Archive · 6 Sep 2026
Indore Leads Madhya Pradesh in UPI Adoption at 51%
Indore is the leading district in Madhya Pradesh for using digital payments.
About 51 out of every 100 bank account holders there use methods such as UPI.
Ujjain and Bhopal are next, with 45 out of every 100 account holders using digital payments.
Across India, the average is 33 out of every 100 account holders.
Eight districts in Madhya Pradesh are above that national average.
Some districts have adoption rates below 20 percent.
Rural areas often use digital systems for government payments and ration distribution.
An RBI official said people may avoid digital payments because they do not know how to use them or worry that they are risky.
About 51% of Indore bank account holders use digital payments such as UPI.
Ujjain and Bhopal follow Indore, with digital-payment adoption at 45% each.
Eight Madhya Pradesh districts exceed the 33% national average for digital transactions.
Ujjain recorded the largest increase in digital-payment use, rising 9.99% in 2025-26.
An RBI official cited limited awareness and concerns about risk as reasons for lower adoption in some districts.
- Who
- Bank account holders in Madhya Pradesh, particularly in Indore, Ujjain and Bhopal, along with an RBI official.
- What
- Digital-payment adoption varies widely across Madhya Pradesh, with Indore recording the highest reported use at 51%.
- When
- The reported increase in Ujjain occurred in 2025-26; the article does not specify a separate reporting date.
- Where
- Across districts of Madhya Pradesh, India.
- Why
- Adoption is higher in some districts because of digital retail, tourism and student activity, while limited awareness and fear of risk reduce use in others.
Digital Payments Expand Access
Concerns Limit Adoption
Reasons for nonuse
Digital Payments Expand Access
Digital payments are widely used for retail purchases, tourism, student-related spending and person-to-merchant transactions in higher-adoption districts.
Concerns Limit Adoption
An RBI official said some people avoid digital payments because they lack awareness or fear that using them is risky.
Choice versus barriers
Digital Payments Expand Access
People who choose not to use digital payments are exercising a personal preference, according to the RBI official’s distinction.
Concerns Limit Adoption
The official said nonuse is a concern when it results from people not knowing how to use digital systems or believing they are unsafe.
- Indore adoption
- 51% of bank account holders use digital payments.
- Ujjain and Bhopal adoption
- 45% of account holders in each district use digital payments.
- National average
- 33% use digital transactions.
- Highest increase
- Ujjain recorded a 9.99% increase in 2025-26.
- Above-average districts
- Eight districts exceed the national average, including Indore, Bhopal, Ujjain, Singrauli, Ratlam, Gwalior, Satna and Sehore.
- Lower-adoption districts
- Damoh, Panna, Shivpuri, Chhindwara and Tikamgarh were reported below 20%; Damoh is listed twice in the source.
- Rural transaction use
- Jhabua, Alirajpur and Dindori mainly use digital systems for government benefit transfers and monthly ration distribution.