CAUSE
One question. One truth.
“Why is UPI free in India?”
Since 2020, the Indian government and the National Payments Corporation of India have treated UPI as public infrastructure, mandating a zero-fee model for consumers to drive adoption of digital payments.
High confidenceStructural
CURRENT STATE
UPI transactions are free for users, reaching 172 billion transactions worth ₹247 trillion in 2024, which is over 80% of India's digital payment volume. The government subsidizes costs and incentivizes low-value transactions.
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