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New Delhi: The era of cash is almost on the verge of ending. The way of money transaction in India has changed so rapidly that it is difficult to believe. The latest data of the Reserve Bank of India (RBI) has confirmed this. According to the data of the first six months of 2025, 99.8% of the total payments made in the country have been made through digital methods. This means that now almost 100 out of 100 people are making payments through phone or card instead of cash. If we talk about the total amount, during this period, transactions worth Rs 1572 lakh crore took place in the country, out of which Rs 1536 lakh crore were paid through digital means. These figures are screaming that digital payment is no longer an option but has become an important part of our lives. Battle of UPI and RTGS: Who is ahead in numbers, who is ahead in price? When we talk about digital payments, two names come first – UPI and RTGS. On one hand, there is UPI, through which we can easily make payment to the tea-vegetable seller. On the other hand, there is RTGS, through which big business transactions take place. This battle of figures is very interesting. UPI: King of calculations, lagging behind in price. Of all the digital payments made, 85% were made through UPI alone. This means that out of every 100 digital payments, 85 were through UPI. But when it came to the total amount, the share of UPI was only 9%. RTGS: Less in count, higher in price. The share of RTGS in the total number of digital payments was only 0.1%. But it won in terms of total amount and captured 69% share. Why is this so? The story is very simple, this difference It is very easy to understand. Common people like you and I use UPI for small everyday expenses – from tea worth Rs 10 to vegetables worth Rs 500. That is why the volume of payments made through UPI is very high, but their total value is low. At the same time, RTGS is used by big businesses and companies. There is a minimum sending limit of Rs 2 lakh. Therefore, each transaction here is worth lakhs and crores, due to which even in small numbers the total value skyrockets. This digital revolution has not only made our lives easier but has also brought transparency in the country’s economy. This shows that India is now indeed moving rapidly on the path of becoming a digital economy.