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Debt, groceries and fuel top UPI spends in August; gaming drops 26%

EntrackrEntrackr ยท 2m ago
Debt, groceries and fuel top UPI spends in August; gaming drops 26%
Medial

Debt, groceries and fuel top UPI spends in August; gaming drops 26% According to NPCI data, debt collection agencies topped the chart with transactions worth Rs 77,007 crore, followed by securities brokers and dealers at Rs 45,687 crore during the last month (August).Unified Payments Interface (UPI) transactions in August 2025 were led by debt collections, groceries, fuel, and utility payments, with several merchant categories crossing Rs 5,000 crore in transaction value. According to NPCI data, debt collection agencies topped the chart with transactions worth Rs 77,007 crore, followed by securities brokers and dealers at Rs 45,687 crore during the last month (August). Among consumer-facing spends, groceries and supermarkets recorded Rs 68,116 crore across 3.1 billion transactions, while service stations (fuel pumps) registered Rs 34,547 crore. Dining also continued to see strong traction with eating places and restaurants at Rs 19,432 crore and fast food restaurants including QSR chains at Rs 14,542 crore. Essential services maintained a steady flow of digital payments. Telecommunication services accounted for Rs 21,218 crore, and utilities such as electricity, gas, water and sanitary stood at Rs 22,368 crore. On the discretionary side, drug stores and pharmacies saw spends worth Rs 12,581 crore, while menโ€™s and womenโ€™s clothing shops and electronics shops reported Rs 11,811 crore and Rs 10,209 crore, respectively. Government services also crossed the Rs 10,000 crore mark. Digital spending on games declined sharply in August. The category logged 271 million transactions worth Rs 7,441 crore, down from 351 million transactions worth Rs 10,076 crore in July. The fall is linked to the ban on real money gaming apps enforced in the second half of the month. Other categories above the Rs 5,000 crore threshold included online marketplaces (Rs 7,822 crore) and liquor stores (Rs 6,116 crore).

PhonePe nears 9 Bn UPI transactions in July; groceries, fast food drive volumes

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PhonePe nears 9 Bn UPI transactions in July; groceries, fast food drive volumes
Medial

PhonePe nears 9 Bn UPI transactions in July; groceries, fast food drive volumes In July 2025, groceries and supermarkets led UPI transactions with 3,032 million (3.03 billion) in volume and Rs 64,882 crore in value, followed by fast food (1.22 billion) and restaurants (1.15 billion). Indiaโ€™s UPI ecosystem continued to be dominated by PhonePe and Google Pay in July as they jointly captured more than 81% of total customer-initiated transaction volume and value. According to data released by the National Payments Corporation of India (NPCI), UPI processed an all-time high of 19.47 billion transactions worth Rs 25.08 lakh crore in July. Out of the total, PhonePe (8.93 billion) accounted for a commanding 45.88% share in terms of volume, followed by Google Pay (6.92 billion) with 35.56%. Of the total transaction value of Rs 25,08,498.09 crore, PhonePe held 48.64%, while Google Pay contributed 35.53%. Together, Google Pay and PhonePe contributed 81.44% of total UPI volume and 84.17% of the value. Paytm stood third with 1,366.05 million transactions, translating to a 7.02% market share by volume and Rs 1,43,650.62 crore in value or 5.73% share. Navi followed with 444.06 million transactions (2.28%) and Rs 23,562.51 crore in value (0.94%). Flipkartโ€™s super.money (252.85 million; 1.30%) and CRED (144.38 million; 0.74%) trailed significantly in volume, though CRED commanded a stronger value share of 2.20% due to higher-value transactions. FamApp by Trio captured 0.64% volume and 0.06% value share, while Amazon Pay and BHIM registered 0.52% and 0.45% of volume, contributing 0.43% and 0.58% in value, respectively. WhatsApp accounted for 0.38% of the volume and 0.22% of the value. Axis Bank Apps recorded 27.79 million transactions (0.14%) and Rs 5,483.32 crore in value (0.22%). The continued dominance of PhonePe and Google Pay shows the consolidation of Indiaโ€™s digital payments market, even as newer players like CRED, Navi, and super.money attempt to chip away at the duopoly with niche offerings and targeted user bases. In July 2025, groceries and supermarkets led UPI transactions with 3,032 million (3.03 billion) in volume and Rs 64,882 crore in value, followed by fast food (1.22 billion) and restaurants (1.15 billion). While service stations and telecom services saw lower volumes, they posted high values, showing larger spends per transaction. Smaller categories like digital goods, pharmacies, and bakeries reflected UPIโ€™s growing reach across everyday purchases. While NPCI has provided category-wise data for the first time, it will take more time to penetrate every segment, as 2.2 billion transactions are still classified under the undefined category.

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