top 5 upi payments applications of india.1.pdf

top 5 different upi applications of india. types, advantages, dis-advantgaes etc.

1. Business skills series {bss}
Presented by
K. Sathvik
BBA 2 Year
ND

2. TOP 5 UPI APPS
CONTEXTS
1.INTRDODUCTION.
2.UPI APPS.
3.ADVANTAGES AND
DISADVANTAGES.
4.TIMELINE OF UPI
TRANSACTIONS.
5.BIG PLAYERS IN MARKET.

3. INTRODUCTION
Unified Payments Interface (UPI) has revolutionized digital
payments in India by enabling instant, secure, and seamless
money transfers between bank accounts via mobile devices.
Launched by the National Payments Corporation of India
(NPCI), UPI has become a cornerstone of India’s cashless
economy. This presentation highlights the top 5 UPI apps
driving digital transactions across the country.
01

4. 1.FAMPAY
2.NAVI UPI
3.SUPER MONEY
4.JUPITER
5.PAYPAL
TOP 5 UPI APPS.
02

5. FAM PAY
03
FamPay—recently rebranded as FamApp—is the first
neo‑bank UPI/payment platform designed specifically
for teenagers (ages ~11–17) in India. Launched by IIT
Roorkee alumni, it allows minors to make online and
offline payments via UPI without requiring a traditional
bank account. It offers a unique numberless prepaid
card (FamCard) partnered with IDFC Bank and RuPay
and features dynamic “Flash PINs” for secure offline
payments. Parents can supervise spending, set limits,
and top up their child’s

6. NAVI UPI
04
Navi UPI, offered by the fintech company Navi
Technologies, is a fast-growing digital payment
platform in India. Known for its clean interface and
focus on user convenience, it enables seamless UPI-
based transactions such as money transfers, bill
payments, and QR-based merchant payments. What
sets Navi apart is its integration with personal finance
services—users can also access instant loans,
insurance, and mutual fund investments within the
app. Its rising transaction volume reflects its growing
trust among users, especially in urban and semi-
urban areas.

7. SUPER MONEY
05
Super Money is a UPI-based payment app launched
by Flipkart's fintech arm. It offers a unique “credit-
first” approach by allowing users to make UPI
payments using RuPay credit cards, along with regular
bank accounts. Known for its clean interface and
quick setup, the app also provides cashback on
merchant transactions, making it a rewarding option
for users. In addition to UPI, Super Money offers
financial products like fixed deposits, credit lines, and
a secured credit card, positioning itself as an all-in-
one financial solution.

8. JUPITER
06
Jupiter, developed by the fintech startup Jupiter Money in
partnership with Federal Bank and CSB Bank, offers a modern
UPI experience bundled with neobanking features. With RBI-
approved PPI support, the app enables fast and secure UPI
transactions—including scan-and-pay, contact-to-contact
transfers, and UPI Lite—while also offering a savings account,
budgeting tools, automatic investment pots, and cashback
rewards. Users linking a RuPay credit card through Jupiter can
earn up to 2% cashback on UPI spends, though only within
select categories and subject to redemption via the Jupiter
account.

9. 07
PAYPAL
PayPal is a globally recognized online payment platform
that enables individuals and businesses to send and
receive money across more than 200 countries. In India,
users can link debit or credit cards—including RuPay
cards—to their PayPal account, and transact
internationally without sharing sensitive bank details . It
supports cross-border payments using automatic
currency conversion, with transaction limits up to
US $10,000 and typical settlement within a couple of
days .

10. 08
✅ Advantages
Instant Transfers
Real-time money transfers,
24/7 availability.
Simple interface; no need for
bank details or IFSC codes.
Most transactions are free or
cost very little.
Two-factor authentication and
RBI/NPCI regulation.
❌ Disadvantages
Internet Required
Transaction Limits
Daily limits on number and
amount of transactions.
Delays or failures during high
server load.
Fraud Risks
Vulnerable to phishing and
scam UPI links if users are
careless.
Transaction failures if the
linked bank’s server is down.
ADVANTAGES AND DIS-ADVANTAGES

11. 09
2016 – UPI launched by NPCI; BHIM app introduced.
2017 – PhonePe, Paytm, Google Pay adopt UPI.
2018 – UPI hits 100M+ transactions/month.
2020 – Becomes India’s top digital payment mode.
2022 – UPI123Pay & UPI Lite launched.
2023 – RuPay credit cards linked to UPI.
2024–25 – UPI goes global (UAE, Singapore, France,
etc.).
Timeline of UPI in India

12. 10
PhonePe 46.46%
India’s No.1 UPI app with 8.5B+ monthly transactions.
Google Pay 35.56%
Clean UI, deep Android integration, strong P2P usage.
Paytm 6.90%
Focused on merchant & QR-based micro payments.
Navi UPI 2.21%
Emerging app with fast growth & personal finance tools.
Super.money 1.19%
Flipkart’s app offering UPI + credit + cashback rewards.
App NameMarket Share(%)

13. THANKYOU.