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Payment System Indicators

Document - Payment System Indicators - April 2026 () or PDF - Payment System Indicators - April 2026 ()
Payment System Indicators - April 2026
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2025-26 2025 April 2026 2026 FY 2025-26 2025 April 2026 2026
March April March April
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 56.84 5.07 4.44 4.65 367014602 29399814 30819254 32290516
1.1 Govt. Securities Clearing 20.08 1.89 1.51 1.67 214487317 16657576 16548550 16817588
1.1.1 Outright 11.76 1.30 0.84 0.99 17320069 2017823 1200663 1351982
1.1.2 Repo 5.62 0.38 0.46 0.46 93385356 7078422 6833924 6706602
1.1.3 Tri-party Repo 2.70 0.20 0.22 0.22 103781892 7561331 8513963 8759004
1.2 Forex Clearing 35.44 3.07 2.76 2.81 141483010 11992139 13006222 14216020
1.3 Rupee Derivatives @ 1.32 0.11 0.16 0.16 11044275 750099 1264482 1256908
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 3499.79 262.41 367.45 315.56 227372648 16895789 23758759 19248590
1.1 Customer Transactions 3485.43 261.16 366.26 314.47 206929117 15060026 22131384 17613014
1.2 Interbank Transactions 14.36 1.24 1.20 1.09 20443531 1835763 1627375 1635576
II Retail                
2 Credit Transfers - Retail 2618738.01 194925.94 244356.27 238826.91 91939186 7126205 9619673 8240533
2.1 AePS (Fund Transfers) @ 3.28 0.30 0.27 0.27 170 16 16 17
2.2 APBS $ 33854.21 2610.51 3335.83 2372.04 717040 57566 83656 44625
2.3 IMPS 49431.09 4492.53 3656.79 3624.87 7669929 621666 740176 700909
2.4 NACH Cr $ 18284.42 1200.84 1561.87 1031.28 1902293 154683 181678 167523
2.5 NEFT 100996.15 7687.52 9390.43 8330.47 50226505 3897348 5661604 4424471
2.6 UPI @ 2416168.86 178934.24 226411.08 223467.97 31423250 2394926 2952542 2902988
2.6.1 of which USSD @ 14.31 1.22 1.23 1.15 188 13 13 12
3 Debit Transfers and Direct Debits 23471.34 1869.90 2075.65 2031.08 2697355 198565 257724 241715
3.1 BHIM Aadhaar Pay @ 231.96 17.39 20.99 21.26 7739 601 800 850
3.2 NACH Dr $ 21614.19 1709.27 1927.45 1883.26 2687459 197780 256744 240687
3.3 NETC (linked to bank account) @ 1625.19 143.24 127.21 126.56 2157 184 180 178
4 Card Payments 73039.76 5673.64 6787.94 6574.99 2807946 222351 257443 234281
4.1 Credit Cards 60237.64 4502.70 5774.76 5596.15 2362471 184237 219495 197305
4.1.1 PoS based $ 30153.21 2281.41 2840.35 2755.84 885019 67899 78470 73849
4.1.2 Others $ 30084.43 2221.29 2934.41 2840.31 1477452 116338 141024 123456
4.2 Debit Cards 12802.12 1170.93 1013.17 978.85 445475 38113 37948 36977
4.2.1 PoS based $ 9601.85 875.30 749.32 721.48 293537 26187 24346 24343
4.2.2 Others $ 3200.27 295.63 263.85 257.37 151938 11926 13602 12633
5 Prepaid Payment Instruments 98699.47 6768.43 8749.63 8573.06 286429 21254 28563 28125
5.1 Wallets 78570.94 5157.38 6959.28 6768.34 223016 15896 22448 22201
5.2 Cards 20128.53 1611.04 1790.35 1804.72 63414 5358 6114 5924
5.2.1 PoS based $ 8356.49 649.25 795.76 809.55 14373 1093 1343 1244
5.2.2 Others $ 11772.04 961.79 994.59 995.17 49041 4265 4771 4680
6 Paper-based Instruments 5587.83 494.77 491.89 454.32 7147568 645079 691723 693190
6.1 CTS (NPCI Managed) 5587.83 494.77 491.89 454.32 7147568 645079 691723 693190
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 209732.67 262461.38 256460.36 104878484 8213454 10855126 9437844
Total Payments (1+2+3+4+5+6) 2823036.19 209995.08 262828.83 256775.92 332251133 25109243 34613885 28686433
Total Digital Payments (1+2+3+4+5) 2817448.36 209500.31 262336.94 256321.60 325103565 24464164 33922162 27993244

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2025-26 2025 April 2026 2026 FY 2025-26 2025 April 2026 2026
March April March April
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 2226710.88 165826.22 208803.96 206900.26 45558548 3504510 4386940 4207120.73
1.1 Intra-bank $ 122837.81 9304.80 10802.29 10611.15 7917883 617807 764233 719824
1.2 Inter-bank $ 2103873.07 156521.42 198001.67 196289.11 37640666 2886703 3622707 3487297
2 Internet Payments (Netbanking / internet browser based) @ 44541.07 3653.49 3869.60 3504.17 158930351 11633517 16819300 13660002
2.1 Intra-bank @ 10212.76 838.00 888.88 853.50 83681438 6048107 8836592 7063192
2.2 Inter-bank @ 34328.30 2815.49 2980.72 2650.67 75248914 5585409 7982708 6596810
B. ATMs                
3. Cash Withdrawal at ATMs $ 53689.48 4602.65 4465.03 4153.80 2873737 244747 249762 232482
3.1 Using Credit Cards $ 81.07 6.86 7.08 6.41 4525 373 408 365
3.2 Using Debit Cards $ 53394.13 4578.06 4439.99 4130.07 2858626 243494 248419 231206
3.3 Using Pre-paid Cards $ 214.27 17.73 17.96 17.32 10586 881 935 911
4. Cash Withdrawal at PoS $ 1.69 0.17 0.13 0.11 22 2 2 2
4.1 Using Debit Cards $ 1.39 0.15 0.10 0.08 18 1 2 2
4.2 Using Pre-paid Cards $ 0.30 0.02 0.03 0.03 4 0 0 0
5. Cash Withdrawal at Micro ATMs @ 12126.36 928.36 1075.37 903.83 322744 25662 30529 26214
5.1 AePS @ 12126.36 928.36 1075.37 903.83 322744 25662 30529 26214

PART III - Payment Infrastructures (lakh)
  As on March 2026 2025 April 2026 2026
March April
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 11632.02 11064.21 11632.02 11428.28
1.1 Credit Cards 1186.34 1104.37 1186.34 1194.36
1.2 Debit Cards 10445.69 9959.84 10445.69 10233.92
2 Number of PPIs @ 22992.54 13449.86 22992.54 23185.47
2.1 Wallets @ 18253.41 8724.36 18253.41 18390.92
2.2 Cards @ 4739.13 4725.51 4739.13 4794.55
3 Number of ATMs and CRMs 2.54 2.55 2.54 2.54
3.1 Bank owned ATMs$ and CRMs# 2.16 2.19 2.16 2.16
3.2 White Label ATMs $ 0.38 0.36 0.38 0.38
4 Number of Micro ATMs @ 13.90 14.74 13.90 13.68
5 Number of PoS Terminals 117.69 112.83 117.69 114.47
6 Bharat QR @ 56.33 66.64 56.33 56.16
7 UPI QR * 7612.17 6623.85 7612.17 7708.11

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
March April March April
1. Card Payments 127.99 134.82 8557 9717
1.1 Credit Cards 80.31 85.02 6657 7595
1.1.1 PoS based 28.44 31.15 1834 2123
1.1.2 Online 51.87 53.87 4823 5471
1.2 Debit Cards 47.68 49.80 1900 2123
1.2.1 PoS based 21.96 23.70 556 609
1.2.2 Online 25.71 26.10 1344 1513
2. Prepaid Payment Instruments 21.97 23.02 816 956
2.1 PoS based 18.69 19.76 645 765
2.2 Online 3.27 3.26 172 192
3. Cash Withdrawal at ATMs 4.83 4.84 1072 1103
3.1 Using Credit Cards 0.29 0.28 47 49
3.2 Using Debit Cards 3.34 3.37 608 628
3.3 Using PPIs 1.21 1.18 417 427
Total International Payments 154.79 162.68 10445 11777

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
@: 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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