Digidhan Dashboard: A Digital Public Infrastructure for Monitoring, Analysis, and Promotion of India’s Digital Payment Ecosystem

Abstract

Misha Kapoor and Sulbha Bhaisare

India’s digital payment landscape has undergone an extraordinary transformation over the past decade, emerging as the world’s largest real-time payments ecosystem. From a baseline target of 2,500 crore transactions set by the Finance Minister for FY 2017–18, India’s Unified Payments Interface (UPI) alone processed 18,587 crore transactions worth Rs 261 lakh crore in FY 2024–25, and recorded 21.70 billion transactions in January 2026 — a compound annual growth rate exceeding 129% in volume. This paper presents the Digidhan Dashboard, developed by the National Informatics Centre (NIC) and commissioned by the Ministry of Electronics & Information Technology (MeitY), as the nation’s sole unified Digital Public Infrastructure (DPI) platform for real-time monitoring, analysis, and governance of all digital payment modes across India. The paper describes the platform’s architecture, methodology, innovative features — including SFTP-based automated data ingestion, Business Intelligence analytics, Blockchain-based MDR reimbursement, AI-powered chatbot, and Smart City integration — and aligns the dashboard’s evolution with landmark government initiatives by MeitY and the Department of Financial Services (DFS). The paper further documents the latest fintech developments in India including UPI 3.0, the Unified Lending Interface (ULI), Central Bank Digital Currency (CBDC – Digital Rupee), and UPI’s global expansion to 25 countries. Findings underscore the critical role of data-driven government platforms in accelerating financial inclusion and digital economic growth towards Viksit Bharat 2047.

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