Young Indians are rewriting the rules of daily spending, according to a report by super.money. It offers a clear window into. Based on millions of UPI transactions made over the past year, the study shows how digital payments, tiny purchases and cautious credit use now define the financial rhythm of youth across the country.
With nearly 72% of super.money’s users under the age of 30, the findings capture a sharp, real-time picture of changing financial behaviour in both metros and smaller towns.
According to the report, 74% of them make more than 50 digital payments a month, and a large chunk cross 200 transactions monthly.
QR codes have turned into an everyday reflex, whether to buy a snack, book a cab, or split a bill.
One of the most telling insights is the dominance of low-value spends. Nearly 76% of transactions are below Rs 200, driven by small treats, groceries and day-to-day essentials.
These tiny spends now shape the financial rhythm of the average young Indian more than big-ticket purchases.
The report shows clear behavioural trends through the day. Midnight to 6am sees a spike in food orders as late-night cravings peak.
From 6–11am, grocery and supermarket purchases dominate, showing a practical start to the day, especially in big cities.
Across major cities, the highest volume of transactions happens between 6–11am, fuelled by grocery shopping.
It reflects a shift towards planned buying, quick runs to neighbourhood stores and a preference for digital-first convenience.
If there is one moment India has quietly claimed, it is Friday between 7–8pm.
This window sees the highest number of transactions every week. The report calls it the country’s collective “I earned this” hour, when young users indulge in food, fun and small comforts after a long week.
The surge is not limited to metros. Tier-2 and Tier-4 cities now account for more than 41% of all users. Places like Kanyakumari and Tinsukia have emerged as unexpected digital payment hotspots, showing how deeply UPI has spread beyond urban India.
The study also highlights a thoughtful shift in how young Indians approach borrowing. About 45% of users are new to credit, yet many prefer FD-backed secured cards. This signals a more aware, cautious and disciplined entry into the world of credit—focused on building financial health without falling into unmanageable debt.