10 years of UPI
11 Apr 2026
Every time we’ve considered building a UPI app at Zerodha the conversation always ends at the same place: BHIM already exists.
We could never figure out what we could do differently. It’s kinda surprising that 10 years after UPI, the BHIM app has just 1% market share. I think it should be much higher. If you haven’t tried it, you should; it’s quite slick.
