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Below the Quote on UPI transaction Data of November Month by Anup Agarwal, Co-founder Kiwi

"November’s UPI numbers once again show how deeply digital payments have entered everyday India. More than 20 billion transactions and over Rs.26 lakh crore in value reflect not just scale but a mature habit. Even after October’s record highs, activity in November remained steady, which shows the level of trust and reliability people now associate with UPI.

The year-on-year growth tells an even stronger story. Last November, UPI processed around 15 billion transactions and about Rs.21 lakh crore in value. The sharp rise to today’s levels shows how rapidly digital confidence is spreading across every part of the country.

Alongside this rise, there is a clear shift in how consumers are beginning to use UPI. Credit on UPI is emerging as an important part of this journey, giving users the flexibility to manage expenses, maintain cash flow and build a stronger credit footprint while continuing to pay through a familiar and trusted interface. This behaviour is becoming more visible with each passing month and will play a meaningful role in shaping the next phase of India’s digital financial ecosystem."

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