Ka UPI ka la paw kum kawei na ki nongrim bajop tam ki jingdon jingem digital na ka bynta ki paidbah ka India

New Delhi, Nailar 24: Ka Unified Payments Interface (UPI), kaba la sdang ha ka 25 tarik Nailar 2016 da ka National Payments Corporation of India (NPCI) hapoh ka jingpeit bniah jong ka Reserve Bank of India (RBI) ka la dap 10 snem ka jingpynkylla ïa ka rukom siew digital ha India. Ka UPI ka la paw kum u budlum jong ka rukom siew digital jong ka India bad ka bor kaba kongsan jong ka jingkynthup lang ha ka kam pisa tyngka.
Palat shiphew snem jong ka jingtreikam, ka UPI ka la pyni ïa ka jingheh bad ka bor kaba phylla. Ka jingbun jong ki jingsiew jingdiah man la u snem ka la kiew na tang 1.78 klur tylli ki jingsiew jingdiah ha u snem mang tyngka 2016-17 sha palat 24,162 klur tylli ki jingsiew jingdiah ha u snem mang tyngka 2025-26, kaba pyni ïa ka jingkiew kaba la jan 13,000 shah ha ka jingbun ki jingsiew jingdiah. Ha kajuh ka por, ka jingsiew jingdiah ka la kiew bha na ka T.0.07 lak klur ha u snem mang tyngka 2016-17 sha kumba T.314 lak klur ha u snem mang tyngka 2025-26, kaba pynkylla sha ka jingkiew kaba palat 4,000 shah ha ka jingsiew jingdiah.
Ka UPI ka la paw kum kawei na ki nongrim ba jop tam jong ki jingdon jingem digital na ka bynta ki paidbah jong ka India, kiba ai ïa ka rynsan ban siew mardor kaba pyntreilang, kaba plie lad ïa ki jingsiew jingdiah ba khlem jingeh hapdeng ki nongdie nongthied lyngba kawei ka application. Mynta, kadei ka rukom siew kaba la jied da ki million ngut ki nongpyndonkam, kaba pynkylla ïa ka rukom siew jong ka India. Da kaba weng ïa ka jingïapher ha ka kam digital, ban kyntiew ïa ka jingkynthup lang ha ka kam pisa tyngka, bad ban pynïar ïa ka jinglah ban ïoh ïa ki jingshakri digital ha ka kam pisa tyngka, ka UPI ka la pynkupbor ïa ki briew bad ka imlang sahlang ha kylleng ka ri katba ka dang kyntiew ïa ka jingïashim bynta ha ka ïoh ka kot kaba kham ïar.
Kane ka jingpynïar ha kajuh ka por ha ka jingbun ka pyni ïa ka bynta kaba jylliew jong ka UPI ha kaba kyrshan ïa ki jingsiew ba jia man ka por. Ka jingheh kaba ym pat ju jia mynno mynno ruh, ka jingshaniah, bad ka jingïatreilang kaba la ïoh da ka UPI ka la ïoh ïa ka jingithuh ha ka pyrthei, ha kaba ka International Monetary Fund (IMF) ka la ithuh ïa ka kum ka rukom siew mardor kaba heh tam ha ka pyrthei da ka jingbun ki jingsiew jingdiah, kaba pyni ïa ka jinglong nongïalam jong ka India ha kaba tei ïa ki jingdon jingem digital na ka bynta ki paidbah kiba lah ban pynheh, kiba ai bynta lang, bad kiba thymmai.
Ka jingkhlaiñ jong ka kam, ki bank, ki app bad ka jaka. Ki Bank ki treikam ha ka UPI, ka jingïashim bynta kaba ym pat ju jia mynno mynno ruh.
Ka UPI ka la sakhi ïa ka jingpynheh kaba skhem bad kaba ïar ha ka jingïashim bynta jong ki jaka treikam naduh ba la sdang ïa ka. Ka jingdon jong ki bank kiba treikam ha ka UPI ka la kiew na ki 44 tylli ki bank ha u snem mang tyngka 2016-17, u snem ba nyngkong jong ka jingtreikam, sha ki 703 tylli ki bank ha u snem mang tyngka 2025-26. Kane ka jingpynrung ka kynthup ïa ki bank sorkar, ki bank shimet, ki finance bank kiba rit, ki payment bank, bad ki cooperative bank, kaba plie lad ïa ka UPI ban poi sha ki jaka ba jngai. Kawei pa kawei ka bank ka treikam kum ka Remitter PSP (processing outgoing transactions) bad/lane ka Beneficiary PSP (receiving funds), ryngkat bad ka NPCI kaba buddien ïa ki jingthew jong ka jingtreikam na ka bynta baroh ki nongïashim bynta.
Ka jingphiah ïa ka jingsiew, ka jingbishar bniah ïa ka P2P & P2M
Ka jingbishar bniah ïa ki jingsiew UPI ka pyni ïa ka jingïapher kaba shai hapdeng ka jingbun bad ka dor ha ki jait jingsiew bapher bapher. Ki jingsiew na ki briew sha u nongkhaïi (P2M) ki long 63% na ka jingbun jong ki jingsiew baroh, kaba pyni ïa ka jingpyndonkam kaba jur ïa ka UPI na ka bynta ki jingsiew ba ai man ka por, kiba duna dor. Ha ka jingïapher, ki jingsiew hapdeng ki briew (P2P) ki dei kiba bun tam na ki jingsiew, kaba nohsynñiang 71%, kaba pyni ïa ka jingpyndonkam jong ki na ka bynta ki jingpyndonkam kiba kham bun hapdeng ki briew. Kane ka jingïapher ka pyni ïa ki arbynta jong ka UPI kum ka rynsan siew pisa paidbah bad ka lad ba lah ban shaniah na ka bynta ki jingsiew ba kham heh.
Ha u snem mang tyngka 2026, ki jingsiew UPI kiba la kot sha ka 24,162 klur ki pyni ïa ka jingpynïasoh kaba jylliew jong ka rynsan ha ka jingpyndonkam ïa ka jingsiew digital man ka sngi ha kylleng ka ri, da ka jingsiew kaba khlaiñ bha ha ka bynta jong ki nongkhaïi. Ki jingsiew P2M ki long kiba la kyntiew da ka jingsiew tiket kaba rit, ha kaba 86% hapoh T.500, kaba pyni ïa ka jingpynïasoh kaba jylliew jong ka UPI ha ka jingdie khutia kaba man ka sngi bad ka khaïi pateng kaba man ka sngi, wat ki jingsiew kiba kham heh ki dang ïaibteng ban kiew. Ki jingsiew P2P ki pyni ruh ïa ka jingpyndonkam kaba jylliew na ka bynta ki jingphah pisa ba duna dor (59% hapoh T.500), katba ka 41% ki jingsiew kiba palat T.500 ka pyni ïa ka jingkiew ka UPI ha kaba pynsuk ïa ki jingsiew shimet ba man ka por bad ka jingphah pisa kaba kham heh.
UPI ha ka pyrthei
Kaei kaba la sdang kum ka jingsaiñdur ïa ki jingsiew hapoh ka ri mynta ka la kylla sha ka nuksa ïa ka pyrthei ha ki jingsiew digital.
Haduh u snem 2025, ka UPI ka don haduh 49 % ka jingbun ki jingsiew mardor ha ka pyrthei, u mawmer ba la ithuh da ka IMF.
Da kaba don palat 66 klur ki jingsiew man ka sngi, ka UPI ka la tam ia ka rukom siew ha ka pyrthei, kaba pynskhem ïa ka kyrdan jong ka India kum ka nongïalam ha ka pyrthei ha ki jingsiew digital kaba kloi, kaba shngaiñ, bad kaba kynthup lang ïa baroh.
Ka UPI ka la paw ruhkum ka rynsan ha ka pyrthei na ka bynta ki jingsiew digital sha shiliang pud bad ka treikam mynta ha ki 11 tylli ki ri, kata ka United Arab Emirates, France, Bhutan, Sri Lanka, Nepal, Singapore, Mauritius, Qatar, Cambodia, Greece bad Maldives.
Ka Lynti shakhmat, ki shiphew snem ban wan jong ka UPI
Ki shiphew snem ban wan jong ka UPI ka la pynkhreh ban kyntiew ïa ka jingkylla kaba khamheh ha ka kam siew digital jong ka India. Da kaba wanrah ïa ki nongpyn donkam bad ki nongkhaïi bathymmai sha ka rynsan UPI, ka Sorkar India ka dang ïaibteng ban plie lad ïa ka bynta ka ban wan jong ka jingsaiñdur ba la ïalam da ka UPI bad ban pynkhlaiñ ïa ka rukom siew digital jong ka India lyngba ka jingkyrshan jong ki polisi ba ïai bteng, ka jingkiew ha ka teknoloji, bad ka jingkynthup lang kaba kham bun.