India Real-Time Payments Fee Simulator

Simulation Presets

Fee & Volume Parameters

Monthly Transactions (Millions) 14,500 M

Average Ticket Size (INR) ₹850

Target Fee Rate (Basis Points) 15.0 bps

Volume Tier Distribution

Large Enterprise / E-Com 10%

Small & Medium Retailers 25%

Peer-to-Peer (P2P Residual) 65%

          Effective MDR (Merchants)
          11.25 bps
          Blended across commercial volume
        

          Merchant Cost Impact
          0.13%
          Including standard 18% GST
        

Monthly Gross Revenue ₹1,383.28 Cr Switch & acquirer fee pool

Sustainability Index High (Self-funding) NPCI & bank infrastructure coverage

P2P Policy Status Exempt for sub-threshold P2P Consumer retail threshold protected

Payment Volume vs Fee Contribution by Tier

Large Enterprise Small Merchant P2P Free Tier

Segment Economic Impact & Net Margins

Tier Segment	Share	Monthly Volume	Gross Transaction Value (GTV)	Tier Fee Rate	Monthly Revenue (INR)	Status

Macro Insight from CNBC Inside India Report: India's UPI processes upwards of 14 billion monthly transactions. Zero-MDR policies fostered unprecedented financial inclusion, but bank switch maintenance and fraud prevention costs have strained network participants. Transitioning to a tiered MDR model balances retail growth with sustainable ecosystem funding.