Kolkata, 20 May 2026: India’s digital payments revolution has received another major boost, with the BHIM Payments App developed by NPCI BHIM Services Limited recording an impressive 301% jump in transaction volumes during FY26 compared to the previous financial year.
The platform witnessed explosive growth throughout the year, with monthly transaction volumes soaring from 5.93 crore in April 2025 to 21.6 crore in March 2026, reflecting the rapidly growing trust in secure and user-friendly UPI-based payments. The momentum has continued into the new financial year as well, with BHIM processing 22.49 crore transactions worth ₹26,040 crore in April 2026 alone.
West Bengal emerges as a fast-growing digital payments market
West Bengal has emerged as one of the strongest contributors to BHIM’s expansion, showcasing how digital payments are becoming deeply embedded in everyday life. During FY26, 71% of all transactions on the app in the state were peer-to-merchant (P2M) payments, highlighting rising usage for regular shopping, dining and utility payments.
Among the biggest transaction categories:
- Groceries: 22.5%
- Food Outlets & Restaurants: 18.7%
- Quick Commerce: 6.4%
- E-commerce: 3.9%
- Fuel Stations: 3.4%
The growing popularity of RuPay Credit Card on UPI is also indicating a sharp rise in consumer demand for credit-enabled digital payment experiences.
‘Simple, secure and built for every Indian’
Speaking on the strong growth trajectory, Lalitha Nataraj said the success of the platform reflects the increasing confidence of users in a payment ecosystem designed around simplicity, security and accessibility.
She highlighted that BHIM’s adoption in West Bengal is expanding across multiple everyday use cases — from grocery shopping and dining to commuting and online purchases — making digital transactions an inseparable part of modern lifestyles.
Innovation and inclusion driving BHIM’s success
The BHIM Payments App has focused heavily on inclusion and accessibility, offering support for 15+ regional languages including Bengali while also being optimised for low-connectivity environments to expand usage across rural and semi-urban India.
Several innovative features have further accelerated user engagement, including:
- UPI Circle for delegated payments
- Split Expenses for group settlements
- Family Mode for shared expense management
- Spends Analytics for budgeting insights
- UPI Lite Auto Top-Up
- Forex Payments
- Prepaid Recharge
- Rewards on eligible transactions
With digital transactions becoming the backbone of India’s fast-growing fintech ecosystem, BHIM’s record-breaking FY26 performance underlines the country’s accelerating shift towards a smarter, faster and more inclusive cashless economy.
