NPCI under which law?
Answer (b) & explanation
Finance Ministry, 20 Jul 2026.
Questions students ask about this
How many UPI users were there in June 2026?
55.49 crore.
What was UPI transaction value in FY 2025-26?
Rs 314.23 lakh crore.
Under which Act is UPI authorised?
The Payment and Settlement Systems Act, 2007.
What is CUISF 2025?
NPCI's Comprehensive UPI Information Security Framework.
Keep studying
Go deeper
Official source: PIB: Finance: UPI users, 20 Jul 2026
facts from cited sources only; faculty review pending