Overview

• More than 65,000 crore digital transactions valued at over ₹12,000 lakh crore were processed between FY2020 and FY2025, the Finance Ministry told Parliament on July 28.
• The Reserve Bank of India’s Payments Infrastructure Development Fund has deployed around 4.77 crore digital acceptance touchpoints across tier-3 to tier-6 cities, North-Eastern states and Jammu and Kashmir.
• The RBI’s Digital Payments Index reached 465.33 in September 2024, signaling broad growth in digital payment adoption and supporting infrastructure.
• The government collaborated with the RBI, National Payments Corporation of India, fintech companies, banks and state authorities to extend digital payment services into smaller and underserved markets.
• A digital credit assessment model launched in March 2025 enables public sector banks to use transaction data from UPI and other platforms to evaluate MSME creditworthiness internally.