Indore Tops MP In Digital Payments With 51% UPI Adoption, Well Above 33% National Average
Bhopal (Madhya Pradesh): Indore tops in Madhya Pradesh in terms of adoption of digital transactions. About 51% of the account holders (both current and savings) in banks in Indore use digital means like UPI for making payments for goods and services consumed by them. Indore is followed by Ujjain and Bhopal where 45% of account holders use digital means. This is much higher than the national…
Indore has emerged as the leading district in Madhya Pradesh when it comes to digital payment adoption, with 51% of its bank account holders opting for UPI and other digital means. This figure surpasses the national average of 33%, indicating a high level of digital transaction usage in the region. Following Indore, Ujjain and Bhopal come next, with 45% of their account holders using digital payment methods.
This represents a significant increase in digital transaction adoption in Ujjain, which saw an 9.99% rise in 2025-26 compared to previous years.
The trend of digital payment adoption extends beyond the top three districts, with eight other districts in Madhya Pradesh registering usage levels above the national average. These districts include Singrauli, Ratlam, Gwalior, Satna, and Sehore. However, there are also districts where digital payments are less favored, such as Damoh, Panna, Shivpuri, Chhindwara, Damoh, and Tikamgarh, where less than 20% of account holders utilize UPI for transactions.
Indore and Bhopal dominate the state's digital economy, accounting for nearly half of all transactions in terms of volume. Gwalior, Jabalpur, and Ujjain contribute around 30% of the volume, driven by activities like daily retail shopping, tourism, and a large student population. Other districts like Sagar, Satna, Rewa, and Ratlam account for up to 20% of the state's digital transactions, mainly driven by the Aadhaar Enabled Payment System for direct benefit transfers and monthly ration distributions.
Predominantly rural districts like Jhabua, Alirajpur, and Dindori contribute about 10% of the state's digital transaction volume, with transactions primarily related to government benefit transfers and ration distributions. According to an RBI official, lower adoption of digital payment methods in some areas can be attributed to lack of awareness and fear of risk among the populace.
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