Unified Payments Interface (UPI) has become an important part of India's digital payment ecosystem. Its instant, mobile-based and convenient nature can influence how consumers make purchases, how frequently they spend, and how they monitor their money. This study examines the possible impact of UPI on consumer spending and financial behaviour in India, with particular attention to payment convenience, spending frequency, small and unplanned purchases, cashback and offers, expense tracking, money-management habits, and preference for cashless payments. A quantitative descriptive approach is used with a structured questionnaire. The available Google Forms response summary contains 22 responses. The supplied response image provides verifiable age-group data: 72.7% of respondents are aged 18–25, 22.7% are aged 26–35, and 4.5% are above 45. Because the supplied image shows the response summary for the age question only, the paper does not invent numerical results for the remaining questionnaire items. Instead, those items are presented as the study framework for analysing consumer spending and financial behaviour.

Harshal Baban Umredkar, Dr.Ujwala Narkhede, "Impact of UPI on Consumer Spending and Financial Behaviour in India" International Journal of Scientific Research and Engineering Development, V9(5): Page(1145-1152) September - October 2026. ISSN: 2581-7175. www.ijsred.com. Published by Scientific and Academic Research Publishing.