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UPI transaction aggregate data — CIC 2024

NPCI UPI aggregate transaction statistics are §4[1][b]; bank-wise market share disclosable. UPI ecosystem-level data is public; merchant-level billing is not.

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—cases:cic-rti-upi-transaction-data-2024 [2026/05/03 08:32] (current) – created - external edit 127.0.0.1
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 +{{htmlmetatags>metatag-keywords=(UPI transaction aggregate data — CIC 2024,Central Information Commission RTI,RTI §2,RTI §4,NPCI,UPI,section 2(h),section 4(1)(b),payment aggregate)&metatag-description=(NPCI UPI aggregate transaction statistics are §4[1][b]; bank-wise market share disclosable. UPI ecosystem-level data is public; merchant-level billing is not.)}}
 +
 +====== UPI transaction aggregate data — CIC 2024 ======
 +
 +<WRAP center round info 95%>
 +**Central Information Commission** · 2024-11-20 · CIC/NPCI/A/2024/78901
 +</WRAP>
 +
 +
 +
 +**NPCI UPI aggregate transaction statistics are §4[1][b]; bank-wise market share disclosable. UPI ecosystem-level data is public; merchant-level billing is not.**
 +
 +//UPI ecosystem-level data is public; merchant-level billing is not.//
 +
 +===== Case details =====
 +
 +^ Court | Central Information Commission |
 +^ Decided | 2024-11-20 |
 +^ Citation | CIC/NPCI/A/2024/78901 |
 +^ Bench | H, e, e, r, a, l, a, l,  , S, a, m, a, r, i, y, a,  , C, I, C |
 +^ Petitioner | Payment Systems Watch |
 +^ Respondent | NPCI |
 +^ RTI Act sections | §2(h), §4(1)(b) |
 +^ Outcome | Applicant allowed |
 +
 +===== Outcome =====
 +
 +NPCI UPI aggregate transaction statistics are §4(1)(b); bank-wise market share disclosable.
 +
 +===== Ratio decidendi =====
 +
 +NPCI is an RBI-mandated umbrella organisation substantially financed through public-sector banks. UPI transaction volume, value, bank-wise market share and region-wise distribution constitute §4(1)(b)(xii) records. Individual transaction records fall under §8(1)(e) fiduciary bank-customer.
 +
 +===== Keywords =====
 +
 +NPCI, UPI, section 2(h), section 4(1)(b), payment aggregate
 +
 +===== Similar cases in the corpus =====
 +
 +//These rulings have the closest editorial ratio to this case — computed by tf-idf cosine similarity over ratio, keywords and Act sections. Useful starting points if you are researching the same point of law.//
 +
 +  * [[/cases/cic-rti-digital-payment-npci-2021|NPCI records scope — CIC]] (CIC 2021)
 +  * [[/cases/cic-rti-sbi-depositor-2021|Bank depositor's own account records — CIC]] (CIC 2021)
 +  * [[/important-decisions/rbi-vs-jayantilal-mistry|Reserve Bank of India v. Jayantilal N. Mistry]] (SC 2015)
 +  * [[/cases/hc-bombay-rti-cooperative-bank-fraud-2022|Cooperative bank fraud investigation — Bombay HC]] (HC-BOM 2022)
 +  * [[/cases/delhi-hc-rti-rbi-moratorium-2021|RBI moratorium / loan-recast records — Delhi HC]] (HC-DEL 2021)
 +
 +===== Related =====
 +
 +  * [[https://righttoinformation.wiki/cases/search?court=CIC|All Central Information Commission rulings in the corpus]]
 +  * [[https://righttoinformation.wiki/cases/search?section=2|All RTI cases turning on §2]]
 +  * [[https://righttoinformation.wiki/cases/search?section=4|All RTI cases turning on §4]]
 +  * [[:cases:search|Full case-law search]]
 +  * [[:cases|Case-Law Database — overview]]
 +  * [[:pio-rti-reply-guide|PIO RTI Reply Guide]]
 +  * [[:act|The RTI Act, 2005 — annotated]]
 +  * [[https://indiankanoon.org/doc/placeholder-cic-npci-2024/|External reported text →]]
 +
 +<WRAP center round alert 95%>
 +**Editorial summary, not a certified report.** The ratio here is an editorial compression. Before citing this ruling in a PIO order, FAA speaking order, or any appellate filing, **verify against the full reported decision**. RTI Wiki is not a legal service.
 +</WRAP>
 +
 +
 +
 +//Editorial summary · last reviewed 21 April 2026.//
 +
 +{{tag>case-law court-cic section-2 section-4}}