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Payment System Indicators

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Payment System Indicators - March 2026
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2025-26 2025 March 2026 2026 FY 2025-26 2025 March 2026 2026
February March February March
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 56.84 4.36 4.37 4.44 367014602 27936158 29363078 30819254
1.1 Govt. Securities Clearing 20.08 1.33 1.62 1.51 214487317 15356048 17227564 16548550
1.1.1 Outright 11.76 0.76 0.94 0.84 17320069 1297378 1339433 1200663
1.1.2 Repo 5.62 0.36 0.46 0.46 93385356 6589738 6696115 6833924
1.1.3 Tri-party Repo 2.70 0.21 0.22 0.22 103781892 7468932 9192017 8513963
1.2 Forex Clearing 35.44 2.94 2.62 2.76 141483010 11758724 11010746 13006222
1.3 Rupee Derivatives @ 1.32 0.09 0.13 0.16 11044275 821387 1124767 1264482
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 3499.79 307.03 305.85 367.45 227372648 21401969 18859418 23758759
1.1 Customer Transactions 3485.43 305.71 304.71 366.26 206929117 19394683 17509377 22131384
1.2 Interbank Transactions 14.36 1.32 1.14 1.20 20443531 2007287 1350041 1627375
II Retail                
2 Credit Transfers - Retail 2618738.01 202008.61 219247.39 244356.27 91939186 8242601 7793908 9619673
2.1 AePS (Fund Transfers) @ 3.28 0.31 0.23 0.27 170 16 14 16
2.2 APBS $ 33854.21 3506.60 2119.52 3335.83 717040 66841 51081 83656
2.3 IMPS 49431.09 4616.39 3360.96 3656.79 7669929 667813 642474 740176
2.4 NACH Cr $ 18284.42 1861.26 1702.37 1561.87 1902293 176401 164970 181678
2.5 NEFT 100996.15 9008.97 8122.47 9390.43 50226505 4854308 4251141 5661604
2.6 UPI @ 2416168.86 183015.08 203941.84 226411.08 31423250 2477222 2684229 2952542
2.6.1 of which USSD @ 14.31 1.26 2.32 1.23 188 14 25 13
3 Debit Transfers and Direct Debits 23471.34 1891.35 1989.09 2075.65 2697355 211047 235001 257724
3.1 BHIM Aadhaar Pay @ 231.96 19.59 16.45 20.99 7739 611 636 800
3.2 NACH Dr $ 21614.19 1724.79 1849.39 1927.45 2687459 210246 234191 256744
3.3 NETC (linked to bank account) @ 1625.19 146.97 123.25 127.21 2157 191 174 180
4 Card Payments 73039.76 5789.52 5855.08 6787.94 2807946 240549 210427 257443
4.1 Credit Cards 60237.64 4586.50 4937.95 5774.76 2362471 201494 177292 219495
4.1.1 PoS based $ 30153.21 2302.66 2434.00 2840.35 885019 71473 67435 78470
4.1.2 Others $ 30084.43 2283.84 2503.95 2934.41 1477452 130021 109857 141024
4.2 Debit Cards 12802.12 1203.02 917.12 1013.17 445475 39055 33135 37948
4.2.1 PoS based $ 9601.85 895.82 689.77 749.32 293537 25818 21862 24346
4.2.2 Others $ 3200.27 307.20 227.36 263.85 151938 13237 11273 13602
5 Prepaid Payment Instruments 98699.47 6783.69 8359.24 8749.63 286429 21465 25969 28563
5.1 Wallets 78570.94 5061.17 6652.06 6959.28 223016 16077 19829 22448
5.2 Cards 20128.53 1722.52 1707.18 1790.35 63414 5388 6140 6114
5.2.1 PoS based $ 8356.49 648.24 793.50 795.76 14373 1016 1427 1343
5.2.2 Others $ 11772.04 1074.28 913.68 994.59 49041 4372 4713 4771
6 Paper-based Instruments 5587.83 531.76 430.51 491.89 7147568 659873 579783 691723
6.1 CTS (NPCI Managed) 5587.83 531.76 430.51 491.89 7147568 659873 579783 691723
6.2 Others 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Retail Payments (2+3+4+5+6) 2819536.40 217004.93 235881.31 262461.38 104878484 9375535 8845088 10855126
Total Payments (1+2+3+4+5+6) 2823036.19 217311.96 236187.16 262828.83 332251133 30777505 27704507 34613885
Total Digital Payments (1+2+3+4+5) 2817448.36 216780.20 235756.65 262336.94 325103565 30117631 27124723 33922162

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2025-26 2025 March 2026 2026 FY 2025-26 2025 March 2026 2026
February March February March
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 2226709.91 171174.23 186834.81 208802.98 45558525 3769671 3914512 4386916.81
1.1 Intra-bank $ 122837.81 9863.76 9717.48 10802.29 7917884 670272 685836 764234
1.2 Inter-bank $ 2103872.09 161310.47 177117.33 198000.69 37640641 3099400 3228676 3622683
2 Internet Payments (Netbanking / internet browser based) @ 44541.07 4096.24 3521.30 3869.60 158930351 13992340 13824038 16819300
2.1 Intra-bank @ 10212.76 1009.09 804.89 888.88 83681438 7319249 7438766 8836592
2.2 Inter-bank @ 34328.30 3087.15 2716.41 2980.72 75248914 6673091 6385272 7982708
B. ATMs                
3. Cash Withdrawal at ATMs $ 53689.48 4983.78 4168.36 4465.03 2873737 263892 231465 249762
3.1 Using Credit Cards $ 81.07 7.43 6.35 7.08 4525 410 364 408
3.2 Using Debit Cards $ 53394.13 4957.22 4145.12 4439.99 2858626 262540 230242 248419
3.3 Using Pre-paid Cards $ 214.27 19.13 16.89 17.96 10586 942 859 935
4. Cash Withdrawal at PoS $ 1.69 0.22 0.14 0.13 22 2 2 2
4.1 Using Debit Cards $ 1.39 0.19 0.11 0.10 18 2 2 2
4.2 Using Pre-paid Cards $ 0.30 0.03 0.03 0.03 4 0 0 0
5. Cash Withdrawal at Micro ATMs @ 12126.36 1102.31 867.37 1075.37 322744 29561 24595 30529
5.1 AePS @ 12126.36 1102.31 867.37 1075.37 322744 29561 24595 30529

PART III - Payment Infrastructures (lakh)
  As on March 2026 2025 March 2026 2026
February March
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 11633.90 11006.97 11594.71 11633.90
1.1 Credit Cards 1186.34 1098.85 1177.04 1186.34
1.2 Debit Cards 10447.56 9908.12 10417.67 10447.56
2 Number of PPIs @ 22992.54 13401.46 22672.93 22992.54
2.1 Wallets @ 18253.41 8678.44 17930.53 18253.41
2.2 Cards @ 4739.13 4723.02 4742.39 4739.13
3 Number of ATMs and CRMs 2.54 2.56 2.53 2.54
3.1 Bank owned ATMs$ and CRMs# 2.16 2.20 2.15 2.16
3.2 White Label ATMs $ 0.38 0.36 0.38 0.38
4 Number of Micro ATMs @ 13.90 14.82 13.90 13.90
5 Number of PoS Terminals 117.69 110.98 116.65 117.69
6 Bharat QR @ 56.33 67.18 58.97 56.33
7 UPI QR * 7612.17 6579.30 7542.04 7612.17

PART IV - Payment Modes and Channels (International)
  Details of International transactions done using cards (credit, debit and PPI) issued in India
  Volume (lakh) Value (₹ crore)
2026 2026 2026 2026
February March February March
1. Card Payments 117.74 127.99 8367 8557
1.1 Credit Cards 73.32 80.31 6438 6657
1.1.1 PoS based 27.16 28.44 1946 1834
1.1.2 Online 46.16 51.87 4492 4823
1.2 Debit Cards 44.42 47.68 1929 1900
1.2.1 PoS based 21.02 21.96 630 556
1.2.2 Online 23.40 25.71 1299 1344
2. Prepaid Payment Instruments 22.54 21.97 884 816
2.1 PoS based 18.86 18.69 698 645
2.2 Online 3.68 3.27 186 172
3. Cash Withdrawal at ATMs 4.70 4.83 1110 1072
3.1 Using Credit Cards 0.26 0.29 46 47
3.2 Using Debit Cards 3.21 3.34 629 608
3.3 Using PPIs 1.22 1.21 435 417
Total International Payments 144.98 154.79 10360 10445

PART V - Domestic Payment Frauds
  Volume (Lakh) Value (Crore) One in every X payment transaction fraudulent FTS (Fraud / Payment Value * 10000)
September 2022 1.71 249 58177.41 0.127 bps
October 2022 1.79 220 59533.35 0.127 bps
November 2022 2.06 257 50620.69 0.143 bps
December 2022 1.54 204 72426.75 0.103 bps
January 2023 1.57 195 71681.44 0.106 bps
February 2023 2.29 317 47018.00 0.177 bps
March 2023 2.25 333 53907.48 0.142 bps
April 2023 1.75 273 68927.36 0.152 bps
May 2023 2.03 285 63051.71 0.147 bps
June 2023 1.74 265 72554.96 0.128 bps
July 2023 2.24 286 59898.87 0.146 bps
August 2023 2.40 320 58391.71 0.157 bps
September 2023 2.52 366 55057.76 0.174 bps
October 2023 2.23 335 66950.05 0.164 bps
November 2023 2.57 428 57618.81 0.209 bps
December 2023 2.92 432 53327.09 0.187 bps
January 2024 2.69 435 56335.82 0.207 bps
February 2024 2.57 507 61162.60 0.231 bps
March 2024 2.57 471 67394.38 0.177 bps
April 2024 2.38 414 70681.81 0.191 bps
May 2024 2.81 545 62637.44 0.240 bps
June 2024 2.36 480 73786.50 0.206 bps
July 2024 2.54 462 71157.30 0.194 bps
August 2024 2.34 401 79284.04 0.170 bps
September 2024 2.19 401 84751.16 0.158 bps
October 2024 2.35 411 87719.87 0.159 bps
November 2024 2.03 345 93298.98 0.155 bps
December 2024 2.59 425 78851.58 0.155 bps
Jauuary 2025 2.30 361 90183.15 0.140 bps
February 2025 1.83 288 107458.55 0.121 bps
March 2025 1.84 291 121303.33 0.094 bps
April 2025 1.80 307 119659.70 0.121 bps
May 2025 1.87 329 120406.36 0.129 bps
June 2025 1.87 303 118068.41 0.111 bps
July 2025 2.87 440 81444.84 0.160 bps
August 2025 2.40 411 100735.94 0.166 bps
September 2025 3.03 431 77798.50 0.150 bps
October 2025 2.81 407 88209.52 0.146 bps
November 2025 2.42 356 101244.19 0.139 bps
December 2025 2.54 408 101152.65 0.130 bps
January 2026 2.57 383 100143.26 0.134 bps
February 2026 2.61 383 92434.66 0.137 bps
March 2026 2.59 337 103465.72 0.097 bps
@: New inclusion w.e.f. November 2019
#: Data reported by Co-operative Banks, LABs and RRBs included with effect from Dec 2021.
$ : Inclusion separately initiated from November 2019 - would have been part of other items hitherto.
*: New inclusion w.e.f. September 2020; Includes only static UPI QR Code
Note : 1. Data is provisional.
2. ECS (Debit and Credit) has been merged with NACH with effect from January 31, 2020.
3. The data from November 2019 onwards for card payments (Debit/Credit cards) and Prepaid Payment Instruments (PPIs) may not be comparable with earlier months/ periods, as more granular data is being published along with revision in data definitions.
4. Only domestic financial transactions are considered. The new format captures e-commerce transactions; transactions using FASTags, digital bill payments and card-to-card transfer through ATMs, etc.. Also, failed transactions, chargebacks, reversals, expired cards/ wallets, are excluded.
5. Data on domestic payment fraud statistics as reported by Scheduled Commercial Banks (excluding RRBs), Non-bank PPI issuers and Non-bank Credit Card issuers in CPFIR (Central Payments Fraud Information Registry).
6. Data does not include attempts to perpetrate frauds.

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