PhonePe PulsePro: Is Your UPI Data Being Sold?

PhonePe has launched PulsePro, a tool that lets businesses study anonymised UPI transaction patterns. Here's what it means for your data privacy and why every Indian UPI user should understand how their spending signals get packaged and used.

Here's what happened: PhonePe launched PulsePro, a business intelligence platform that analyses anonymised UPI transaction data to show consumer spending trends to businesses.. The platform lets brands and merchants study category-level spending shifts, regional demand patterns, and purchase behaviour — without revealing individual identities.. This joins a growing trend of Indian fintechs monetising aggregated transaction data, raising fresh questions about user consent and data governance under India's DPDP Act..

What you should do: Check PhonePe's privacy settings now — review what data sharing permissions you've granted under 'Privacy' in the app's profile section.. Read PhonePe's privacy policy specifically for the clause on 'aggregated or anonymised data' — this is where third-party data use is typically disclosed.. If you're uncomfortable, explore switching routine payments to a UPI app with stricter data minimisation policies, and compare privacy terms before choosing..

Under India's Digital Personal Data Protection Act 2023, 'anonymised' data technically falls outside consent requirements — but you can still limit app permissions to reduce your data footprint entirely.

For readers weighing their credit and loan options, our personal loan guide and CIBIL score resources put this update in context.