Perceptions of Post Graduate Students towards UPI Transactions - A Study

Kanchu Thirupathi

Department of Commerce, Satavahana University, Karimnagar, Telangana, India.

Ravi Akula *

Department of Commerce and Principal, University College of Commerce and Business Management, Mahatma Gandhi University, Nalgonda, Telangana, India.

*Author to whom correspondence should be addressed.


Unified Payments Interface (UPI) is a technology that powers several bank accounts into a single mobile application, unifying several banking services, smooth fund routing, and merchant payments into one hood. The overall significance of UPI stems from the RBI's and the government's strong ambition and determination to develop a low-cost, easy, and secure digital payment system for the country's enormous population. The RBI and the NPCI have made remarkable efforts to spread the culture of digital payments. Due simplicity, no costs involvement and other reasons the number of UPI transactions are increasing at a faster rate. The portion of young generation in general and students in particular is very significant in transacting through UPI. The present paper is a modest attempt to study and analyse the perceptions of PG students of Satavahana University, Karimnagar, Telangana State. It is found that most of the PG students are approaching UPI for mobile recharge and fund transfer purpose.

Keywords: Digital transactions, United Payment Interface (UPI), students

How to Cite

Thirupathi, K., & Akula, R. (2022). Perceptions of Post Graduate Students towards UPI Transactions - A Study. Asian Journal of Economics, Business and Accounting, 22(24), 48–57.


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