India's UPI network clocked 19.63 billion payments worth ₹24.9 lakh crore in September 2025. PhonePe led with 8.96 billion transactions, trailed by Google Pay's 6.83 billion. Paytm held 7.1% share as Navi and FamApp surged ahead. Even with a slight dip in volumes, UPI’s daily average value crossed ₹82,000 crore, a new benchmark.