According to fintech firm Zeta, the credit line on UPI is projected to surpass $1 trillion in transaction value by 2030, driven by the increasing adoption of digital payment solutions across India. Unified Payments Interface (UPI) has already transformed the payment landscape, and credit on UPI is expected to further enhance the convenience for users and merchants. The introduction of credit lines on UPI will allow users to access short-term credit seamlessly through their UPI-linked accounts, providing a significant boost to digital financial inclusion. Zeta estimates that this could accelerate the adoption of credit solutions among individuals who previously lacked access to formal credit. The integration of UPI with credit lines could drive the next wave of fintech innovation, expanding credit accessibility while ensuring secure and rapid transactions. As more banks and financial institutions collaborate to offer UPI-based credit services, the potential for this sector's growth is immense. By 2030, Zeta predicts that this service will account for a substantial portion of India's digital credit ecosystem. With increasing consumer trust in digital payment systems and the continuous rise of UPI transactions, credit lines on UPI are positioned to play a transformative role in India's financial sector.