MUMBAI — India's UPI payment rail averaged 76.3 crore transactions per day in July 2026, while NETC FASTag transaction volumes declined on both a monthly and a year-on-year basis, according to a report by TNN.
UPI processed 2,366 crore transactions in July, up 4.1% from 2,272 crore in June and up 22% year-on-year. NETC FASTag processed 34.7 crore transactions in July, down 4.1% from 36.2 crore in June and down 6% from a year earlier.
UPI: volumes and value rise in July
According to the report, the value of UPI transactions rose to Rs 29.88 lakh crore in July from Rs 28.92 lakh crore in June, an increase of 3.3%. That value remained marginally below the Rs 29.9 lakh crore recorded in May. UPI handled an average of 76.3 crore transactions daily in July, up from 75.7 crore in June, while the average daily transaction value stood at Rs 96,383 crore, almost unchanged from Rs 96,405 crore in June.
| UPI metric | June 2026 | July 2026 | Reported change |
|---|---|---|---|
| Total transactions | 2,272 crore | 2,366 crore | +4.1% month-on-month; +22% year-on-year |
| Total transaction value | Rs 28.92 lakh crore | Rs 29.88 lakh crore | +3.3% month-on-month |
| Average daily transactions | 75.7 crore | 76.3 crore | — |
| Average daily transaction value | Rs 96,405 crore | Rs 96,383 crore | Almost unchanged |
NETC FASTag: transactions and value fall
NETC FASTag processed 34.7 crore transactions in July, down 4.1% from 36.2 crore in June and down 6% compared with a year earlier, according to the same report. The value of NETC FASTag transactions stood at Rs 7,143 crore in July, down 1% from Rs 7,215 crore in June. It was also lower than the Rs 7,308 crore recorded in May.
| NETC FASTag metric | June 2026 | July 2026 | Reported change |
|---|---|---|---|
| Total transactions | 36.2 crore | 34.7 crore | -4.1% month-on-month; -6% year-on-year |
| Total transaction value | Rs 7,215 crore | Rs 7,143 crore | -1% month-on-month |
Reading the "Rs 76 crore/day" headline
The source headline describes UPI at "Rs 76cr/day;" the underlying data point is the transaction count, not the value. UPI handled an average of 76.3 crore transactions daily in July, up from 75.7 crore in June. The average daily value of those transactions was Rs 96,383 crore.
UPI handled an average of 76.3 crore transactions in July daily, up from 75.7 crore in June.
Reference points for payment and logistics operators
For marketplace operators, B2B platforms and logistics managers tracking India's digital payment rails, the July 2026 report provides these reference points:
- UPI transaction count grew 22% year-on-year and 4.1% month-on-month to 2,366 crore.
- UPI transaction value rose 3.3% month-on-month to Rs 29.88 lakh crore, yet stayed below May's Rs 29.9 lakh crore.
- NETC FASTag transactions declined 4.1% month-on-month and 6% year-on-year to 34.7 crore.
- NETC FASTag value declined 1% month-on-month to Rs 7,143 crore, below May's Rs 7,308 crore.
The July figures were reported by TNN with a Mumbai dateline. For payment infrastructure users in commerce and logistics, the two networks moved in opposite directions in the same month: UPI scaled to a new monthly transaction high, while NETC FASTag volumes and values declined from both the prior month and the May level.
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