Top UPI Apps Dec 2025

Market Share of Top 5 UPI Apps in India – December 2025

The image is an infographic showing the market share of the top five UPI (Unified Payments Interface) apps in India, presented in two donut charts:

Value-wise market share

Volume-wise market share

The data source is NPCI, and the infographic is credited to Entrackr.

1. Value-wise Market Share

This chart represents the share based on the total value of transactions.

PhonePe: 48.68% (largest share)

Google Pay: 34.25%

Paytm: 6.32%

Others: 9.05%

Navi: 1.28%

Super.money: 0.42%

Key insight:

PhonePe dominates UPI transactions by value, accounting for nearly half of all transaction value.

2. Volume-wise Market Share

This chart represents the share based on the number of transactions.

PhonePe: 45.35% (largest share)

Google Pay: 34.64%

Paytm: 7.65%

Others: 7.89%

Navi: 3.14%

Super.money: 1.33%

Key insight:

PhonePe also leads in transaction volume, while Paytm and Navi have a slightly higher share by volume compared to value.

3. Market Share of Other Apps

A table at the bottom breaks down smaller UPI apps:

App Name

By Value

By Volume

FamApp by Trio

0.07%

0.74%

BHIM

0.73%

Cred

2.11%

0.73%

Axis Bank Apps

0.50%

0.69%

0.26%

0.46%

Overall Summary

PhonePe is the clear market leader in both transaction value and volume.

Google Pay is a strong second with roughly one-third market share.

Paytm holds a moderate share, with better performance in volume than value.

Smaller apps collectively make up less than 10% of the market in both categories.

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