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AnalysisIBEFWednesday, 16 September 2026NEW

UPI Continues to Remain Free for Peer-to-Peer Transactions and 96% of Merchant Transactions

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Research or analytical publication — an evidence-based assessment informing policy design and evaluation. Shapes the intellectual framework within which policy debates occur.
Summary
UPI will remain completely free for all person-to-person transactions and for 96% of merchant transactions under the new framework. A nominal MDR will apply only to larger merchant payments above Rs. 2,000, with proceeds supporting small merchant adoption.
Key Facts
TypeAnalysis
SourceIndia Brand Equity Foundation
PublishedWednesday, 16 September 2026
Affected Population~850 million internet users, 75,000+ startups
Key Numbers
Rs 15,000 crore for Digital India initiatives
UPI: 14 billion monthly transactions
850 million+ Aadhaar-linked mobiles
ICDS: 8 crore beneficiaries under 6
Key Authorities
Ministry of Electronics & ITTRAICERT-InMinistry of Women & Child DevelopmentNCPCR
Key Stakeholders
Internet UsersTech CompaniesStartupsChildrenAdolescentsAnganwadi Workers
Government Context
NDA IIIBJP-led NDA
Centre-Right
LeftCentreRight
Explore Sectors
Digital & Technology298 tracked→Child Rights & Youth33 tracked→
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