Apple pay is in India or not…?

No, you can't use Apple Wallet in India. see -> About billing for Apple subscriptions and media products in India

About billing for Apple subscriptions and media products in India - Apple Support

India

•               Apple ID balance (from adding funds)

•               Net Banking (adding funds only)

•               UPI (adding funds only)

You can use / pay with your Apple ID balance, see: Add money to your Apple ID balance

Add money to your Apple ID balance - Apple Support (IN)

For sure