New Delhi: About 22.35 billion transaction were carried out through the Unified Payments Interface (UPI) in April, Department of Financial Services said on Monday.

In volume terms, UPI transactions grew 25 per cent in April 2026 over the April 2025 when it was 17.89 billion.

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The UPI transactions had touched a record high of 22.64 billion in volume terms in March, up from 20.39 billion recorded in February.

"UPI achieves 22.35 Bn transaction count in April'26!," Department of Financial Services said in a post on X.

UPI combines the ease of use with strong security while following the RBI's two-factor authentication rule. This first factor is the mobile number linked to the user's bank and the second is the UPI PIN, making transactions quick and safe from unauthorised access.

Today, UPI accounts for about 85 percent of all digital transactions in India. Its impact goes beyond national borders, powering nearly 50 per cent of global real-time digital payments.

UPI is already live in eight countries, including the UAE, Singapore, Bhutan, Nepal, Sri Lanka, France, Mauritius, and Qatar. This allows Indians travelling or living there to pay seamlessly without the usual hassles of foreign transactions.

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NPCI, an initiative of the Reserve Bank of India (RBI) and the Indian Banks' Association, is an umbrella organisation for operating retail payments and settlement systems in India (IBA).

It runs the UPI used for real-time payments between peers or at merchants' end while making purchases.

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