Top 10 UPI Apps in India 2026
India processed over 200 billion UPI transactions in 2025, the most of any digital payment system in the world. Here are the ten UPI apps Indians use most, ranked by their share of UPI transactions in NPCI's May 2026 data.
The full ranking — 10 picks
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Top pickRank 1. PhonePe
PhonePe Pvt LtdIndia's most-used UPI app with the largest market share. Excellent uptime, smooth merchant integration, and a full financial services stack (mutual funds, insurance, gold).
Photo: PhonePe · Wikipedia/Wikimedia · Public domain -
Rank 2. Google Pay
GoogleClean interface, the most reliable connection to most banks, and minimal feature bloat. Cashback offers are sporadic but the core UPI experience is rock-solid.
Photo: Wikipedia/Wikimedia · Editorial use -
Rank 3. Paytm
One97 CommunicationsThe original digital wallet app pivoted to UPI. Strong on merchant payments and offers, with built-in bill pay, mobile recharge and a full ecosystem of features.
Photo: Lakshmisreekanth · Wikipedia/Wikimedia · CC BY-SA 4.0 -
Rank 4. Navi
Navi TechnologiesNavi's UPI app grew on cashback and a no-frills interface to become India's fourth-largest UPI app, with about 3.6% of UPI transactions in May 2026. Founded by Flipkart co-founder Sachin Bansal.
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Rank 5. super.money
FlipkartFlipkart's standalone UPI app, launched in 2024 around cashback on everyday payments. It handled about 1.8% of UPI transactions in May 2026, fifth among all apps.
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Rank 6. BHIM
NPCIThe government-backed UPI app. Lean, ad-free, no third-party tracking. Sometimes feels slower than the big private apps but it's the most no-nonsense option.
Photo: BHIM · Wikipedia/Wikimedia · Public domain -
Rank 7. FamApp
Trio (FamPay)The FamPay app for teenagers and young adults, with UPI payments that do not need a full bank account for under-18s. About 0.85% of UPI transactions in May 2026.
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Rank 8. Cred
Dreamplug TechnologiesPremium UPI experience with credit-card-bill-pay rewards and an aspirational feel. Targeted at higher credit-score users; the offers can be genuinely valuable.
Photo: Wikipedia/Wikimedia · Editorial use -
Rank 9. WhatsApp Pay
MetaUPI inside WhatsApp — most useful for sending money to contacts you already chat with. Limited extra features, but the lowest-friction way to pay a friend.
Photo: WhatsApp · Wikipedia/Wikimedia · Public domain -
Rank 10. Amazon Pay UPI
Amazon IndiaIntegrated into the Amazon app — useful if you're already shopping there. Offers regular cashbacks on grocery and bill payments. Less polished as a standalone UPI app.
Photo: Amazon.com, Inc. · Wikipedia/Wikimedia · Public domain
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About this list
Top 10 UPI Apps in India 2026 runs from 1 to 10. PhonePe takes the top spot, and Amazon Pay UPI closes it out at number 10. It was first published on 27 May 2026 and last revised on 24 September 2026.
Spotted something out of date, or an entry you would rank differently? Tell us — the order on this page is revised as the picks change.
