UPI apps trending November 2025 India: By 2025, UPI applications are integrated into daily transactions in India, becoming a necessity of digital transactions. These apps make digital payments to be smooth and instant, whether it is paying utility bills or transferring money to friends. By November 2025, the market has seen a handful of UPI apps dominating the market and gaining popularity as well as trust among users. We will discuss the best trending UPI applications in India in the month.
UPI apps trending November 2025 India
1. PhonePe
PhonePe still controls the UPI market in India. Being a payment app with an intuitive interface and a broad financial service offer, PhonePe is not only a financial application. It offers:
- UPI transfers and bill payments
- Investment options like mutual funds and gold
- Insurance services
- Exclusive cashbacks and offers
It has strong security measures such as the device-based fingerprint verification and UPI PIN security, which makes it one of the safest apps to be used by Indian users.
2. Google Pay (GPay)
Google Pay remains a favorite for millions of Indians due to its simple and clean interface. Key features include:
- Instant UPI transfers
- Bill payments and recharges
- Advanced fraud detection for secure transactions
Although GPay may offer fewer cashback options compared to other apps, it is highly trusted for its speed and reliability.
3. Paytm
Paytm is a hybrid platform that combines UPI, wallet, and postpaid services. In addition to easy payments, Paytm allows users to:
- Make payments using personalized UPI IDs for added privacy
- Pay at small shops via QR code scanning
- Access loyalty rewards and discounts
Paytm remains popular among both urban and semi-urban users due to its wide acceptance and versatile features.
4. BHIM UPI
Developed by NPCI, BHIM UPI is the official government-backed app. It offers:
- Simple and lightweight interface for easy use
- Direct bank transfers via UPI
- High trust factor due to government support
Ideal for users who prefer a straightforward and secure digital payment experience without extra features.
5. CRED UPI
CRED UPI is designed for premium users who actively manage their credit cards. The app allows:
- UPI transactions linked with credit card payments
- Reward points conversion into UPI transactions
- A sleek, modern interface for a premium experience
CRED UPI is gaining popularity among young professionals and tech-savvy users.
6. TWID UPI
TWID UPI is one of the new entrants in the market, offering a unique feature:
- Users can redeem loyalty or reward points during UPI payments
- Supports instant transfers with cashback and incentives
This app is trending among users who want to maximize rewards and benefits from everyday transactions.
Why These UPI Apps Are Trending
- Wide Acceptance: Apps like PhonePe and Paytm are accepted at millions of stores and online platforms.
- Multiple Services: Beyond payments, these apps offer investments, insurance, and loyalty programs.
- Innovation: New features like reward point redemption in TWID and personalized UPI IDs in Paytm attract users.
- Security and Trust: Government-backed BHIM and robust security features of PhonePe and GPay ensure user confidence.
- User Convenience: Clean interfaces and quick transfers make digital payments hassle-free.
Conclusion
Digital payments become popular in India, so it is possible to select the appropriate UPI app and improve your financial comfort and safety. Applications such as PhonePe, Google Pay, Paytm, BHIM, CRED and TWID are at the top of the trend in November 2025. You like speed, rewards, or security, there exists a UPI app that is made to your specifications.
Braj Verma is a resident of Rajgarh in Madhya Pradesh and is a content writer and freelancer by profession. He has a degree in Political Science from Barkatullah University, Bhopal. He has expertise in subjects like credit cards, banking, loan, insurance, political analysis and digital marketing.