The Upi Generation: Understanding The Spending Habits Of Indian Youth

Author(s)	Ms. Sailli Chougule, Ms. Amruta Mucchala
Country	India
Abstract	This study explores how the Unified Payments Interface (UPI) has influenced the financial habits of young people in India. Since its launch by the National Payments Corporation of India in 2016, UPI has become a part of everyday transactions, from paying for food to shopping online. For this project, data was collected from 100 respondents aged 18 to 30 through an online questionnaire. Most participants shared that they prefer UPI because it is fast, secure, and easy to use, though many also admitted that the convenience sometimes leads to unplanned spending. Several respondents said UPI helps them track expenses better, as every transaction is recorded digitally. The findings show that while UPI has made payments smoother and promoted digital awareness, it has also created new challenges related to self-control and online safety.
Keywords	UPI, digital payments, spending habits, Indian youth, financial literacy, fintech behavior, cashless economy
Published In	Volume 7, Issue 6, November-December 2025
Published On	2025-12-25
DOI	https://doi.org/10.36948/ijfmr.2025.v07i06.65955

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