India Is Quietly Replacing Your Money? | Saloni Khanna

Everyone says UPI is replacing cash. But the data tells a different story.

In this conversation, we explore why both UPI transactions and cash in circulation are increasing at the same time. The discussion explains how digital payments have changed the role of cash, why people still keep money at home for emergencies, and what economists call the precautionary motive for holding money. It also looks at why the RBI is considering more durable currency notes.

The real question isn’t whether India is becoming cashless. It’s how our relationship with cash is changing.

I’m Saloni Khanna – Educationist, Economist, UPSC Interviewer and Founder of Skill Up Foundation.

Here, we explore:
• UPSC preparation beyond coaching hype and topper myths
• Interview, debate and communication skills that actually work
• Governance, economy and how power really functions in India
• Gender, caste and social sensitivity – the biases officers must see clearly
• Mindset, confidence and ethics for future administrators and leaders

If you’re preparing for UPSC, aiming for a government job, or simply want to think sharper, speak better and be more sensitive to people and systems, this space is for you.

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