- 9.5 million digital bill payment transactions recorded via Bharat Connect in 2025 YTD
- West Bengal (18,000+ Adhikaris), Bihar (15,800+), and Uttar Pradesh (14,500+) were the top performing states by transaction volume
- Loan repayments (5.03 million transactions) and electricity bill payments (3.5 million) were the top transacted categories
- Average user paid over 2 bills each month
New Delhi : Spice Money (a subsidiary of DiGiSPICE Technologies), India’s pioneer in rural fintech and a leader in assisted digital payments platform, has facilitated over 9.5 million digital bill payment transactions through the Spice Money App via Bharat Connect, a platform by NPCI Bharat BillPay Limited between January and May 2025. Spice Money is an authorized BBPOU license holder under the BBPS framework, providing a compliant platform for rural citizens to carry out bill payments with confidence.
Spice Money’s 15+ lakh strong Adhikari network, with over 1.5 lakh active Adhikaris transacting for bill payments month-on-month, spans across 95% of rural pincodes. These Adhikaris act as digital catalysts, helping citizens pay for services such as electricity, water, education fees, DTH, loan EMIs, mobile recharges, and more—often for the very first time through digital means. Powered by the Bharat Connect platform, the Spice Money App provides a safe and secure environment for users to carry out these critical transactions with ease and confidence. This assisted model has not only boosted transaction volumes but also bridged the digital gap by helping consumers who are unable to complete bill payments by themselves. Through Bharat Connect’s integration with 700+ apps, they are enabling access and support for people who are not aware or confident in using digital platforms.
Among the top performing states, West Bengal emerged as a clear leader with over 18,000 Adhikaris (Agents) assisting more than 2.16 million bill payment transactions Bharat Connect transactions from January – May 2025. It was followed by Bihar, where nearly 15,800 Adhikaris (Agents) assisted around 2.4 million transactions; Uttar Pradesh, with over 14,500 Adhikaris assisting 7.1 lakh transactions; Madhya Pradesh, with close to 10,600 assisting 6.2 lakh transactions; and Chattisgarh, where over 6,300 Adhikaris (Agents) assisting approximately 5.2 lakh transactions. These states represent the new digital frontier, where people are increasingly relying on platforms like Spice Money App and Bharat Connect to fulfill everyday financial needs in a seamless and assisted manner. The launch of Bharat Connect’s new campaign of #JaanteNahiParMaanteHain is a testament to the capabilities of the platform in changing the lives of millions of Indians.
Loan repayments and electricity bill payments continued to dominate transaction volumes and value. Loan repayments accounted for 53% of all Spice Money bill payment transactions, retaining the top spot with 5.03 million transactions, while electricity emerged as the second most transacted category, contributing 36.8% of the total volume with 3.5 million transactions. DTH services, LPG gas bills, mobile postpaid payments, and FASTag recharges were also among the most popular categories, reflecting a growing adoption of digital utilities even in the remotest corners of the country. On average, each user paid more than 2 bills every month, pointing to the increasing reliance on digital solutions for recurring payment needs.
Commenting on the sustained growth, Dilip Modi, Founder and CEO of Spice Money, said, “Digital inclusion in Bharat is not just about technology, it is about trust. At Spice Money, we are proud to be India’s No. 1 assisted bill payments platform and an authorized BBPOU license holder, delivering safe, secure, and compliant financial services to the last mile. The real power behind our bill payment success lies in our 15+ lakh strong Adhikari network—local nanopreneurs who simplify digital payment for their communities and offer support with consistency, familiarity, and care. Using the Spice Money App, these Adhikaris (Agents) are assisting people to pay for various utility services often for the very first time through digital means.
We are deeply grateful to NPCI Bharat BillPay Limited and the Bharat Connect ecosystem for building the infrastructure and belief needed to drive this digital shift. What we are witnessing today is not just transactional growth, it is a behavioral transformation in rural India. Spice Money remains committed to making sure no village is left behind in India’s digital journey.”
Ms. Noopur Chaturvedi, Managing Director & CEO, NPCI Bharat BillPay Limited added, “The Bharat Connect platform is designed to create a unified and accessible bill payment ecosystem for every Indian. Our commitment to financial inclusion drives us to take this platform to the last mile, ensuring even the most remote corners of the country are empowered with digital payment access. Uptake in bill payment transactions through assisted platforms like Spice Money highlights the pivotal role of last-mile agents in enabling this vision. By integrating with 700+ apps and platforms, Bharat Connect is making digital bill payments not just convenient but truly inclusive, bridging geographies and digital divides alike. We remain steadfast in our mission to strengthen this ecosystem and accelerate deeper digital adoption, especially in semi-urban and rural areas.”
The Bharat Connect platform is uniquely designed to address the digital and financial needs of underserved regions, offering an assisted environment that empowers even first-time users. Spice Money’s commitment to Viksit Bharat is reflected in its continuous efforts to digitize essential services, while generating livelihood opportunities through its Adhikari network. As the national conversation around digital inclusion and financial access intensifies, Spice Money’s data-rich performance offers a compelling blueprint for how grassroots-led innovation can redefine India’s rural economy. With Bharat Connect, the company continues to pave the way for a future-ready, digitally confident Bharat.
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