Young India is a truly dynamic breed, and that is apparent from almost all sectors in which they are involved. Whether it be their politics, raising their voice against social issues, interacting with digital platforms and even the way they spend their money, it is quite interesting the moves they make.
As per a new report, data reveals how young India is spending its money. The report points out how the financial instincts of Gen Z and young millennials are shifting dramatically.
Instead of going for flashy gadgets or designer clothes, they are increasingly directing their cash toward everyday needs, frequent small-value transactions and practical lifestyle choices that reflect both digital habits and economic realities.
This seems to touch upon several aspects of the youth of India and how they deal with money, choosing digital convenience and experiences over brand names and using financial literacy to budget their savings in a smart and personalised manner.
What Did The Report Reveal?
Recently, Super.money, a financial services platform and UPI app by Flipkart, collected data from millions of UPI transactions, to figure out what are the spending habits of young Indians.
This data was put together in the company’s first superSpends 2025 report, which witnessed, contrary to usual, the Indian youth’s daily spending is structured around frequent, low-value transactions and essentials rather than big-ticket purchases.
Digital payments have been embraced wholeheartedly by the young generation, with the report finding that around 74 per cent of users made more than 50 UPI payments per month. Besides this, a significant number of them even crossed 200 monthly transactions on digital payment platforms.
The report by the app, whose 72% of users are under the age of 30, saw a distinction between metro and small towns as well, with Tier 2 and Tier-4 cities amount to 41% of users.
Read More: Watch: 5 Money Habits India’s Gen Z Think Are Smart But Experts Disagree
The report further noticed that frequent, low-value transactions and essentials rather than big-ticket purchases were leading the UPI payments, with most of the transactions coming in the category of micro-spends.
According to the report, 76% of transactions were under Rs. 200, which included purchases like small treats, everyday essentials, groceries, and such, indicating that young people are more engaged in small, regular spends rather than sporadic luxury shopping.
The report also witnessed a sharp rise in food orders between midnight and 6 am, while the period from 6 to 11 am saw a peak in grocery and daily needs purchases and is said to be the time that sees the highest volume of transactions.
Furthermore, the 7 to 8 pm time slot on a Friday sees the highest number of transactions in a week. The report has dubbed this as the “I earned this” hour, believing that it is youngsters indulging in some small comforts after a stressful and long week.
In addition to spending on essentials, the report also notes rising interest in subscriptions, particularly for education and upskilling, indicating that young Indians increasingly view spending through the lens of personal growth and future earning potential.
This suggests a blend of consumption and investment that goes beyond simply satisfying wants.
Credit use among young Indians is also evolving. Around 45% of users are first-time borrowers, and many prefer secured, FD-backed cards rather than traditional unsecured credit. This points to a generation approaching borrowing with more caution and financial awareness than seen in some past generations.
Image Credits: Google Images
Sources: The Economic Times, India Today, CNBCTV18
Find the blogger: @chirali_08
This post is tagged under: Young India, Digital Payments, Spending, UPI, UPI payment, UPI india, UPI young indians, personal finance, gen z, gen z money, UPI transactions
Disclaimer: We do not hold any rights or copyright over any of the images used; these have been taken from Google. In case of credits or removal, the owner may kindly email us.
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