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Payment System Indicators

Document - Payment System Indicators - September 2026 () or PDF - Payment System Indicators - September 2026 ()
Payment System Indicators - September 2026
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2025-26 2025
September		 2026 2026 FY 2025-26 2025
September		 2026 2026
August September August September
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 56.84 4.95 4.46 5.36 367014602 30270023 31005770 35517676
1.1 Govt. Securities Clearing 20.08 1.75 1.71 1.75 214487317 18003263 17285561 19438157
1.1.1 Outright 11.76 1.04 1.03 0.98 17320069 1499643 1334862 1288697
1.1.2 Repo 5.62 0.48 0.44 0.50 93385356 7926471 7077210 7352026
1.1.3 Tri-party Repo 2.70 0.23 0.24 0.28 103781892 8577149 8873489 10797433
1.2 Forex Clearing 35.44 3.11 2.52 3.39 141483010 11417001 12465073 14852520
1.3 Rupee Derivatives @ 1.32 0.09 0.22 0.22 11044275 849759 1255136 1226999
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 3499.79 280.83 315.19 325.96 227372648 19836942 20583738 23571797
1.1 Customer Transactions 3485.43 279.64 314.11 324.86 206929117 18220475 19020888 21780826
1.2 Interbank Transactions 14.36 1.19 1.08 1.09 20443531 1616467 1562849 1790971
II Retail                
2 Credit Transfers - Retail 2618738.01 213074.92 261894.57 256188.55 91939186 7543380 8363619 8537128
2.1 AePS (Fund Transfers) @ 3.28 0.26 0.23 0.22 170 12 13 12
2.2 APBS $ 33854.21 2542.90 2884.71 1992.35 717040 41746 50205 32187
2.3 IMPS 49431.09 3943.79 3599.42 3540.80 7669929 596847 703724 705912
2.4 NACH Cr $ 18284.42 1850.43 1495.61 1350.45 1902293 149729 218769 186383
2.5 NEFT 100996.15 8403.21 8825.02 8620.93 50226505 4265310 4408552 4675237
2.6 UPI @ 2416168.86 196334.33 245089.58 240683.80 31423250 2489737 2982356 2937397
2.6.1 of which USSD @ 14.31 0.94 0.74 1.19 188 10 8 10
3 Debit Transfers and Direct Debits 23471.34 1926.97 2106.33 2110.73 2697355 222919 260458 270727
3.1 BHIM Aadhaar Pay @ 231.96 18.90 26.75 18.14 7739 591 720 523
3.2 NACH Dr $ 21614.19 1786.47 1936.23 1958.66 2687459 222164 259560 270032
3.3 NETC (linked to bank account) @ 1625.19 121.60 143.35 133.93 2157 164 178 171
4 Card Payments 73039.76 5999.80 7363.12 7069.57 2807946 253483 239146 238008
4.1 Credit Cards 60237.64 4952.41 6324.47 6100.85 2362471 216707 202449 203938
4.1.1 PoS based $ 30153.21 2416.15 3088.37 2981.59 885019 72544 79355 77751
4.1.2 Others $ 30084.43 2536.26 3236.11 3119.25 1477452 144163 123094 126186
4.2 Debit Cards 12802.12 1047.39 1038.65 968.72 445475 36776 36697 34070
4.2.1 PoS based $ 9601.85 777.56 761.34 707.48 293537 22773 22829 20704
4.2.2 Others $ 3200.27 269.83 277.31 261.24 151938 14003 13868 13367
5 Prepaid Payment Instruments 98699.47 8551.51 9694.62 9648.44 286429 22637 27467 27456
5.1 Wallets 78570.94 6871.58 7449.52 7372.82 223016 17183 22492 22795
5.2 Cards 20128.53 1679.93 2245.10 2275.61 63414 5454 4975 4661
5.2.1 PoS based $ 8356.49 688.72 862.41 942.81 14373 1092 1258 1304
5.2.2 Others $ 11772.04 991.22 1382.69 1332.81 49041 4362 3717 3357
6 Paper-based Instruments 5587.83 464.86 413.81 424.90 7147568 570467 579857 618064
6.1 CTS (NPCI Managed) 5587.83 464.86 413.81 424.90 7147568 570467 579857 618064
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 230018.06 281472.45 275442.18 104878484 8612885 9470546 9691383
Total Payments (1+2+3+4+5+6) 2823036.19 230298.89 281787.65 275768.14 332251133 28449827 30054284 33263180
Total Digital Payments (1+2+3+4+5) 2817448.36 229834.03 281373.84 275343.24 325103565 27879360 29474427 32645116

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2025-26 2025
September		 2026 2026 FY 2025-26 2025
September		 2026 2026
August September August September
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 2226710.88 181008.61 210381.64 203590.79 45558548 3618114 4026612 3977993.55
1.1 Intra-bank $ 122837.81 10469.49 11528.33 10924.49 7917883 633733 749640 744124
1.2 Inter-bank $ 2103873.07 170539.12 198853.31 192666.30 37640666 2984381 3276972 3233870
2 Internet Payments (Netbanking / internet browser based) @ 44541.07 3755.37 3262.27 3169.42 158930351 13654298 12076198 13539111
2.1 Intra-bank @ 10212.76 853.80 675.75 649.11 83681438 7091903 5538148 6121106
2.2 Inter-bank @ 34328.30 2901.57 2586.52 2520.32 75248914 6562395 6538050 7418005
B. ATMs                
3. Cash Withdrawal at ATMs $ 53689.48 4395.48 4144.62 4006.59 2873737 230952 225178 220378
3.1 Using Credit Cards $ 81.07 6.69 6.84 6.63 4525 369 387 383
3.2 Using Debit Cards $ 53394.13 4370.90 4120.45 3983.07 2858626 229713 223907 219131
3.3 Using Pre-paid Cards $ 214.27 17.89 17.33 16.89 10586 870 883 864
4. Cash Withdrawal at PoS $ 1.69 0.12 0.10 0.10 22 2 2 2
4.1 Using Debit Cards $ 1.39 0.10 0.07 0.06 18 1 1 1
4.2 Using Pre-paid Cards $ 0.30 0.02 0.03 0.04 4 0 0 1
5. Cash Withdrawal at Micro ATMs @ 12126.36 1034.96 999.48 926.34 322744 26356 24747 22643
5.1 AePS @ 12126.36 1034.96 999.48 926.34 322744 26356 24747 22643

PART III - Payment Infrastructures (lakh)
  As on March 2026 2025
September		 2026 2026
August September
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 11632.02 11383.16 11608.32 11650.16
1.1 Credit Cards 1186.34 1135.07 1240.04 1253.15
1.2 Debit Cards 10445.69 10248.09 10368.29 10397.01
2 Number of PPIs @ 22992.54 16180.40 23320.35 23635.71
2.1 Wallets @ 18253.41 11478.95 18389.26 18660.03
2.2 Cards @ 4739.13 4701.45 4931.09 4975.68
3 Number of ATMs and CRMs 2.54 2.49 2.53 2.52
3.1 Bank owned ATMs$ and CRMs# 2.16 2.12 2.17 2.17
3.2 White Label ATMs $ 0.38 0.37 0.36 0.36
4 Number of Micro ATMs @ 13.90 14.60 13.26 13.33
5 Number of PoS Terminals 117.69 121.16 102.08 104.19
6 Bharat QR @ 56.33 60.71 53.30 53.40
7 UPI QR * 7612.17 7089.75 8130.32 8855.05

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
August September August September
1. Card Payments 140.80 164.60 10537 11918
1.1 Credit Cards 93.31 108.01 8146 9308
1.1.1 PoS based 34.15 44.07 2365 3041
1.1.2 Online 59.15 63.94 5781 6266
1.2 Debit Cards 47.50 56.59 2392 2610
1.2.1 PoS based 20.19 27.27 676 828
1.2.2 Online 27.30 29.33 1716 1782
2. Prepaid Payment Instruments 26.56 33.98 1139 1426
2.1 PoS based 22.79 29.29 906 1143
2.2 Online 3.77 4.69 233 283
3. Cash Withdrawal at ATMs 4.12 4.98 1086 1289
3.1 Using Credit Cards 0.28 0.33 53 62
3.2 Using Debit Cards 2.62 3.30 560 724
3.3 Using PPIs 1.23 1.35 473 503
Total International Payments 171.49 203.56 12763 14633

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
April 2026 2.87 410 91286.90 0.141 bps
May 2026 2.61 385 103701.91 0.137 bps
June 2026 3.53 489 75719.54 0.150 bps
July 2026 3.43 458 80846.92 0.142 bps
August 2026 3.43 460 83538.64 0.152 bps
September 2026 3.58 493 78408.14 0.147 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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