Present study is to know the demographic perception towards UPI. Primary data is collected from 655 UPI users from Delhi NCR India in which 314 are males and 341 are females. For gender perception t-test is used and for different generation’s perception ANOVA is used. There is no significant difference in the perception of Male and Female towards UPI, so null hypothesis is accepted. Empirical results of problems in UPI are found to be significant at 1 percent level of significance and 99 percent level of confidence, therefore significant difference is found in the perception of age groups. Limitation of the study is that perception is for present time only. In future years’ perception may be changed. Further scope the study may be on checking impact of factors affecting UPI.