NPCI Posts 42% Jump in FY25 Profit to Rs 1,552 Crore
The National Payments Corporation of India (NPCI), the backbone of India’s digital payment infrastructure, reported a robust 42% surge in its FY25 net profit, reaching Rs 1,552 crore. The strong performance was driven by continued expansion in digital transaction volumes and steady fee-based revenue from its platforms, including the Unified Payments Interface (UPI).
NPCI’s operating income for the year ended March 2025 rose by 19% year-on-year to Rs 3,270 crore, compared to Rs 2,749 crore in FY24, according to an ICRA report. The surge came as total transactions across its digital payment platforms increased 33%, rising to Rs 21,360 crore in FY25 from Rs 16,100 crore the previous year.
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As a not-for-profit entity, NPCI refers to its bottom line as ‘surplus after tax’ rather than net profit. The surplus rose from Rs 1,095 crore in FY24 to Rs 1,552 crore in FY25, reflecting higher operating leverage as digital payment adoption deepened nationwide.
The corporation maintains a strong liquidity position, with Rs 2,288 crore held in cash and bank balances, along with access to Rs 13,667 crore in credit lines from partner banks. Its Settlement Guarantee Fund (SGF) reached Rs 17,892 crore as of March 31, 2025, including Rs 2,695 crore allocated to the Bharat Bill Payment System.
In terms of governance, NPCI’s shareholding base has grown to 65 banks as of May 2025, up from the original 10 promoters. These include public sector banks, private lenders, foreign institutions, cooperative banks, payment banks, and regional rural banks. Founding institutions include SBI, PNB, Canara Bank, Bank of Baroda, ICICI Bank, HDFC Bank, and HSBC, among others.
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The organisation’s net worth stood at Rs 6,412 crore, underlining its robust financial foundation as it continues to scale operations and enhance digital infrastructure across the country. NPCI also follows a conservative risk model, capping its exposure at Rs 5 crore per product.
With digital payment volumes continuing to grow and UPI becoming the dominant retail transaction channel in India, NPCI remains well-positioned to lead the next phase of the country’s fintech evolution.
Disclaimer: This post is for general informational purposes only. It does not constitute financial advice. Please consult a qualified professional before making financial decisions.
