In today’s rapidly growing times, UPI apps in India have achieved a particularly high position in just a few years.
Even the smallest transactions are now happening online, whether it’s online shopping, paying rent, or paying any bill. These transactions are completed within seconds through these apps. There is no need for much effort here, it is handled just like sending a message.
How do we choose the best and suitable platform among so many apps? Is this question disturbing you too? So you are at the right place. This article will clear all your doubts and also tell you which app is best for you.
So let’s know about these amazing UPI apps in India.
List of Top 10 UPI apps in India
Here is the list of UPI apps in India:
| UPI apps | Established In | Founders |
| PhonePe | 2015 | Sameer Nigam, Rahul Chari and Burzin Engineer |
| Google Pay | 2017 (as Tez), rebranded to Google Pay in 2018 | |
| Paytm | 2010 | Vijay Shekhar Sharma |
| CRED | 2018 | Kunal Shah and Rohan Naresh Shah |
| Amazon Pay | 2007 | Amazon |
| BHIM | 2016 | NPCI |
| MobiKwik | 2009 | Bipin Preet Singh and Upasana Taku |
| FreeCharge | 2010 | Kunal Shah and Sandeep Tandon |
| Navi | 2018 | Sachin Bansal and Ankit Agarwal |
| WhatsApp Pay | 2018 | Jan Koum and Brian Acton |
Note: All the information in this article was taken from the internet sources.
1. PhonePe
PhonePe has established itself as the most popular UPI app in India, it has maintained its services both in terms of user base and transaction volume. Launched in 2016 and supported by Walmart, PhonePe continues to set an example in India’s digital payments world.
It provides several features with UPI wallets, easy transferring money, secure transactions and many more, which makes them a top choice by users. It has a 37.3% market share in UPI transactions.
Here are some facts that you should know:
| Headquarters | Bengaluru, Karnataka, India |
| Parent Company | Flipkart (Walmart-owned) |
| Languages Support | More than 11 Indian languages |
| Connected users | 590+ million users |
| Website | https://www.phonepe.com/ |
| Call | 080-68727374 / 022-68727374 |
Why is it the best app for you?
- Easy navigation, even for first-time users
- Available in Hindi, Tamil, Telugu, Bengali, and more
- Wide Range of Services
- Investments & Finance
- Scan and pay at kirana stores, petrol pumps, restaurants, and malls
- Security for transactions
- Discounts with brands and stores
2. Google Pay
Google Pay, formerly known as Tez, is a top-rated UPI app in India, which is developed and managed by Google to provide fast, secure, and excellent digital payment solutions.
It believes in a strong focus on simplicity and trust, and it has quickly become the go-to choice for millions of users across India. It owns more than 35 percent of the market share in UPI transactions.
Here are some facts that you should know:
| Headquarters | New Delhi, India |
| Parent Company | Google LLC |
| Languages Support | More than 10 Indian languages, including Hindi, Bengali, Tamil |
| Website | https://payments.google.com/gp/w/home/signup |
Why is it the best app for you?
- Uses ultrasonic sound
- Smart UPI Transfers
- Schedule payment reminders
- Scan QR codes at stores for fast checkouts
- Security with Google’s advanced AI fraud detection
- Scratch cards and cashback on suitable payments
3. Paytm
Paytm, short for “Pay Through Mobile,” comes into India’s digital payments industry with its top services. It was founded in 2014 and is operated by One97 Communications.
Paytm offers a powerful combination of UPI payments, wallet services, banking, and financial tools, all within a single platform. It creates a 5.93% market share in UPI transactions.
Here are some facts that you should know:
| Headquarters | Noida, Uttar Pradesh, India |
| Parent Company | One97 Communications Ltd. |
| Languages Support | More than 11 Indian languages |
| Connected users | 300+ million users |
| Website | https://paytm.com/ |
| Call | 0120-4440440 |
Why is it the best app for you?
- Unified Payments Interface (UPI)
- Paytm Wallet
- Paytm Payments Bank
- Automatic bill detection and reminder alerts
- Financial Services
- QR codes for local stores and small businesses
- Movie ticket booking with instant cashback
- Special offers on wallet and bill payments
4. CRED
CRED is more than just a UPI app, it’s a rewards–based credit management platform created for users with high credit scores. It was established in 2018 by Kunal Shah.
CRED has made itself an amazing centre for financially responsible users who want to manage credit card payments, UPI transfers, rewards, and even investments in a smart, secure environment.
Here are some facts that you should know:
| Headquarters | Bengaluru, Karnataka, India |
| Parent Company | Dreamplug Technologies Private Limited |
| Languages Support | English (focused on urban user base) |
| Connected users | 16+ million users |
| Website | https://cred.club/ |
Why is it the best app for you?
- Send and receive money using your personal UPI ID
- Handle and pay multiple credit card bills
- CRED Coins & Rewards
- Pay at partner merchants using CRED and earn rewards
- Financial Tools
- Authentication & app lock
5. Amazon Pay
Amazon Pay is Amazon’s digital payment hub in India, combined directly into the Amazon shopping app. It is known for facilitating innovative services on Amazon, it has grown into a UPI payment app in India.
It provides transfers, bill payments, recharges, and a rewards ecosystem, without needing any separate app for it.
Here are some facts that you should know:
| Headquarters | Seattle, Washington, United States |
| Parent Company | Amazon India |
| Languages Support | English, Hindi, Tamil, Telugu, Kannada, Malayalam |
| Connected users | 100+ million users |
| Website | https://www.amazon.in/amazonpay/home |
Why is it the best app for you?
- Instant money transfer with UPI ID, phone number, or QR code
- Mobile/DTH recharges, electricity, and LPG bill payments
- Buy now, pay later option with zero-interest EMIs
- Amazon Pay Wallet
- Cashbacks & Rewards
- One-click option on Amazon using UPI or wallet balance
6. BHIM
BHIM stands for Bharat Interface for Money, an outstanding UPI-based mobile payment app managed by the National Payments Corporation of India (NPCI).
Founded to facilitate digital transactions and financial services, BHIM is simple, secure, and designed only with the motive of users new to digital payments. It’s lightweight, easy to use, and free from any problem, also suitable for both urban and rural India.
Here are some facts that you should know:
| Headquarters | Mumbai, Maharashtra, India |
| Parent Company | National Payments Corporation of India (NPCI) |
| Languages Support | More than 13 Indian languages, including Hindi, Bengali, Tamil |
| Website | https://www.bhimupi.org.in/about-bhim |
| Call | 22 40009100 |
Why is it the best app for you?
- Scan and pay at shops or sellers using UPI QR codes
- Mobile recharges, bills with direct bank payment
- Easy tracking of sent, received, and pending transactions
- Send and receive money using UPI ID, mobile number, or QR code
- UPI PIN and device lock (PIN/fingerprint) for improved security
- Enables payments even without an internet connection
7. MobiKwik
MobiKwik is a fantastic fintech company founded in 2009, providing a rich digital wallet, UPI payments, and a wide range of financial services.
It has strong user support in many cities. MobiKwik has grown into a multi-functional app that includes payments, credit, insurance, and investing, all in a mobile app.
Here are some facts that you should know:
| Headquarters | Gurgaon, Haryana, India |
| Parent Company | One MobiKwik Systems Limited |
| Languages Support | English, Hindi |
| Connected users | 140+ million users |
| Website | https://www.mobikwik.com/ |
| Call | 080-69808320 |
Why is it the best app for you?
- Load and store money in the wallet for faster transactions
- Send/receive money using UPI ID, mobile number, or QR codes
- Use ZIP to shop now and pay later with flexible repayment
- Bill Payments & Recharges
- Invest in mutual funds and digital gold
- Amazing deals with food, travel, and lifestyle brands
- Widely accepted at kirana stores, malls, petrol stations, and online stores
8. FreeCharge
FreeCharge is a well-known digital payments platform in India that provides UPI-based payments, mobile recharges, bill payments, and financial products.
It was established as a recharge platform, FreeCharge has developed into a service app that supports UPI transactions and a variety of financial services, promoted by the Snapdeal group and now part of Axis Bank.
Here are some facts that you should know:
| Headquarters | Gurugram, Haryana India |
| Parent Company | Axis Bank |
| Languages Support | English, Hindi |
| Connected users | 60+ million users |
| Website | https://www.freecharge.in/ |
| Call | 9773579100 |
Why is it the best app for you?
- Prepaid wallet for quick payments
- Set automatic bill reminders to avoid late fees
- Recharge prepaid/postpaid mobiles across all operators
- UPI Payments
- Cashback and scratch cards on recharges and UPI payments
- Instant personal loans and credit through Axis Bank partnership
- Scan QR codes at stores for fast UPI and wallet payments
9. Navi
Navi is a quickly growing fintech company founded by an entrepreneur, Sachin Bansal. It offers secure transactions to its users.
It started with loans and insurance products, and Navi has developed itself by providing UPI payments, savings accounts, mutual funds, and credit services under one app, also focused on simplicity and transparency.
Here are some facts that you should know:
| Headquarters | Bangalore, Karnataka, India |
| Parent Company | Navi Technologies Limited |
| Languages Support | English |
| Connected users | 1 million users |
| Website | https://navi.com/ |
| Call | 81475 44555 |
Why is it the best app for you?
- Personal loans with minimal paperwork and competitive interest rates
- Savings Account
- Instant loan approval
- Insurance facility
- Mutual Funds & Investments
- Transparent pricing with no hidden charges
10. WhatsApp Pay
WhatsApp Pay is the UPI-based payment service merged directly into WhatsApp, It allows users to send and receive money instantly within chats.
WhatsApp’s amazing user base in India is increasing constantly. WhatsApp Pay offers an excellent, familiar, and secure way to make digital payments without leaving the app. It becomes a smart choice for millions of users.
Here are some facts that you should know:
| Headquarters | California, USA |
| Parent Company | Meta Platforms Inc. |
| Languages Support | Multiple Indian languages, including Hindi, English |
| Connected users | 100+ million |
| Website | https://www.whatsapp.com/payments/in |
Why is it the best app for you?
- Easy Setup
- Send and receive money instantly through UPI within chat windows
- UPI PIN authentication for all payments
- View past payments and receipts under WhatsApp Pay settings
- Pay friends or family instantly in group chats for shared expenses
- Supports Indian regional languages to ease usage across various users
Conclusion
India has rapidly moved towards a cashless economy, and the UPI apps in India are contributing a lot to this. It has become an essential part of our day-to-day life.
Whether it is about paying any bill, going shopping or sending money to someone, it solves all the problems related to money very easily and quickly.
Many such platforms have become people’s favourites with their features and services, which include PhonePe, Google, CRED, BHIM, and many more. Before choosing the best app, it is also important to look at its factors, such as personal needs, rewards, investment features, and money transfers.
FAQs
Which is the best UPI app in India in 2025?
The top and best UPI apps in India include PhonePe, Google Pay, Paytm, BHIM, CRED and many others. Each has its unique features, services, and procedures.
Which UPI app in India is directly related to the Indian government?
BHIM is a Unified Payment Interface (UPI). It is developed by the National Payment Corporation of India (NPCI) as a not-for-profit company. It is operated by the Reserve Bank of India.
Is any UPI app safe to use for money transfers?
Yes, UPI apps are completely safe when they are used correctly. They are secured by 2FA (Two-Factor Authentication) and protected by your UPI PIN.
