India Digital Payments Fee & MDR Workbench

Modeling UPI Infrastructure Cost-to-Serve, Zero-MDR Policy Deficits, and Fiscal Offsets
Policy Presets:
Network Parameters
15.2B
₹850
58%
18.5p
20 bps (0.20%)
₹2,000
₹1,500 Cr
Annual Network Cost ₹3,374.4 Cr Issuers, Acquirers & Switches
Annual P2M Volume ₹89.92 T 105.8B merchant txns
MDR Revenue Yield ₹2,571.1 Cr Capped Exemption
Industry Net Balance +₹696.7 Cr After Subsidy & MDR
Stakeholder Economics Waterfall Status: Viable
Stakeholder Gross Share Operational Cost Subsidy Share Net Economics
Ticket Size Distribution & Exemption
74.2% of txns are micro-merchants (<₹2,000) paying ₹0 MDR.
Unit Cost vs Volume Curve (Paise/Txn)
Fixed infrastructure costs amortize as transaction volume expands.
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