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Payment System Indicators

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Payment System Indicators - February 2026
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2024-25 2025 February 2026 2026 FY 2024-25 2025 February 2026 2026
January February January February
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 47.40 3.72 4.35 4.37 296218030 25171733 32155354 29363078
1.1 Govt. Securities Clearing 17.87 1.16 1.61 1.62 185733719 14137926 18709470 17227564
1.1.1 Outright 10.56 0.63 0.90 0.94 16056018 1088598 1235356 1339433
1.1.2 Repo 4.72 0.33 0.46 0.46 77286611 5916603 7775968 6696115
1.1.3 Tri-party Repo 2.58 0.20 0.25 0.22 92391091 7132725 9698147 9192017
1.2 Forex Clearing 28.06 2.45 2.64 2.62 100639565 9957432 12450917 11010746
1.3 Rupee Derivatives @ 1.46 0.12 0.10 0.13 9844746 1076374 994967 1124767
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 3024.55 244.20 316.99 305.85 201387682 16099371 19176704 18859418
1.1 Customer Transactions 3010.32 243.05 315.76 304.71 181153129 14226027 17580604 17509377
1.2 Interbank Transactions 14.23 1.16 1.23 1.14 20234553 1873344 1596100 1350041
II Retail                
2 Credit Transfers - Retail 2061014.91 177394.61 233364.66 219247.39 79881976 6497660 8078680 7793908
2.1 AePS (Fund Transfers) @ 3.64 0.28 0.24 0.23 190 16 14 14
2.2 APBS $ 32964.43 3103.12 2616.49 2119.52 554034 57097 81195 51081
2.3 IMPS 56249.68 4048.29 3740.33 3360.96 7139110 563082 672989 642474
2.4 NACH Cr $ 16938.86 1533.06 1248.95 1702.37 1670223 140881 161580 164970
2.5 NEFT 96198.05 7647.93 8724.20 8122.47 44461464 3540103 4329421 4251141
2.6 UPI @ 1858660.25 161061.93 217034.45 203941.84 26056955 2196482 2833481 2684229
2.6.1 of which USSD @ 17.24 1.15 1.14 2.32 185 13 12 25
3 Debit Transfers and Direct Debits 21659.95 1862.80 2016.80 1989.09 2208583 193068 240345 235001
3.1 BHIM Aadhaar Pay @ 230.08 15.67 17.87 16.45 6907 494 648 636
3.2 NACH Dr $ 19762.28 1701.10 1865.64 1849.39 2199327 192387 239514 234191
3.3 NETC (linked to bank account) @ 1667.59 146.03 133.29 123.25 2349 186 184 174
4 Card Payments 63861.15 5052.09 6415.41 5855.08 2605110 201522 237042 210427
4.1 Credit Cards 47740.76 3969.59 5397.11 4937.95 2109197 167208 199085 177292
4.1.1 PoS based $ 24571.10 1999.96 2674.95 2434.00 795022 62125 75988 67435
4.1.2 Others $ 23169.66 1969.63 2722.16 2503.95 1314175 105083 123097 109857
4.2 Debit Cards 16120.39 1082.50 1018.29 917.12 495914 34314 37957 33135
4.2.1 PoS based $ 11980.33 803.42 773.20 689.77 332556 23216 25513 21862
4.2.2 Others $ 4140.06 279.07 245.10 227.36 163358 11098 12444 11273
5 Prepaid Payment Instruments 70254.08 6398.44 9537.91 8359.24 216751 19236 27626 25969
5.1 Wallets 52898.40 4850.75 7716.41 6652.06 154066 14404 20985 19829
5.2 Cards 17355.68 1547.69 1821.50 1707.18 62686 4833 6641 6140
5.2.1 PoS based $ 8240.14 641.84 827.76 793.50 11512 969 1582 1427
5.2.2 Others $ 9115.54 905.86 993.74 913.68 51174 3863 5059 4713
6 Paper-based Instruments 6095.38 462.02 458.71 430.51 7113350 540834 601415 579783
6.1 CTS (NPCI Managed) 6095.38 462.02 458.71 430.51 7113350 540834 601415 579783
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 191169.95 251793.49 235881.31 92025771 7452321 9185108 8845088
Total Payments (1+2+3+4+5+6) 2225910.01 191414.16 252110.48 236187.16 293413453 23551692 28361812 27704507
Total Digital Payments (1+2+3+4+5) 2219814.63 190952.14 251651.77 235756.65 286300103 23010857 27760397 27124723

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2024-25 2025 February 2026 2026 FY 2024-25 2025 February 2026 2026
January February January February
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 1756976.91 150031.46 199030.19 186834.81 39206221 3215517 4120743 3914509
1.1 Intra-bank $ 110801.96 8703.42 10652.94 9717.48 7207439 558355 709083 685836
1.2 Inter-bank $ 1646174.95 141328.04 188377.24 177117.33 31998782 2657162 3411659 3228673
2 Internet Payments (Netbanking / internet browser based) @ 47478.09 3635.80 3722.95 3521.30 131858133 10339284 13897998 13824038
2.1 Intra-bank @ 13056.37 1003.69 844.98 804.89 69086996 5354635 7378948 7438766
2.2 Inter-bank @ 34421.72 2632.11 2877.97 2716.41 62771136 4984649 6519051 6385272
B. ATMs                
3. Cash Withdrawal at ATMs $ 60308.11 4497.97 4437.06 4168.36 3063077 235618 240472 231465
3.1 Using Credit Cards $ 97.25 6.84 6.97 6.35 5084 370 394 364
3.2 Using Debit Cards $ 59965.70 4473.77 4412.00 4145.12 3046987 234408 239172 230242
3.3 Using Pre-paid Cards $ 245.16 17.36 18.09 16.89 11005 840 906 859
4. Cash Withdrawal at PoS $ 3.58 0.22 0.15 0.14 37 2 2 2
4.1 Using Debit Cards $ 3.33 0.19 0.12 0.11 35 2 2 2
4.2 Using Pre-paid Cards $ 0.25 0.03 0.02 0.03 3 0 0 0
5. Cash Withdrawal at Micro ATMs @ 11640.55 921.64 956.67 867.37 296622 23605 24737 24595
5.1 AePS @ 11640.55 921.64 956.67 867.37 296622 23605 24737 24595

PART III - Payment Infrastructures (lakh)
  As on March 2025 2025 February 2026 2026
January February
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 11006.97 10949.92 11544.09 11594.71
1.1 Credit Cards 1098.85 1093.15 1166.52 1177.04
1.2 Debit Cards 9908.12 9856.77 10377.57 10417.67
2 Number of PPIs @ 13401.46 13619.31 22053.38 22673.29
2.1 Wallets @ 8678.44 9006.43 17268.45 17930.89
2.2 Cards @ 4723.02 4612.88 4784.92 4742.39
3 Number of ATMs and CRMs 2.56 2.58 2.52 2.53
3.1 Bank owned ATMs$ and CRMs# 2.20 2.22 2.14 2.15
3.2 White Label ATMs $ 0.36 0.36 0.38 0.38
4 Number of Micro ATMs @ 14.82 14.68 13.92 13.90
5 Number of PoS Terminals 110.98 107.18 115.45 116.65
6 Bharat QR @ 67.18 65.48 58.44 58.97
7 UPI QR * 6579.30 6496.91 7383.80 7542.04

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
January February January February
1. Card Payments 131.27 117.74 9852 8367
1.1 Credit Cards 81.92 73.32 7477 6438
1.1.1 PoS based 32.11 27.16 2422 1946
1.1.2 Online 49.81 46.16 5055 4492
1.2 Debit Cards 49.35 44.42 2375 1929
1.2.1 PoS based 23.73 21.02 767 630
1.2.2 Online 25.62 23.40 1608 1299
2. Prepaid Payment Instruments 24.17 22.54 1060 884
2.1 PoS based 20.54 18.86 830 698
2.2 Online 3.64 3.68 229 186
3. Cash Withdrawal at ATMs 5.23 4.70 1206 1110
3.1 Using Credit Cards 0.30 0.26 51 46
3.2 Using Debit Cards 3.60 3.21 671 629
3.3 Using PPIs 1.32 1.22 484 435
Total International Payments 160.68 144.98 12118 10360

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
@: 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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