Overview
- Transactions rose from 38.97 million in January to 165.1 million in December, with average month-on-month growth near 14% during 2025.
- December showed year-on-year increases of over 390% in volume and more than 120% in value, while reports conflict on the absolute value figure (₹20,854 crore vs ₹2,20,854 crore) cited from the same source.
- BHIM 3.0, launched on March 25, introduced Split Expenses, Family Mode, Spending Analytics, UPI Circle delegation, UPI Lite auto top-up, forex booking, prepaid recharges and assured rewards, with stronger offline reliability.
- Delhi and northern states led usage, with peer-to-peer payments at about 28% of transactions and groceries near 18%, alongside rising IPO mandate authentications and higher-value flows.
- The app supports more than 15 regional languages and targets inclusive use in low-connectivity areas, and the operator is pursuing bank partnerships including a tie-up with Canara Bank.