Launched publicly on 25 August 2016 after a pilot with twenty‑one banks.
Monthly payment count grew from about one hundred million to more than two thousand three hundred million by 2026.
Introduced tools such as the BHIM mobile app, QR code scanning, and UPI AutoPay for recurring bills.
Added support for feature‑phone users through voice calls and missed‑call methods.
Expanded internationally to eleven countries, including Bhutan, Nepal, Singapore, and France.
It lets anyone move money using a phone, without needing cash.
Features like QR codes, automatic bill reminders, and voice‑call payments were added over the years.
By 2026 the system handled billions of payments each month, even for tiny purchases.
Other nations have started using the same technology for their own money transfers.
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