UPI Completes 10 Years | UPI ने 10 Years Complete किए
English: India’s Unified Payments Interface completed ten years of operations on 25 August 2026. UPI became operational on 25 August 2016 and has since emerged as the world’s largest real-time payment system by transaction volume, according to the source. Its rapid expansion has transformed retail payments in India by enabling instant, interoperable bank-to-bank transfers.
हिंदी: India के Unified Payments Interface यानी UPI ने 25 August 2026 को operations के 10 years complete किए। UPI 25 August 2016 को operational हुआ था और source के अनुसार transaction volume के आधार पर world’s largest real-time payment system के रूप में emerge हुआ है। इसने instant और interoperable bank-to-bank transfers enable करके India के retail payment ecosystem को transform किया है।
Developed by NPCI | NPCI द्वारा विकसित
English: UPI was developed by the National Payments Corporation of India. NPCI was established in 2008 as an initiative of the Reserve Bank of India and the Indian Banks’ Association. Its headquarters is in Mumbai.
हिंदी: UPI को National Payments Corporation of India यानी NPCI ने develop किया। NPCI की establishment 2008 में Reserve Bank of India और Indian Banks’ Association की initiative के रूप में हुई। इसका headquarters Mumbai में है।
Massive Growth in Transactions | Transactions में Massive Growth
English: Annual UPI transactions increased from approximately 1.78 crore in FY 2016-17 to more than 24,162 crore in FY 2025-26. This illustrates the enormous increase in adoption of digital payments across individuals, merchants and businesses.
हिंदी: Annual UPI transactions FY 2016-17 में approximately 1.78 crore से बढ़कर FY 2025-26 में 24,162 crore से अधिक हो गए। यह individuals, merchants और businesses में digital payments की massive adoption को show करता है।
Growth in Transaction Value | Transaction Value में Growth
English: The value of annual transactions rose from about ₹0.07 lakh crore to approximately ₹314 lakh crore over the same period. This shows that UPI is no longer limited to small peer-to-peer transfers and has become a core retail-payment rail.
हिंदी: Same period में annual transaction value approximately ₹0.07 lakh crore से बढ़कर around ₹314 lakh crore हो गई। इससे पता चलता है कि UPI अब केवल small peer-to-peer transfers तक limited नहीं है बल्कि core retail-payment rail बन चुका है।
Daily Transaction Scale | Daily Transaction Scale
English: By 2026, average daily UPI transactions were approximately 66 crore. The high daily volume reflects deep integration of UPI into regular purchases, merchant payments and person-to-person transfers.
हिंदी: 2026 तक average daily UPI transactions approximately 66 crore थीं। High daily volume UPI के regular purchases, merchant payments और person-to-person transfers में deep integration को show करता है।
Global Share | Global Share
English: UPI accounted for around 49% of global real-time payment transaction volume in 2025, according to the source. This highlights India’s leading position in instant digital payments.
हिंदी: Source के अनुसार 2025 में UPI का global real-time payment transaction volume में approximately 49% share था। यह instant digital payments में India की leading position को highlight करता है।
International Expansion | International Expansion
English: UPI-linked payment arrangements have expanded to countries including the UAE, France, Singapore, Sri Lanka, Mauritius and Nepal. International linkages can support Indian travellers, cross-border merchants and broader payment interoperability.
हिंदी: UPI-linked payment arrangements UAE, France, Singapore, Sri Lanka, Mauritius और Nepal जैसे countries तक expand हुए हैं। International linkages Indian travellers, cross-border merchants और broader payment interoperability को support कर सकते हैं।
Growth in Participating Banks | Participating Banks में Growth
English: The number of live banks on UPI increased from 21 at launch to about 741 by July 2026. This wide banking participation is one of the key reasons behind UPI’s interoperability and nationwide reach.
हिंदी: UPI पर live banks की संख्या launch के समय 21 से बढ़कर July 2026 तक approximately 741 हो गई। Wide banking participation UPI की interoperability और nationwide reach के key reasons में से एक है।
What Makes UPI Different? | UPI की विशेषता
English: UPI enables customers to transfer money instantly between participating bank accounts through a common interoperable platform. It supports multiple applications while allowing the underlying bank account to remain the source or destination of funds.
हिंदी: UPI common interoperable platform के through participating bank accounts के बीच instant money transfer enable करता है। Users different applications use कर सकते हैं जबकि underlying bank account funds का source या destination बना रहता है।
Important Points for Exams | परीक्षा के लिए महत्वपूर्ण तथ्य
- UPI completed 10 years on 25 August 2026. | UPI ने 25 August 2026 को 10 years complete किए।
- UPI became operational on 25 August 2016. | UPI 25 August 2016 को operational हुआ।
- UPI was developed by NPCI. | UPI को NPCI ने develop किया।
- FY 2016-17 transactions: about 1.78 crore. | FY 2016-17 transactions: approximately 1.78 crore.
- FY 2025-26 transactions: more than 24,162 crore. | FY 2025-26 transactions: 24,162 crore से अधिक.
- FY 2025-26 transaction value: around ₹314 lakh crore. | FY 2025-26 transaction value: around ₹314 lakh crore.
- Average daily transactions by 2026: about 66 crore. | 2026 तक average daily transactions: approximately 66 crore.
- Global real-time payment share in 2025: around 49%. | 2025 global real-time payment share: around 49%.
- Live banks by July 2026: about 741. | July 2026 तक live banks: around 741.
- NPCI was established in 2008 and is headquartered in Mumbai. | NPCI 2008 में established हुआ और headquarters Mumbai में है।
