India | Aurato

India
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India's payments market is defined by UPI's interoperable account-to-account infrastructure, accessed through apps such as PhonePe and Google Pay. Cards, wallets and other bank rails serve additional needs at enormous scale, across a population of about 1.46 billion people in 2025.

Population

1.5B

GDP

$4.0T

GDP per Capita

$3K

GDP Growth

7.6%

Deepdive

World Bank, World Development Indicators (WDI), 2025

Cash in India

UPI is replacing some of India's small cash purchases, yet physical cash continues to be significant across household spending. A vast merchant QR network is changing payment habits without removing the need for rupee banknotes.

ATMs (PER 100K)

24.0

BANKS (PER 100K)

14.8

DEBIT CARDS (PER ADULT)

0.9

CREDIT CARDS (PER ADULT)

0.1

Compare

IMF, Financial Access Survey (FAS), 2025