Ka Unified Payments Interface (UPI), kaba la sdang ha ka 25 tarik Nailar 2016 da ka National Payments Corporation of India (NPCI) hapoh ka jingpeit bniah jong ka Reserve Bank of India (RBI) ka la dap 10 snem ka jingpynkylla ia ka rukom siew digital ha India. Ka UPI ka la paw kum u budlum jong ka rukom siew digital jong ka India bad ka bor kaba kongsan jong ka jingkynthup lang ha ka kam pisa tyngka.

Palat shiphew snem jong ka jingtreikam, ka UPI ka la pyni ia ka jingheh bad ka bor kaba phylla. Ka jingbun jong ki jingsiew jingdiah man la u snem ka la kiew na tang 1.78 klur tylli ki jingsiew jingdiah ha u snem mang tyngka 2016-17 sha palat 24,162 klur tylli ki jingsiew jingdiah ha u snem mang tyngka 2025-26, kaba pyni ia ka jingkiew kaba la jan 13,000 shah ha ka jingbun ki jingsiew jingdiah. Ha kajuh ka por, ka jingsiew jingdiah ka la kiew bha na ka T.0.07 lak klur ha u snem mang tyngka 2016-17 sha kumba T.314 lak klur ha u snem mang tyngka 2025-26, kaba pynkylla sha ka jingkiew kaba palat 4,000 shah ha ka jingsiew jingdiah.

Ka UPI ka la paw kum kawei na ki nongrim ba jop tam jong ki jingdon jingem digital na ka bynta ki paidbah jong ka India, kiba ai ïa ka rynsan ban siew mardor kaba pyntreilang, kaba plie lad ïa ki jingsiew jingdiah ba khlem jingeh hapdeng ki nongdie nongthied lyngba kawei ka application. Mynta, kadei ka rukom siew kaba la jied da ki million ngut ki nongpyndonkam, kaba pynkylla ia ka rukom siew jong ka India. Da kaba weng ia ka jingiapher ha ka kam digital, ban kyntiew ia ka jingkynthup lang ha ka kam pisa tyngka, bad ban pyniar ia ka jinglah ban ioh ia ki jingshakri digital ha ka kam pisa tyngka, ka UPI ka la pynkupbor ia ki briew bad ka imlang sahlang ha kylleng ka ri katba ka dang kyntiew ia ka jingiashim bynta ha ka ioh ka kot kaba kham iar.

Kane ka jingpyniar ha kajuh ka por ha ka jingbun ka pyni ïa ka bynta kaba jylliew jong ka UPI ha kaba kyrshan ïa ki jingsiew ba jia man ka por. Ka jingheh kaba ym pat ju jia mynno mynno ruh, ka jingshaniah, bad ka jingïatreilang kaba la ïoh da ka UPI ka la ïoh ïa ka jingithuh ha ka pyrthei, ha kaba ka International Monetary Fund (IMF) ka la ithuh ïa ka kum ka rukom siew mardor kaba heh tam ha ka pyrthei da ka jingbun ki jingsiew jingdiah, kaba pyni ïa ka jinglong nongïalam jong ka India ha kaba tei ïa ki jingdon jingem digital na ka bynta ki paidbah kiba lah ban pynheh, kiba ai bynta lang, bad kiba thymmai.

I. Ki jingkhein ha ki shiphew snem

Ka jingbun ki jingsiew ha ka shi snem  (snem mang tyngka 2016-17 haduh u snem mang tyngka 2026-27*)

Dur 1: Ka jingsiew UPI ha ka shi snem ha ki Klur *Haduh ka 31 tarik Naitung 2026

Ka jingsiew ha ka shi snem (snem mang tyngka 2016-17 haduh snem mang tyngka 2026-27*)

Dur 2: Ka jingsiew UPI ha ka shi snem ha ki ₹ Lak Klur *Haduh ka 31 tarik Naitung 2026

II. Ka Jingtreikam man u bnai, 2026

The Year 2026 marked a significant milestone in the growth trajectory of UPI. Monthly transaction volumes crossed 2,300 crore transactions for the first time in May 2026, reaching 2,320 crore transactions, signalling a new scale of adoption. This momentum continued through the year, with July 2026 recording 2,366 crore transactions, the highest monthly transaction volume in UPI’s decade‑long journey.

III. Ka jingkhlain jong ka kam, ki bank, ki app bad ka jaka

Ki Bank ki treikam ha ka UPI, ka jingïashim bynta kaba ym pat ju jia mynno mynno ruh

Ka UPI ka la sakhi ia ka jingpynheh kaba skhem bad kaba iar ha ka jingiashim bynta jong ki jaka treikam naduh ba la sdang ia ka. Ka jingdon jong ki bank kiba treikam ha ka UPI ka la kiew na ki 44 tylli ki bank ha u snem mang tyngka 2016-17, u snem ba nyngkong jong ka jingtreikam, sha ki 703 tylli ki bank ha u snem mang tyngka 2025-26. Kane ka jingpynrung ka kynthup ia ki bank sorkar, ki bank shimet, ki finance bank kiba rit, ki payment bank, bad ki cooperative bank, kaba plie lad ia ka UPI ban poi sha ki jaka ba jngai. Kawei pa kawei ka bank ka treikam kum ka Remitter PSP (processing outgoing transactions) bad/lane ka Beneficiary PSP (receiving funds), ryngkat bad ka NPCI kaba buddien ia ki jingthew jong ka jingtreikam na ka bynta baroh ki nongiashim bynta.

Dur 4: Ka jingdon jong ki bank kiba treikam ha ka UPI (snem mang tyngka 2017-2026)

IV. Ka jingphiah ia ka jingsiew, ka jingbishar bniah ia ka P2P & P2M

Ka jingbishar bniah ia ki jingsiew UPI ka pyni ia ka jingiapher kaba shai hapdeng ka jingbun bad ka dor ha ki jait jingsiew bapher bapher. Ki jingsiew na ki briew sha u nongkhaii (P2M) ki long 63% na ka jingbun jong ki jingsiew baroh, kaba pyni ia ka jingpyndonkam kaba jur ia ka UPI na ka bynta ki jingsiew ba ai man ka por, kiba duna dor. Ha ka jingïapher, ki jingsiew hapdeng ki briew (P2P) ki dei kiba bun tam na ki jingsiew, kaba noh synñiang 71%, kaba pyni ia ka jingpyndonkam jong ki na ka bynta ki jingpyndonkam kiba kham bun hapdeng ki briew. Kane ka jingïapher ka pyni ïa ki ar bynta jong ka UPI kum ka rynsan siew pisa paidbah bad ka lad ba lah ban shaniah na ka bynta ki jingsiew ba kham heh.

Dur 5: Ka jingphiah jong ka UPI P2P pyrshah ia ka P2M - Ka jingbun bad ka dor

Ka jingiaphiah ia ki jingsiew katkum ka jingheh jong ki tiket, ki jingsiew barit ki long kiba bun

Ha u snem mang tyngka 2026, ki jingsiew UPI kiba la kot sha ka 24,162 klur ki pyni ia ka jingpyniasoh kaba jylliew jong ka rynsan ha ka jingpyndonkam ia ka jingsiew digital man ka sngi ha kylleng ka ri, da ka jingsiew kaba khlain bha ha ka bynta jong ki nongkhaii. Ki jingsiew P2M kilong kiba la kyntiew da ka jingsiew tiket kaba rit, ha kaba 86% hapoh T.500, kaba pyni ia ka jingpyniasoh kaba jylliew jong ka UPI ha ka jingdie khutia kaba man ka sngi bad ka khaii pateng kaba man ka sngi, wat ki jingsiew kiba kham heh ki dang iai bteng ban kiew. Ki jingsiew P2P ki pyni ruh ia ka jingpyndonkam kaba jylliew na ka bynta ki jingphah pisa ba duna dor (59% hapoh T.500), katba ka 41% ki jingsiew kiba palat T.500 ka pyni ia ka jingkiew ka UPI ha kaba pynsuk ia ki jingsiew shimet ba man ka por bad ka jingphah pisa kaba kham heh.

Dur 6: Ka jingsam ia ka jingsiew UPI katkum ka jingheh jong ka tiket

V. UPI ha ka pyrthei

Kaei kaba la sdang kum ka jingsaindur ia ki jingsiew hapoh ka ri mynta ka la kylla sha ka nuksa ia ka pyrthei ha ki jingsiew digital.

Haduh u snem 2025, ka UPI ka don haduh 49 % ka jingbun ki jingsiew mardor ha ka pyrthei, u mawmer ba la ithuh da ka IMF.

Da kaba don palat 66 klur ki jingsiew man ka sngi, ka UPI ka la tam ia ka rukom siew ha ka pyrthei, kaba pynskhem ia ka kyrdan jong ka India kum ka nongialam ha ka pyrthei ha ki jingsiew digital kaba kloi, kaba shngain, bad kaba kynthup lang ia baroh.

Ka UPI ka la paw ruh kum ka rynsan ha ka pyrthei na ka bynta ki jingsiew digital sha shiliang pud bad ka treikam mynta ha ki 11 tylli ki ri, kata ka United Arab Emirates, France, Bhutan, Sri Lanka, Nepal, Singapore, Mauritius, Qatar, Cambodia, Greece bad Maldives.

VI. Ka Lynti shakhmat, ki shiphew snem ban wan jong ka UPI

Ki shiphew snem ban wan jong ka UPI ka la pynkhreh ban kyntiew ïa ka jingkylla kaba kham heh ha ka kam siew digital jong ka India. Da kaba wanrah ïa ki nongpyndonkam bad ki nongkhaii ba thymmai sha ka rynsan UPI, ka Sorkar India ka dang ïai bteng ban plie lad ïa ka bynta kaban wan jong ka jingsaindur ba la ïalam da ka UPI bad ban pynkhlain ïa ka rukom siew digital jong ka India lyngba ka jingkyrshan jong ki polisi ba iaibteng, ka jingkiew ha ka teknoloji, bad ka jingkynthup lang kaba kham bun.

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