UPI transactions rise 32% YoY in Nov 2025:People transfer money worth over Rs 26 lakh crore in 1 month

In November, there were 2,047 crore transactions across the country through UPI (Unified Payment Interface), involving transactions worth ₹26.32 lakh crore. The number of transactions increased by 32% on an annual basis. Last year, in November, there were 1,548 crore transactions. Meanwhile, the transferred amount increased by 22%. In November 2024, transactions worth ₹21.55 lakh crore were made. In November 2025, there were an average of 68.2 crore transactions daily and ₹87,721 crore amount was transferred. Earlier in October 2025, ₹27.28 lakh crore was transferred through 2,071 crore transactions. This is a record for any single month so far. The National Payments Corporation of India (NPCI), which regulates UPI, released the data on December 1. Growth in IMPS, FASTag and AePS NPCI operates UPI In India, the operation of RTGS and NEFT payment systems is with RBI. Systems like IMPS, RuPay, UPI are operated by National Payments Corporation of India (NPCI). The government mandated a zero-charge framework for UPI transactions from January 1, 2020. How does UPI work? For UPI service, you need to create a virtual payment address. Then you need to link it to your bank account. After this, you don’t need to remember your bank account number, bank name or IFSC code. The person making the payment just processes the payment request based on your mobile number. If you have their UPI ID (email ID, mobile number or Aadhaar number), you can easily send money through your smartphone. Not just money, but you won’t need net banking, credit or debit cards for utility bill payments, online shopping, purchases etc. You can do all these tasks through the Unified Payment Interface system. Nov 2025 sees over ₹26 lk cr worth of UPI transactions Source: NPCI (National Payments Corporation of India) ​