Archive · 11 Dec 2025
Gen Z Redefines Spending in India
Gen Z in India is changing how people use money.
They use digital payments a lot, making over 50 payments a month.
They spend mostly on groceries and food, with small purchases under Rs 2,000.
They are also using credit carefully, often for the first time.
This generation is very thoughtful about their money, using it to learn new skills and save smartly.
Even small cities are joining in, with places like Kanyakumari and Tinsukia seeing many daily UPI transactions.
It shows that young people are shaping India's financial future with every digital payment they make.
72% of Super Money's users are under 30, driving India's digital payment boom.
74% of users make over 50 payments a month, with groceries and food topping spending categories.
Micro-spends dominate, with 76% of transactions under Rs 2,000.
Tier 2 and Tier 4 cities account for over 41% of users, with significant UPI transaction growth in regions like Kanyakumari and Tinsukia.
45% of users are first-time borrowers, preferring secured FD-backed cards, reflecting a cautious approach to credit.
- Who
- Gen Z, primarily under 30, using Super Money's UPI and fintech platform
- What
- A shift in spending habits, with increased digital payments and micro-spends
- When
- The study is based on data from 2025
- Where
- Primarily in India, with significant growth in Tier 2 and Tier 4 cities
- Why
- Gen Z is redefining financial culture, focusing on strategic spending, saving, and responsible credit usage
- Primary Demographic
- 72% of users under 30
- Transaction Frequency
- 74% make over 50 payments/month
- Top Spending Categories
- Groceries (26.16%), Food & Beverages (23.71%)
- Micro-Spends
- 76% of transactions under Rs 2,000
- Regional Growth
- Tier 2 & 4 cities account for 41% of users
- Credit Usage
- 45% are first-time borrowers, preferring secured FD-backed cards
- UPI Transactions
- Kanyakumari: 1,750/day, Tinsukia: 700/day
- Regional Leadership
- Kerala leads in household UPI usage, East is fastest-growing region