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How many people use UPI in India?

Last checked 23 October 2026 • Rechecked monthly • 2 dated sources

55.49 crore
users onboarded on UPI · June 2026
Range
Up to 55.49 crore people; fewer use it in any one month
Confidence
High: an official count
Last checked

The short answer

As of June 2026, 55.49 crore users had been onboarded on UPI, according to the Ministry of Finance in a written reply to the Lok Sabha. That counts users ever onboarded, not people who paid this month. In August 2026 UPI processed 24.51 billion transactions worth ₹29.82 lakh crore.

The onboarded count is a ceiling: it includes everyone ever onboarded, active or not. NPCI does not publish monthly active users, so the number paying with UPI in a given month is lower by an amount nobody publishes.

The figures side by side

MeasureFigureSource
Users onboarded55.49 croreMinistry of Finance, June 2026
Transactions, August 202624.51 billionNPCI via Free Press Journal
Value, August 2026₹29.82 lakh croreNPCI via Free Press Journal
Transactions, FY 2025-2624,162 croreMinistry of Finance

How we got this number

  1. Start from the latest official count: 55.49 crore users onboarded as of June 2026, from the Minister of State for Finance's written reply to the Lok Sabha (reported 21 July 2026).
  2. Check it against use: 24.51 billion transactions in August 2026 is about 44 transactions per onboarded user that month, which is plausible for a payment method used for daily small purchases.
  3. Reject any figure for "active users" that is larger than the onboarded count or cites no NPCI release; we found such claims on statistics blogs and left them out.
  4. Report the onboarded count as the number and say plainly that active users are fewer and unpublished.

What this number does not tell you

  • One person with two UPI apps or two bank accounts may be counted more than once; the reply does not say how duplicates are handled.
  • Onboarded users include people who tried UPI once and stopped.
  • The count is not split by state, age or app.

Sources

  1. Ministry of Finance reply in the Lok Sabha, reported by News On AIR, 21 July 2026The government has informed that nearly 55.49 crore users have onboarded on UPI as of June this year. UPI transactions grew 24,162 crore in volume and 314 lakh crore in value in the financial year 2025-26.
  2. NPCI monthly data, reported by Free Press Journal, 1 September 2026processing 24.51 billion transactions worth ₹29.82 lakh crore … UPI transaction volumes in August rose from 23.66 billion in July and 22.72 billion in June.

Worked out by us: 44 (24.51 billion August transactions ÷ 55.49 crore onboarded users).

Questions people ask

How many UPI users are there in India in 2026?

55.49 crore users had been onboarded on UPI as of June 2026, per the Ministry of Finance. NPCI does not publish how many are active each month.

How many UPI transactions happen in a month?

24.51 billion in August 2026, worth ₹29.82 lakh crore, up from 23.66 billion in July.

Is the UPI user count the same as the number of people using UPI?

No. It counts users ever onboarded, which can include duplicates and people who stopped using UPI. The number active in a month is lower and not published.

Read next

This is a best guess, not an official statistic. We recheck it monthly. If you have a newer or better source, send it to us.

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