Biometric UPI Transactions Surpass 611 Million in June 2026

UPI transactions utilizing on-device biometric authentication reached a significant milestone, exceeding 611 million transactions. This surge in usage represents a total transaction value of ₹25,416 crore, highlighting a robust trend toward the adoption of biometric-based payment methods for daily financial activities.

Enhanced Payment Convenience and Security:
The biometric authentication feature allows users to authorize transactions through their smartphone’s built-in fingerprint or facial recognition capabilities. This technology offers several benefits for digital payments, including:

Reduced PIN Dependency: By leveraging device-based biometrics, the system decreases reliance on traditional UPI PINs.

Improved Efficiency: The feature facilitates faster transaction completion times.

Higher Success Rates: The authentication process helps improve overall transaction success rates.

Versatility: It supports both Person-to-Person (P2P) and Person-to-Merchant (P2M) payments.

Expansion to RuPay Credit Cards:
A key driver of this adoption is the integration of biometric authentication with RuPay Credit Card on UPI transactions. This capability allows for PIN-free credit payments, providing the same level of speed and convenience for credit-based transactions as it does for those linked to savings accounts.

Future Outlook:
Sohini Rajola, Executive Director – Growth at NPCI, noted that the significant adoption of this feature demonstrates a clear user preference for simpler and more efficient payment experiences. As more banks and UPI applications continue to enable this ecosystem, NPCI anticipates continued growth in the coming months, further cementing UPI’s role in providing secure and frictionless digital payment solutions for Indians.