Archive · 25 Sep 2025
Digital Payments Surge in Indian Retail: Report Finds
Digital payments are becoming super common in India!
A new report says that 74% of money spent in stores in big cities is now done digitally using things like UPI and cards.
This is a big jump from just 45% a couple of years ago.
The shift is happening because it's easy and trustworthy.
Younger business owners are leading the way, and even older stores are catching up.
The government is helping by making digital payments cheaper, and the goal is to boost the whole economy.
Digital transactions account for 74% of retail spending in top Indian cities.
This represents a significant increase from 45% two years ago.
India's digital retail transactions reached nearly Rs 98 lakh crore in FY25.
Younger entrepreneurs generate nearly 80% of revenues digitally.
Older retailers have increased digital adoption from 40% to 68% in two years.
- Who
- NeoGrowth
- What
- Reported on digital payment trends in Indian retail.
- When
- Not explicitly stated, but the data is from FY25 and the report is the 9th edition.
- Where
- India's top 29 cities
- Why
- To analyze the adoption and impact of digital payments in retail.
- Study Title
- How India Pays
- Report Source
- NeoGrowth
- Digital Retail Transactions (FY25)
- Nearly Rs 98 lakh crore
- Overall Digital Transaction Share
- 74% in top 29 cities
- Digital Share Two Years Prior
- 45%
- Leading Digital Adoption Cities
- Hyderabad, Bengaluru, Pune
- Digital Adoption - Younger Entrepreneurs
- 80% of revenue
- Digital Adoption - Older Retailers
- Increased from 40% to 68% in two years
