New Delhi: UPI Autopay is becoming one of the most rapidly expanding units of the Indian digital payments environment. According to the data provided by the National Payments Corporation of India (NPCI), the rate of recurring payments using the UPI Autopay doubled during the last year, which can be described as a drastic change in the way the consumers process subscriptions and regular bills.
The surge is seen at a time when UPI establishes itself as the mode of payment of choice in the country. Net banking and debit cards being compulsory are gradually giving way to UPI, which is gaining popularity due to convenience, application on a large scale, and increased transaction capacity.
Autopay transactions see sharp rise across banks
In the case of the 10 largest banks, the UPI Autopay transactions were approximately 926 million in November 2025, including 530.5 million in November 2024. Although the ranking of the top banks has experienced certain fluctuations, all the volumes are indicating a high and continuous growth.
State Bank of India topped the charts with almost 290 million UPI Autopay transactions alone being processed in November 2025. Airtel Payments Bank, which is a payments bank, registered 89.7 million recurring transactions, which is a high increment compared to the 25.6 million the previous year. The magnitude of the growth is more easily understood in comparison to November 2023, when the SBI had to process only 3.8 million of such transactions.
NPCI launches portal to manage UPI mandates
NPCI has implemented a new portal, upihelp.npci.org.in, to facilitate this fast adoption. The platform has a chatbot, utilising which users can follow the history of repayments, see active requirements, and update or cancel current UPI Autopay settings.
The portal will be dedicated to enhancing transparency and providing greater control to users of recurring payments as the volume of mandates maintains an upward trend in sectors like subscriptions, investments and utilities.
Higher limits fuel adoption
The other major factor that has contributed to the growth is the increase in transaction limits. In December 2020, NPCI permitted recurring UPI Autopay of up to Rs 1 lakh to be done without second-factor authentication under particular types. These are investments in mutual funds, payment of credit card bills and insurance payments.
In other types, the amount for which the transaction can be done without a PIN is still kept at Rs 15000. Nevertheless, the reforms have enabled UPI Autopay to be more feasible concerning the large recurrent payments.
UPI tightens grip on digital payments
The UPI Autopay boom is an extension of the UPI dominance of the payments market in India. The platform has a monthly transaction volume of approximately 20 billion transactions, which is a lot higher than other means of digital payments, reported by ET.
Recent reports indicate that the alternatives like IMPS, FASTag, and RuPay debit cards have either not grown or have grown at a slower rate, with the majority of the incremental growth going straight into UPI. With the mass migration of recurring payments to the Internet, UPI Autopay is rapidly becoming the default system among millions of users nationwide.
