In today’s article, we are going to know about the top 10 UPI apps of India that can be useful for you. With the help of these apps, you can send money anywhere and you can recharge your phone very easily.
What Are UPI Apps?
With the help of Unified Payments Interface (UPI), you can add any bank account to your phone. You can transfer money and make bills, mobile recharge, bill payments very easily without switching between all the banks.
G pay, phone pay, how does Paytm earn money.
All the online transaction companies do not take money from you, then how do they earn money? All the transactions that take place take money from the phone companies. Online companies earn money from all these things. Apart from payment, there are all the services. The company gets commission on all these things and earns money from there.
Top 10 UPI Apps in India (2025)
| Rank | Application Name | Transactions (Volume in Mn) | Transactions (Value in Cr) |
| 1. | PhonePe | 7,984.05 | 11,76,300.32 |
| 2. | Google Pay | 6,140.47 | 8,22,598.36 |
| 3. | Paytm | 1,150.96 | 1,25,739.66 |
| 4. | Navi | 202.53 | 11,317.09 |
| 5. | CRED | 143.07 | 50,979.94 |
| 6. | Amazon Pay | 91.94 | 9,330.97 |
| 7. | WhatsApp Pay | 57.85 | 4,348.19 |
| 8. | BHIM | 30.22 | 9,170.75 |
| 9. | FreeCharge | 21.96 | 4,515.13 |
| 10. | Mobikwik | 20.26 | 3,478.58 |
1. PhonePe
Phone Pay started with a digital based model but in 2016 when NPCI took over UPI, Phone Pay was the first to incorporate it. When Paytm, Gpay, Amazon became wallet based services, Phone Pay promoted direct bank to bank transactions. It was seamless and secure for users. After investments from Flipkart and Walmart, Phone Pay brought digital payments to small shops.
Phone Pay worked well in many villages and with offers like cash back, 10 crore users started using Phone Pay. As the competition grew, Phone Pay introduced facilities like insurance, gold, investment, mutual fund etc.
| short highlight |
◾Ratings: 4.2 stars
◾Downloads: 50 Cr+
📌phone pay link
2. Google Pay
After PhonePe, Google Pay is one of the safest payment apps which provides benefits for every transaction you make. If you make a transaction then you get cashback. In fact, G Pay is one of the best UPI in terms of cashback. You can use it according to your needs. G Pay was initially known as Google Wallet, but in 2015 it was renamed as Android Pay. In 2018, it was named Google Pay.
◾Launch Year: 2011
◾Ratings: 4.4 star
◾Downloads: 100 Cr+
◾G pay link
3.Paytm
The full form of Paytm is pay though mobile. Paytm is an Indian electronic payment company. Which was founded in 2010 by Vijay Shekhar Sharma.
In 2010, psytm was launched as an online mobile recharge website and mobile app. Today, Paytm has become a very big company. Due to its popularity, Paytm is available to every user today. Paytm provides wallet facility through which you can do mobile recharge, bill payment, ticket booking, DTH recharge very easily.
◾Launch Year: 2010
◾Ratings: 4.6 stars
◾Downloads: 50 Cr+
📌 Paytm link
Note :- You must be knowing about all the apps. Only three apps are famous in India. Now I am going to tell you about all the apps. All these apps are not very popular so I am telling you their short form.
Also Read:–Paytm पर RBI का एक और बड़ा मुसीबात !
4. Navi
◾Launch Year: 2023
◾Ratings: 4.2 stars
◾Downloads: 50 Cr+
👉🏿Key Features: Multiple bill payments, health insurance, financial calculators,
Also Read:–RBI ने paytm bank पर क्यों लिया एक्शन ?
5. CRED
◾Launch Year: 2018
◾Ratings: 4.8 stars
◾Downloads: 5 Cr+
👉🏿Key Features: Rewards for credit card payments, UPI transactions, bill
6. Amazon Pay
◾Launch Year: 2019
◾Ratings: 4.2 stars
◾Downloads: 50 Cr+
👉🏿Key Features: Integrated with Amazon, bill payments, cashback offers, secure transactions.
7. WhatsApp Pay
◾Launch Year: 2020
◾Ratings: 4.2 stars
◾Downloads: 500 Cr+
👉🏿Key Features: Payments within WhatsApp chats, secure transactions, user-friendly interface.
8. BHIM (Government-backed UPI app)
◾Launch Year: 2016
◾Ratings: 4.1 stars
◾Downloads: 10 Cr+
👉🏿Key Features: Direct bank transfers, UPI ID payments, QR code transactions.
Also Read:–iQOO Neo 10R – Battery, Display, Camera & More
9. FreeCharge
◾Launch Year: 2010
◾Ratings: 4.2 stars
◾Downloads: 5 Cr+
👉🏿Key Features: Mobile recharges, bill payments, money transfers, and investment options.
10. Mobikwik
◾Launch Year: 2009
◾Ratings: 4.4 stars
◾Downloads: 10 Cr+
👉🏿Key Features: UPI transactions, bill payments, cashback rewards, investment opportunities.
Key UPI Transaction Limits
⏺️Daily transaction limit: Rs.1 lakh (varies by bank)
⏺️Max UPI transactions per day: 20
⏺️High-value transactions (capital markets, insurance, etc.): Rs.2-5 lakh
| FAQs UPI |
Q. Which is the best UPI app in India?
Ans:-It depends on your needs—PhonePe and Google Pay are great for rewards, while Paytm offers a digital wallet.
Q. Is UPI safer than card payments?
Ans:- Yes, UPI transactions are secured with encryption and two-factor authentication.
Q. Which UPI app is government-backed?
Ans:- BHIM UPI, developed by NPCI, is a government-backed app for direct bank transfers.