State-wise UPI Transactions in India (June 2026)

India’s Unified Payments Interface (UPI) continues to dominate the country’s digital payment ecosystem, enabling billions of instant bank-to-bank transactions every month. Developed by the National Payments Corporation of India (NPCI), UPI has transformed the way individuals and businesses make payments through mobile applications.

Maharashtra remained India’s largest UPI market during June 2026, followed by Uttar Pradesh, Karnataka, Tamil Nadu and Telangana. Together, these states accounted for a significant share of the country’s total UPI transaction volume.

Quick Highlights

Key Takeaways

State-wise UPI Transaction Data (June 2026)

The following table ranks all Indian states and union territories by UPI transaction volume for June 2026. Transaction values are reported in ₹ crore, while market share represents each state’s contribution to the national total.

Rank	State / UT	Volume (Mn)	Volume Share	Value (₹ Cr.)	Value Share
1	Maharashtra	2221.42	9.78%	267412.66	9.25%
2	Uttar Pradesh	1221.7	5.38%	153254.31	5.30%
3	Karnataka	1175.34	5.17%	166247.17	5.75%
4	Tamil Nadu	908.74	4.00%	141792.15	4.90%
5	Telangana	900.79	3.97%	147929.06	5.11%
6	Andhra Pradesh	632.22	2.78%	108222.52	3.74%
7	Gujarat	567.66	2.50%	84731.57	2.93%
8	Rajasthan	557.02	2.45%	82563.71	2.85%
9	Delhi	516.17	2.27%	66103.83	2.29%
10	Bihar	502.75	2.21%	70130.89	2.42%
11	West Bengal	486.19	2.14%	67568.46	2.34%
12	Madhya Pradesh	479.06	2.11%	66758.42	2.31%
13	Kerala	454.91	2.00%	63489.63	2.20%
14	Haryana	438.82	1.93%	61564.62	2.13%
15	Odisha	305.71	1.35%	40134.36	1.39%
16	Assam	238.73	1.05%	24410.81	0.84%
17	Punjab	234.65	1.03%	39874.25	1.38%
18	Jharkhand	191.82	0.84%	24960.98	0.86%
19	Chhattisgarh	145.87	0.64%	18939.56	0.65%
20	Uttarakhand	134.18	0.59%	16961.9	0.59%
21	Jammu & Kashmir	101.23	0.45%	13096.6	0.45%
22	Himachal Pradesh	71.39	0.31%	9484.49	0.33%
23	Goa	36.09	0.16%	5485.34	0.19%
24	Chandigarh	26.99	0.12%	3424.31	0.12%
25	Arunachal Pradesh	24.55	0.11%	3117.28	0.11%
26	Puducherry	21.33	0.09%	2996.42	0.10%
27	Meghalaya	19.12	0.08%	2254.97	0.08%
28	Manipur	17.95	0.08%	3268.34	0.11%
29	Tripura	16.81	0.07%	2157.59	0.07%
30	Mizoram	15.16	0.07%	2097.27	0.07%
31	Nagaland	14.42	0.06%	2003.89	0.07%
32	Dadra & Nagar Haveli and Daman & Diu	11.09	0.05%	1222.69	0.04%
33	Sikkim	10.23	0.05%	1397.18	0.05%
34	Ladakh	5.4	0.02%	1015.53	0.04%
35	Andaman & Nicobar Islands	4.09	0.02%	618.81	0.02%
36	Lakshadweep	0.69	0.00%	69.98	0.00%

Key Insights

Maharashtra processed over 2.22 billion UPI transactions during June 2026, making it the largest digital payments market in India. Its combination of a large urban population, strong banking infrastructure, and high merchant acceptance has helped maintain its leadership position.

Uttar Pradesh ranked second in transaction volume, reflecting the rapid adoption of digital payments across India’s most populous state. Karnataka followed closely, while also recording one of the highest transaction values due to its strong presence of technology companies and higher-value business transactions.

Southern states—including Karnataka, Tamil Nadu, Telangana and Kerala—continue to perform strongly, highlighting the region’s mature digital payment ecosystem. Delhi remained the leading Union Territory by both transaction volume and value.

At the other end of the rankings, smaller Union Territories such as Lakshadweep and Ladakh accounted for only a tiny fraction of India’s total UPI transactions, mainly due to their relatively small populations.

Top 10 States by UPI Transaction Volume

The chart below compares India’s ten largest UPI markets based on transaction volume during June 2026.

Maharashtra alone processed over 2.22 billion UPI transactions during June 2026, nearly twice that of Uttar Pradesh. Together, Maharashtra, Uttar Pradesh, Karnataka, Tamil Nadu and Telangana accounted for a significant share of India’s digital payment ecosystem.

Insights from the Data

Urban Dominance

States with large metropolitan regions such as Maharashtra, Karnataka, Tamil Nadu and Delhi continue to dominate India’s digital payment ecosystem.

Population Matters

Large states like Uttar Pradesh and Bihar generate enormous transaction volumes because of their population size and growing smartphone adoption.

Higher Value Transactions

Karnataka and Telangana record higher transaction values relative to their transaction volume due to greater business and technology-related payments.

UPI Everywhere

Every Indian state and union territory now records significant UPI activity, highlighting the nationwide adoption of digital payments.

Frequently Asked Questions (FAQs)

Which state recorded the highest number of UPI transactions in June 2026?

Maharashtra ranked first with approximately 2.22 billion transactions.

Which state ranked second?

Uttar Pradesh recorded about 1.22 billion transactions, making it the second-largest UPI market.

How many UPI transactions were processed in India during June 2026?

NPCI reported approximately 22.70 billion UPI transactions worth ₹28.9 lakh crore.

What is UPI?

Unified Payments Interface (UPI) is an instant real-time payment system developed by NPCI that enables users to transfer money directly between bank accounts using mobile devices.

Who publishes this data?

The state-wise UPI statistics are published by the National Payments Corporation of India (NPCI).