By Admin 
UPI Payments: The craze of digital payment is continuously increasing in India. In May 2026, UPI made a new record. For the first time, transactions worth Rs 30 lakh crore were done through UPI in a month. However, the real strength of this digital revolution still remains the big cities of the country. Cities like Bengaluru, Mumbai and Pune are at the forefront in terms of UPI usage.
New record made in May
According to NPCI data, more than 18.68 billion transactions took place through UPI in May 2026. The total amount of these transactions reached Rs 29.9 lakh crore, which is the biggest monthly record till date. This figure shows that people in India are increasingly adopting digital payments instead of cash. From small shops to big businesses, UPI has now become a part of everyday life.
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Dominance of big cities continues
Even though UPI has reached the entire country, big cities are still at the forefront in terms of transaction value and usage. According to the report, Bengaluru has emerged as the biggest center of UPI payments. After this comes Mumbai and Pune. There are a large number of employed people, startups and customers using digital services in these cities, due to which UPI transactions also increase.
Usage is increasing even in small cities
Experts say that UPI is no longer limited to just metro cities. Its use is increasing rapidly even in Tier-2 and Tier-3 cities. Grocery stores, vegetable vendors, auto drivers and small traders are also accepting digital payments. However, despite the increase in the number of transactions, big cities are still far ahead in terms of total value.
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Why is UPI increasing?
There are many reasons behind the increasing popularity of UPI. Ease of payment, zero or very low charges, QR code based payment, 24-hour facility and payment directly from bank account, this is the reason why people are now preferring to make mobile payments instead of carrying cash.
The economy is also benefiting
With the increase in digital payments, transactions are becoming more transparent. Due to this, people are no longer dependent on cash and the government is also helping in strengthening the digital economy.