India Fintech & UPI Market
The India fintech & UPI Payments market reached US$ 2.50 Trillion in 2024 and is expected to reach US$ 12.52 Trillion by 2032, growing at a CAGR of 22.3% during the forecast period 2025-2032.
The India Fintech & UPI Payments Market, as examined by DataM Intelligence, provides a thorough industry overview enriched with detailed insights, historical data, and essential statistics. The report extensively explores market dynamics and competitive landscapes, featuring profiles of leading companies, their product offerings, pricing strategies, financials, growth plans, and geographic footprint.
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Fintech and UPI payments are transforming digital transactions by enabling fast, secure, and low-cost real-time money transfers, driving financial inclusion, and reshaping banking, retail, and e-commerce with seamless cashless solutions.
Prominent Industry players in the India Fintech & UPI Payments Market
The prominent players in India Fintech & UPI Payments Market research report are: Amazon Pay, Axis Bank, Cred, Google Pay (GPay), HDFC Bank, ICICI Bank, National Payments Corporation of India (NPCI), Paytm, PhonePe, Pine Labs, Razorpay, State Bank of India (SBI)
The companies are primarily focusing on strategies such as new product launches to penetrate the fastest-growing emerging markets across the world.
Industry News
September 2025: UPI transaction volume dipped slightly month-on-month to 19.63 billion transactions, though the total value saw a marginal increase, and year-on-year growth remained robust at 31% volume increase.
September 2025: NPCI increased the UPI transaction limit for certain merchant payments to ₹10 lakh (up from ₹1 lakh) for select verified categories, facilitating greater adoption for high-value transactions.
August 1, 2025: NPCI implemented new operational UPI rules designed to enhance system stability, including daily limits on bank balance checks (50 times per app) and scheduling recurring autopay transactions during non-peak hours.
July 2025 (Ongoing Trend): The Fintech sector led Q3 2025 startup funding by segment, raising $556.3 million across 34 deals, despite a general slowdown in overall startup capital, showing sustained investor interest in digital finance.
July 2025 (RBI Clarification): RBI Governor clarified that while the sustainability of UPI’s zero-cost framework remains an issue, there is no current proposal to impose charges on UPI transactions for users, with the government continuing to provide subsidies.
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Market Segments
➥ By Transaction Type: Peer-to-Peer (P2P), Peer-to-Merchant (P2M)
➥ By Use Case: Retail & E-commerce Payments, Money Transfer & Remittances, Bill Payments & Utilities, Travel & Hospitality, Financial Services, Donations & Subsidies, Others
➥ By Deployment Mode: QR Code-Based Payments, In-App / Online Payment Gateways, Point-of-Sale Terminals
➥ By End-User: Individual Consumers, Small & Medium Enterprises, Large Enterprises, Financial Institutions
The India Fintech & UPI Payments Market industry is undergoing swift expansion, fueled by breakthroughs in medical technology, growing demand for cutting-edge therapies, and an increasing emphasis on patient-centric care. As the sector advances, in-depth market analysis is essential to track evolving trends, regulatory developments, and new opportunities.
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