UPI Apps Ranking 2025

The digital payment revolution in India continues to accelerate, and as of June 2025, PhonePe is leading the list of the Top UPI apps in India. Based on data shared by the National Payments Corporation of India (NPCI), PhonePe processed over 8.54 billion UPI transactions, claiming a 46.46% market share.

For students preparing for SSC exams, this information is highly relevant for the General Awareness section, especially in the topics related to banking, economy, and current affairs.

What is UPI and Why Is It Important?

Unified Payments Interface (UPI) is a real-time mobile-based payment system that allows direct bank-to-bank transfers. It is managed by the NPCI and regulated by the Reserve Bank of India (RBI). With the rapid adoption of digital payments across India, UPI has become a key part of the economy.

Due to its importance, understanding the Top UPI apps in India and their performance is valuable for SSC aspirants preparing for questions related to UPI apps, the digital economy, and technological trends.

Top UPI Apps in India: June 2025 Rankings

Below is a table showing the Top UPI apps in India in June 2025, based on transaction volume and market share:

PhonePe remains the leader among the most used UPI apps in India, while Google Pay and Paytm continue to maintain strong user bases. The UPI app ranking for 2025 is crucial knowledge for understanding the best UPI apps 2025 in India.

Comparison of UPI Apps by Transaction Volume

A detailed comparison of UPI apps by transaction volume in 2025 shows the clear dominance of PhonePe. It leads by over 2 billion transactions compared to Google Pay, with Paytm holding the third spot.

This trend among the top payment apps in India shows how UPI India is centered around a few high-performing apps, all of which are approved by NPCI.

New UPI Apps Approved by NPCI in India

While the major players dominate, newer UPI apps approved by NPCI in India are gaining ground:

• Navi (approved in 2023 as TPAP): 406.01 million transactions, 2.21% share

• Super. money (approved in 2024): 218.96 million transactions, 1.19% share

These popular UPI platforms are not yet among the Top UPI apps in India, but their steady growth shows that the ecosystem is expanding.

State-Wise UPI Usage in India

According to NPCI, state-wise UPI usage in June 2025 was highest in:

• Maharashtra – 8.8%

• Karnataka – 5.61%

• Uttar Pradesh – 5.15%

These figures highlight where digital payments are most active and where the most reliable UPI apps for daily use are being adopted rapidly.

Best UPI Apps 2025 for Android Users

For users searching for the UPI apps for Android with high performance and security, the following are recommended:

• PhonePe – Smooth interface, high success rate

• Google Pay – Quick response, strong bank integrations

• Paytm – Wallet plus UPI features

• Navi – Light app, improving user base

• Super. money – Cashback and simplified interface

All of these contribute to the Top UPI apps in India, especially for those looking for the UPI apps with the fastest transaction success rate.

Relevance to SSC Exams

If you're preparing for SSC CGL, CHSL, or other exams, knowing about the Top UPI apps in India helps in:

• General Awareness (Banking, Economy, Technology)

• Understanding trends in digital payments

• Answering questions about payment apps and the role of NPCI

Remember these key facts:

• PhonePe leads with 46.46% market share.

• Google Pay and Paytm follow in second and third.

• New UPI apps like Navi and Super Money are rising.

• Maharashtra has the highest state-wise UPI usage.

Final Thoughts

The dominance of PhonePe, Google Pay, and Paytm among the Top UPI apps in India highlights the rapid growth and adoption of digital payments across the country. With over 18 billion transactions each month, UPI has become a core part of India’s financial system.

For SSC aspirants, understanding this transformation is essential for exams covering economics, current affairs, and technology. The rise of new players like Navi and Super. Money also indicates a competitive and evolving landscape.

As digital transactions become the norm, staying informed about the best UPI apps 2025 and their performance will not only help in competitive exams but also in making smarter digital choices.