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Payment System Indicators

Document - Payment System Indicators - December 2025 () or PDF - Payment System Indicators - December 2025 ()
Payment System Indicators - December 2025
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2024-25 2024 December 2025 2025 FY 2024-25 2024 December 2025 2025
November December November December
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 47.40 3.78 4.08 5.07 296218030 27448820 28209256 34813891
1.1 Govt. Securities Clearing 17.87 1.49 1.53 1.71 185733719 16506680 17161813 20459216
1.1.1 Outright 10.56 0.84 0.88 0.94 16056018 1348782 1226375 1358772
1.1.2 Repo 4.72 0.41 0.44 0.51 77286611 6377679 7838569 9176297
1.1.3 Tri-party Repo 2.58 0.24 0.21 0.26 92391091 8780219 8096869 9924147
1.2 Forex Clearing 28.06 2.16 2.46 3.27 100639565 9919285 10100567 13484010
1.3 Rupee Derivatives @ 1.46 0.13 0.08 0.10 9844746 1022855 946876 870666
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 3024.55 262.29 284.89 317.67 201387682 19163587 16881605 21969481
1.1 Customer Transactions 3010.32 261.11 283.75 316.41 181153129 17161423 15505696 19992108
1.2 Interbank Transactions 14.23 1.17 1.14 1.26 20234553 2002163 1375908 1977373
II Retail                
2 Credit Transfers - Retail 2061014.91 183786.41 221600.52 232522.27 79881976 6935632 7313610 8086110
2.1 AePS (Fund Transfers) @ 3.64 0.31 0.26 0.21 190 17 11 12
2.2 APBS $ 32964.43 2451.41 3375.31 2357.78 554034 58705 69483 81224
2.3 IMPS 56249.68 4411.64 3689.31 3799.33 7139110 601549 615177 662452
2.4 NACH Cr $ 16938.86 1315.94 1690.81 1240.69 1670223 135695 163208 168800
2.5 NEFT 96198.05 8307.02 8175.04 8777.58 44461464 3814966 3834099 4376909
2.6 UPI @ 1858660.25 167300.09 204669.79 216346.68 26056955 2324700 2631633 2796713
2.6.1 of which USSD @ 17.24 1.56 0.56 0.52 185 16 7 5
3 Debit Transfers and Direct Debits 21659.95 1905.47 1987.04 2012.39 2208583 198303 226304 242667
3.1 BHIM Aadhaar Pay @ 230.08 17.18 19.28 17.39 6907 547 609 600
3.2 NACH Dr $ 19762.28 1738.32 1835.73 1858.15 2199327 197549 225517 241878
3.3 NETC (linked to bank account) @ 1667.59 149.97 132.03 136.85 2349 207 178 189
4 Card Payments 63861.15 5608.59 6041.95 6447.58 2605110 228548 222942 241961
4.1 Credit Cards 47740.76 4328.50 5029.84 5398.34 2109197 187949 188799 204687
4.1.1 PoS based $ 24571.10 2240.03 2538.40 2726.32 795022 73048 75640 78476
4.1.2 Others $ 23169.66 2088.46 2491.45 2672.02 1314175 114901 113159 126210
4.2 Debit Cards 16120.39 1280.10 1012.11 1049.24 495914 40599 34143 37274
4.2.1 PoS based $ 11980.33 964.50 763.31 794.35 332556 27609 22754 24599
4.2.2 Others $ 4140.06 315.60 248.80 254.89 163358 12990 11389 12675
5 Prepaid Payment Instruments 70254.08 6377.99 8973.35 9755.15 216751 18992 24639 27044
5.1 Wallets 52898.40 4830.75 7347.33 8094.62 154066 14437 19265 20834
5.2 Cards 17355.68 1547.24 1626.02 1660.53 62686 4556 5374 6210
5.2.1 PoS based $ 8240.14 684.93 682.35 694.23 11512 991 1365 1391
5.2.2 Others $ 9115.54 862.31 943.66 966.30 51174 3565 4010 4819
6 Paper-based Instruments 6095.38 506.56 448.60 476.39 7113350 587879 570251 620352
6.1 CTS (NPCI Managed) 6095.38 506.56 448.60 476.39 7113350 587879 570251 620352
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 198185.02 239051.46 251213.79 92025771 7969354 8357746 9218135
Total Payments (1+2+3+4+5+6) 2225910.01 198447.31 239336.34 251531.46 293413453 27132941 25239350 31187617
Total Digital Payments (1+2+3+4+5) 2219814.63 197940.75 238887.74 251055.07 286300103 26545062 24669100 30567264

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2024-25 2024 December 2025 2025 FY 2024-25 2024 December 2025 2025
November December November December
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 1756976.91 156763.28 187787.15 198740.92 39206221 3455808 3769403 4029352
1.1 Intra-bank $ 110801.96 9183.14 10306.94 10679.51 7207439 618347 637681 694233
1.2 Inter-bank $ 1646174.95 147580.14 177480.21 188061.41 31998782 2837461 3131722 3335119
2 Internet Payments (Netbanking / internet browser based) @ 47478.09 4072.71 3527.10 3757.66 131858133 12203095 11864143 15193135
2.1 Intra-bank @ 13056.37 1155.00 809.63 875.29 69086996 6414756 6241771 8063055
2.2 Inter-bank @ 34421.72 2917.71 2717.48 2882.36 62771136 5788339 5622372 7130080
B. ATMs                
3. Cash Withdrawal at ATMs $ 60308.11 4950.77 4404.78 4469.09 3063077 252471 235313 240222
3.1 Using Credit Cards $ 97.25 8.12 6.72 6.96 5084 429 378 393
3.2 Using Debit Cards $ 59965.70 4923.54 4380.23 4444.02 3046987 251161 234055 238925
3.3 Using Pre-paid Cards $ 245.16 19.11 17.83 18.11 11005 881 880 904
4. Cash Withdrawal at PoS $ 3.58 0.29 0.14 0.14 37 3 2 2
4.1 Using Debit Cards $ 3.33 0.26 0.12 0.12 35 3 2 2
4.2 Using Pre-paid Cards $ 0.25 0.03 0.02 0.02 3 0 0 0
5. Cash Withdrawal at Micro ATMs @ 11640.55 910.87 1048.96 926.03 296622 23195 27358 24083
5.1 AePS @ 11640.55 910.87 1048.96 926.03 296622 23195 27358 24083

PART III - Payment Infrastructures (lakh)
  As on March 2025 2024 December 2025 2025
November December
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 11006.97 10990.04 11465.79 11501.30
1.1 Credit Cards 1098.85 1080.56 1148.76 1157.84
1.2 Debit Cards 9908.12 9909.48 10317.03 10343.46
2 Number of PPIs @ 13401.46 13272.19 19107.13 20873.16
2.1 Wallets @ 8678.44 8907.25 14410.18 16170.73
2.2 Cards @ 4723.02 4364.94 4696.95 4702.43
3 Number of ATMs and CRMs 2.56 2.55 2.51 2.50
3.1 Bank owned ATMs$ and CRMs# 2.20 2.19 2.13 2.13
3.2 White Label ATMs $ 0.36 0.36 0.37 0.37
4 Number of Micro ATMs @ 14.82 14.76 14.27 14.15
5 Number of PoS Terminals 110.98 100.01 112.54 114.75
6 Bharat QR @ 67.18 63.83 59.53 58.90
7 UPI QR * 6579.30 6335.30 7282.00 7313.65

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
November December November December
1. Card Payments 139.42 144.56 9606 10110
1.1 Credit Cards 87.66 90.97 7436 7756
1.1.1 PoS based 35.71 38.21 2556 2667
1.1.2 Online 51.95 52.76 4880 5090
1.2 Debit Cards 51.75 53.59 2171 2354
1.2.1 PoS based 25.51 26.96 797 833
1.2.2 Online 26.25 26.63 1374 1521
2. Prepaid Payment Instruments 31.55 29.19 1221 1161
2.1 PoS based 26.94 25.06 989 939
2.2 Online 4.61 4.14 232 221
3. Cash Withdrawal at ATMs 5.54 5.64 1211 1202
3.1 Using Credit Cards 0.40 0.35 70 53
3.2 Using Debit Cards 3.59 3.81 628 664
3.3 Using PPIs 1.55 1.48 513 485
Total International Payments 176.51 179.39 12038 12474

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
@: 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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