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Payment System Indicators

Document - Payment System Indicators - September 2025 () or PDF - Payment System Indicators - September 2025 ()
Payment System Indicators - September 2025
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2024-25 2024 September 2025 2025 FY 2024-25 2024 September 2025 2025
August September August September
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 47.40 4.08 4.28 4.95 296218030 23840258 28151946 30270023
1.1 Govt. Securities Clearing 17.87 1.57 1.50 1.75 185733719 14750412 16614170 18003263
1.1.1 Outright 10.56 0.99 0.81 1.04 16056018 1468346 1240951 1499643
1.1.2 Repo 4.72 0.37 0.47 0.48 77286611 6038102 7489700 7926471
1.1.3 Tri-party Repo 2.58 0.21 0.22 0.23 92391091 7243965 7883520 8577149
1.2 Forex Clearing 28.06 2.40 2.69 3.11 100639565 8415273 10788097 11417001
1.3 Rupee Derivatives @ 1.46 0.11 0.10 0.09 9844746 674573 749679 849759
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 3024.55 233.33 259.68 280.83 201387682 17786483 16371216 19836942
1.1 Customer Transactions 3010.32 232.21 258.52 279.64 181153129 16027655 14993007 18220475
1.2 Interbank Transactions 14.23 1.12 1.16 1.19 20234553 1758828 1378209 1616467
II Retail                
2 Credit Transfers - Retail 2061014.91 166626.30 218816.17 213074.92 79781976 6384754 7102303 7543380
2.1 AePS (Fund Transfers) @ 3.64 0.30 0.31 0.26 190 14 16 12
2.2 APBS $ 32964.43 2342.41 3817.08 2542.90 554034 35550 66150 41746
2.3 IMPS 56249.68 4299.36 4772.62 3943.79 7139110 565233 597549 596847
2.4 NACH Cr $ 16938.86 1657.93 1854.46 1850.43 1670223 122079 167856 149729
2.5 NEFT 96198.05 7908.83 8288.60 8403.21 44361464 3597885 3785260 4265310
2.6 UPI @ 1858660.25 150417.47 200083.10 196334.33 26056955 2063995 2485473 2489737
2.6.1 of which USSD @ 17.24 1.31 0.69 0.94 185 14 7 10
3 Debit Transfers and Direct Debits 21659.95 1805.36 1929.02 1926.97 2208583 180707 214928 222919
3.1 BHIM Aadhaar Pay @ 230.08 18.81 25.38 18.90 6907 568 718 591
3.2 NACH Dr $ 19762.28 1651.69 1764.13 1786.47 2199327 179945 214031 222164
3.3 NETC (linked to bank account) @ 1667.59 134.86 139.51 121.60 2349 193 178 164
4 Card Payments 63861.15 5275.26 6056.57 5999.81 2605110 216304 228576 253483
4.1 Credit Cards 47740.76 3921.62 4935.77 4952.41 2109197 176202 191170 216707
4.1.1 PoS based $ 24571.10 1978.05 2501.63 2416.15 795022 60857 72753 72544
4.1.2 Others $ 23169.66 1943.57 2434.15 2536.26 1314175 115345 118417 144163
4.2 Debit Cards 16120.39 1353.64 1120.80 1047.40 495914 40102 37406 36776
4.2.1 PoS based $ 11980.33 995.05 843.59 777.57 332556 25777 24663 22773
4.2.2 Others $ 4140.06 358.59 277.21 269.83 163358 14325 12743 14003
5 Prepaid Payment Instruments 70254.08 5476.69 7966.16 8551.51 216751 17489 22253 22637
5.1 Wallets 52898.40 4054.95 6246.19 6871.58 154066 11889 17169 17183
5.2 Cards 17355.68 1421.74 1719.97 1679.93 62686 5600 5083 5454
5.2.1 PoS based $ 8240.14 721.65 669.51 688.72 11512 858 1030 1092
5.2.2 Others $ 9115.54 700.09 1050.45 991.22 51174 4743 4054 4362
6 Paper-based Instruments 6095.38 484.94 446.03 464.86 7113350 543387 540025 570467
6.1 CTS (NPCI Managed) 6095.38 484.94 446.03 464.86 7113350 543387 540025 570467
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) 2222885.46 179668.57 235213.95 230018.07 91925771 7342641 8108084 8612885
Total Payments (1+2+3+4+5+6) 2225910.01 179901.90 235473.63 230298.90 293313453 25129124 24479300 28449827
Total Digital Payments (1+2+3+4+5) 2219814.63 179416.96 235027.60 229834.04 286200103 24585737 23939275 27879361

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2024-25 2024 September 2025 2025 FY 2024-25 2024 September 2025 2025
August September August September
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 1756976.91 144028.12 184421.97 181008.61 39206221 3157064 3539156 3618114
1.1 Intra-bank $ 110801.96 10596.33 10513.94 10469.49 7207439 617325 605043 633733
1.2 Inter-bank $ 1646174.95 133431.79 173908.03 170539.12 31998782 2539739 2934113 2984381
2 Internet Payments (Netbanking / internet browser based) @ 47478.09 3911.28 3638.12 3755.37 131858133 11251665 11554723 13794692
2.1 Intra-bank @ 13056.37 1103.93 798.11 853.80 69086996 5946842 6020479 7091903
2.2 Inter-bank @ 34421.72 2807.35 2840.01 2901.57 62771136 5304823 5534243 6702789
B. ATMs                
3. Cash Withdrawal at ATMs $ 60308.11 4949.81 4625.94 4395.46 3063077 245223 240098 230952
3.1 Using Credit Cards $ 97.25 8.02 6.71 6.69 5084 417 366 369
3.2 Using Debit Cards $ 59965.70 4922.18 4601.37 4370.89 3046987 243930 238883 229713
3.3 Using Pre-paid Cards $ 245.16 19.62 17.86 17.89 11005 876 849 870
4. Cash Withdrawal at PoS $ 3.58 0.27 0.13 0.12 37 3 1 2
4.1 Using Debit Cards $ 3.33 0.25 0.10 0.10 35 3 1 1
4.2 Using Pre-paid Cards $ 0.25 0.01 0.02 0.02 3 0 0 0
5. Cash Withdrawal at Micro ATMs @ 11640.55 975.12 1245.48 1034.96 296622 23389 31157 26356
5.1 AePS @ 11640.55 975.12 1245.48 1034.96 296622 23389 31157 26356

PART III - Payment Infrastructures (lakh)
  As on March 2025 2024 September 2025 2025
August September
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 11006.97 10793.85 11303.57 11382.14
1.1 Credit Cards 1098.85 1061.03 1123.14 1133.90
1.2 Debit Cards 9908.12 9732.82 10180.42 10248.24
2 Number of PPIs @ 13401.46 15339.99 14584.13 16180.40
2.1 Wallets @ 8678.44 11381.79 9692.18 11478.95
2.2 Cards @ 4723.02 3958.20 4891.95 4701.45
3 Number of ATMs and CRMs 2.56 2.55 2.49 2.49
3.1 Bank owned ATMs$ and CRMs# 2.20 2.20 2.12 2.12
3.2 White Label ATMs $ 0.36 0.35 0.36 0.37
4 Number of Micro ATMs @ 14.82 14.53 14.71 14.60
5 Number of PoS Terminals 110.98 93.43 119.73 121.24
6 Bharat QR @ 67.18 64.16 65.97 60.95
7 UPI QR * 6579.30 6070.79 6978.38 7090.66

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)
2025 2025 2025 2025
August September August September
1. Card Payments 120.40 136.04 9166 10212
1.1 Credit Cards 77.94 87.55 6917 7821
1.1.1 PoS based 29.32 36.09 2009 2547
1.1.2 Online 48.62 51.46 4908 5274
1.2 Debit Cards 42.47 48.48 2249 2391
1.2.1 PoS based 18.33 23.55 654 799
1.2.2 Online 24.14 24.93 1595 1592
2. Prepaid Payment Instruments 28.07 35.26 1204 1463
2.1 PoS based 23.94 30.33 922 1153
2.2 Online 4.13 4.93 283 309
3. Cash Withdrawal at ATMs 4.63 5.32 1184 1299
3.1 Using Credit Cards 0.37 0.42 69 78
3.2 Using Debit Cards 2.80 3.29 524 631
3.3 Using PPIs 1.47 1.61 592 591
Total International Payments 153.11 176.62 11555 12974

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
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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