Main Presentation May 2025 .pdf
Unified Payments Interface (UPI) is India’s dominant real-time digital payment system, developed by the National Payments Corporation of India (NPCI).
It allows instant money transfers between bank accounts using mobile devices and supports both peer-to-peer (P2P) and person-to-merchant (P2M) transactions.
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UPI is integrated with 600+ banks and supported by 400+ mobile apps, including Google Pay, PhonePe, and Paytm. UPI now accounts for approximately 83% of India's digital payment volume, making it the most widely adopted local payment method.