Lead Story
A decade ago, paying for a cup of tea with a phone still felt like a novelty. Today, a QR code at a roadside tea stall can be enough to complete the transaction in seconds. That everyday convenience is perhaps the simplest way to understand the transformation Prime Minister Narendra Modi’s government set in motion with the launch of UPI in 2016.
Ten years on, UPI is no longer just a payment tool. It has become a critical part of India's digital economic infrastructure — changing how people pay, how businesses transact and how money moves across the country.
The numbers are extraordinary. From 1.78 crore transactions in FY2016-17, UPI processed more than 24,162 crore transactions in FY2025-26 - an almost 13,000-fold increase. Transaction value rose from Rs 0.07 lakh crore to around Rs 314 lakh crore, more than 4,000 times the original level.
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