Top UPI Apps in Nov 2025

Top UPI Apps based on Transaction Volumes.

Here are the UPI apps ranked by total transaction volume in October 2025:

Rank UPI App Number of Transactions (Oct-2025) Share by Volume*

1 PhonePe ~ 9,412 million (~9.4 billion) ~ 45.47%

2 Google Pay ~ 7,166 million (~7.1 billion) ~ 34.62%

3 Paytm ~ 1,523 million (~1.52 billion) ~ 7.36%

4 Navi ~ 574.30 million ~ 2.77%

5 super.money (Flipkart) ~ 264.79 million ~ 1.28%

6 CRED ~ 157.99 million — (smaller share)

7 BHIM ~ 125.70 million < 1%

8 Amazon Pay ~ 94.32 million < 1%

Here are the UPI apps ranked by transaction value in October 2025, based on NPCI / industry-reports:

Rank UPI App Approx. Transaction Value (Oct 2025) Share of Total UPI Value

1 PhonePe ~ ₹ 13,06,401.90 crore ~ 47.88%

2 Google Pay ~ ₹ 9,54,186.10 crore ~ 34.98%

3 Paytm ~ ₹ 1,67,177.27 crore ~ 6.13%

4 CRED ~ ₹ 62,438.03 crore ~ 2.29%

5 Navi ~ ₹ 30,618 crore (≈ ₹ 306.18 billion) ~ 1.12% (derived from reports)

6 super.money ~ ₹ 10,964 crore ~ 0.40%

7 BHIM ~ ₹ 19,416 crore ~ 0.71%

Notes / Observations:

The total UPI value for October 2025 was ~₹ 27,27,790.68 crore.

PhonePe and Google Pay together account for around 82–83% of UPI value in October.

Though CRED is lower in transaction volume, its value share (~2.29%) is relatively higher, indicating bigger-ticket payments.

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