superSpends 2025: How Young India Moved Its Money

super.money Releases Annual Insights On ‘Decoding India’s Digital Spending, Saving And Credit Habits

India, Dec 11: Anchored on a year of extraordinary growth, super.money, India’s next-gen UPI app, has launched the first edition of ‘superSpends 2025’, a data-led snapshot of how young India paid, saved and leveraged their access to credit this year. The findings are drawn from millions of super.money transactions across the country.

They’ve Got The Moves! A Generation For Whom Payments Are Part Of Daily Rhythm

For Gen Z, digital payments are no longer a casual triggered action (or rather, reaction); they’re an extension of their financial goals and strategic life plans, at large. This behavioural shift has been cemented by easy access to top-tier finance products and the cashback habit where every spend is also an opportunity to earn. That means that whenever they pay, they are also thinking about earning real cashback on the very same transaction! With 72% of super.money users under the age of 30, they’re driving a transaction cadence that perhaps simply didn’t exist a few years ago – the more (payments), the merrier. This is reflected in the super spends data with ~74% of super.money users making >50 payments a month, while a growing number of users are making >200 payments a month.

Some Quirky & Some Unexpected: Metros Move Money and How!

The highest volume of transactions was recorded in metros between 6-11am every morning, led by grocery and supermarket shopping – reflecting the fact that young India has their priorities right! A similar spike is seen between 6-11pm at night, but this time around, dining out is a need-of-the-hour with restaurants and fast food joints leading the race. Hunger pangs also hit hard between midnight and 6am, with fast food delivery spikes being witnessed during these hours. The hunger games are serious, with this generation.

Tanking up on fuel is number 2 on the priority list during these peak hours, reflecting the fact that young India loves to move (not just their money)! This is with reference to making payments at petrol bunks and fuel stations.

The New Unwind Routine

superSpends by super.money data shows that young India is spending discretionary amounts in a consistent pattern. Friday, 7-8 PM records the highest number of transactions on average, making it one of the most active hours of the week! Weekday evenings now surpass weekends in average spend, while food delivery, dining, and pharmacies peak between 7-9 PM, and fuel transactions rise on Saturday afternoons. These trends highlight a generation whose spending flows not only around daily routines but also fueled towards unwinding and having ‘fun’!

The Micro Spends Economy: Small Spends Shaping Big Behaviour Shifts

Gen Z’s financial signature is precision-sized. 76% of their average transactions are under ₹2000 per transaction, a reflection of a generation that budgets in real time and spends with intent at a micro level. Within this, essentials remain the popular choice with grocery expenses leading the charts at 26.16%, followed by food & beverages at 23.71%. This underlies the surge in reliance on Quick Commerce which is a growing trend PAN India. Young India’s subscription habits add an interesting layer: entertainment and telecom-related services are growing at a high speed, but education takes the highest spend when it comes to subscriptions – a quiet reminder that Gen Z is funnelling real money into upskilling.

Tier 2 And Tier 4 Cities Emerge As Hotspots In The UPI World Digital payments now have a much wider footprint, and data shows how quickly the map is changing.

Tier 1 cities account for 39.82% of super.money’s users, but smaller towns are catching up fast, with Tier 2 at 21.13% and Tier 4 crossing 20%. Daily transaction patterns highlight unexpected high-activity zones:

– Kanyakumari averages around 1,750 transactions a day, showing that when UPI lights up even the southernmost tip of India, it proves that financial inclusion is traveling the full length of the country!

– When Tinsukia, in Assam, records around 700 transactions a day, it shows that India’s digital adoption is reaching every corner!

God’s own country Kerala leads the way in household frequency for UPI usage. The South region of India has seen higher spends on groceries and fuel, while the Eastern region of the country is showing the fastest growth in daily spends.

Grabbing A Bite And Then, Swipe (To Pay)

The North and West regions have also seen a growing trend when it comes to payments made at restaurants, bakeries and confectionaries. Healthy eating is a priority but having a sweet tooth remains on trend! The spike for craving something sweet is highest between 6-11pm!

Credit, Redesigned For A New-Generation

45% of super.money users are taking their first-ever steps into credit, and their choices show an interesting shift. With a majority of them being Gen Z, lakhs of users have opted for FD-backed secured cards, which offer fixed limits and a steadier entry into borrowing. Some may say that Gen Z values credit on UPI because they don’t necessarily see it as “borrowing” – but they see it as speeding up life’s small decisions without slowing down at checkout.

Sharing his views on the superSpends insights, Prakash Sikaria, Founder & CEO, super.money, said “Young India and specifically Gen Z is setting a new standard for how India interacts with money and we are proud to anchor this wave at super.money. This generation is digital-first, money-conscious and intentional about every financial choice – from micro spends to responsible credit and skill-focused subscriptions. super.money’s mission is to ensure every transaction contributes to progress, and the superSpends insights shows the impact of that mindset at scale.”

superSpends 2025 is super.money’s first annual consumer behaviour study, built on insights from millions of digital transactions. It maps how young India spends, saves and builds credit; offering a data-backed view of the financial and cultural shifts defining the next decade of money.