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Payment System Indicators

Document - Payment System Indicators - August 2026 () or PDF - Payment System Indicators - August 2026 ()
Payment System Indicators - August 2026
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2025-26 2025
August		 2026 2026 FY 2025-26 2025
August		 2026 2026
July August July August
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 56.84 4.28 5.84 4.46 367014602 28151946 36265477 31005770
1.1 Govt. Securities Clearing 20.08 1.50 2.23 1.71 214487317 16614170 20968267 17285561
1.1.1 Outright 11.76 0.81 1.44 1.03 17320069 1240951 1759884 1334862
1.1.2 Repo 5.62 0.47 0.50 0.44 93385356 7489700 8251953 7077210
1.1.3 Tri-party Repo 2.70 0.22 0.28 0.24 103781892 7883520 10956430 8873489
1.2 Forex Clearing 35.44 2.69 3.35 2.52 141483010 10788097 14024461 12465073
1.3 Rupee Derivatives @ 1.32 0.10 0.26 0.22 11044275 749679 1272748 1255136
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 3499.79 259.68 333.10 315.19 227372648 16371216 22307107 20583738
1.1 Customer Transactions 3485.43 258.52 331.95 314.11 206929117 14993007 20378017 19020888
1.2 Interbank Transactions 14.36 1.16 1.16 1.08 20443531 1378209 1929090 1562849
II Retail                
2 Credit Transfers - Retail 2618738.01 218816.17 253061.29 261894.57 91939186 7102303 8592159 8363619
2.1 AePS (Fund Transfers) @ 3.28 0.31 0.22 0.23 170 16 12 13
2.2 APBS $ 33854.21 3817.08 2667.40 2884.71 717040 66150 54236 50205
2.3 IMPS 49431.09 4772.62 3643.39 3599.42 7669929 597549 711704 703724
2.4 NACH Cr $ 18284.42 1854.46 1196.70 1495.61 1902293 167856 177251 218769
2.5 NEFT 100996.15 8288.60 8970.05 8825.02 50226505 3785260 4661076 4408552
2.6 UPI @ 2416168.86 200083.10 236583.53 245089.58 31423250 2485473 2987880 2982356
2.6.1 of which USSD @ 14.31 0.69 1.36 0.74 188 7 13 8
3 Debit Transfers and Direct Debits 23471.34 1929.02 2100.53 2106.33 2697355 214928 262336 260458
3.1 BHIM Aadhaar Pay @ 231.96 25.38 24.42 26.75 7739 718 778 720
3.2 NACH Dr $ 21614.19 1764.13 1933.17 1936.23 2687459 214031 261381 259560
3.3 NETC (linked to bank account) @ 1625.19 139.51 142.94 143.35 2157 178 177 178
4 Card Payments 73039.76 6056.57 7068.23 7363.12 2807946 228576 246118 239146
4.1 Credit Cards 60237.64 4935.77 6052.67 6324.47 2362471 191170 208186 202449
4.1.1 PoS based $ 30153.21 2501.63 2937.34 3088.37 885019 72753 75740 79355
4.1.2 Others $ 30084.43 2434.15 3115.33 3236.11 1477452 118417 132445 123094
4.2 Debit Cards 12802.12 1120.80 1015.56 1038.65 445475 37406 37932 36697
4.2.1 PoS based $ 9601.85 843.59 741.21 761.34 293537 24663 22176 22829
4.2.2 Others $ 3200.27 277.21 274.35 277.31 151938 12743 15757 13868
5 Prepaid Payment Instruments 98699.47 7966.16 9253.65 9694.62 286429 22253 28607 27467
5.1 Wallets 78570.94 6246.19 7147.86 7449.52 223016 17169 21889 22492
5.2 Cards 20128.53 1719.97 2105.78 2245.10 63414 5083 6718 4975
5.2.1 PoS based $ 8356.49 669.51 839.65 862.41 14373 1030 1247 1258
5.2.2 Others $ 11772.04 1050.45 1266.14 1382.69 49041 4054 5472 3717
6 Paper-based Instruments 5587.83 446.03 446.78 413.81 7147568 540025 643873 579857
6.1 CTS (NPCI Managed) 5587.83 446.03 446.78 413.81 7147568 540025 643873 579857
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 235213.95 271930.47 281472.45 104878484 8108084 9773093 9470546
Total Payments (1+2+3+4+5+6) 2823036.19 235473.63 272263.58 281787.65 332251133 24479300 32080199 30054284
Total Digital Payments (1+2+3+4+5) 2817448.36 235027.60 271816.80 281373.84 325103565 23939275 31436327 29474427

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2025-26 2025
August		 2026 2026 FY 2025-26 2025
August		 2026 2026
July August July August
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 2226710.88 184421.97 204168.17 210296.98 45558548 3539156 4068647 4027267.22
1.1 Intra-bank $ 122837.81 10513.94 11190.58 11528.33 7917883 605043 752050 749640
1.2 Inter-bank $ 2103873.07 173908.03 192977.59 198768.65 37640666 2934113 3316597 3277627
2 Internet Payments (Netbanking / internet browser based) @ 44541.07 3638.12 3479.52 3262.27 158930351 11554723 13107417 12076198
2.1 Intra-bank @ 10212.76 798.11 703.39 675.75 83681438 6020479 5969791 5538148
2.2 Inter-bank @ 34328.30 2840.01 2776.13 2586.52 75248914 5534243 7137626 6538050
B. ATMs                
3. Cash Withdrawal at ATMs $ 53689.48 4625.94 4076.24 4144.62 2873737 240098 220592 225178
3.1 Using Credit Cards $ 81.07 6.71 6.53 6.84 4525 366 372 387
3.2 Using Debit Cards $ 53394.13 4601.37 4052.01 4120.45 2858626 238883 219308 223907
3.3 Using Pre-paid Cards $ 214.27 17.86 17.70 17.33 10586 849 912 883
4. Cash Withdrawal at PoS $ 1.69 0.13 0.10 0.10 22 1 2 2
4.1 Using Debit Cards $ 1.39 0.10 0.06 0.07 18 1 1 1
4.2 Using Pre-paid Cards $ 0.30 0.02 0.04 0.03 4 0 0 0
5. Cash Withdrawal at Micro ATMs @ 12126.36 1245.48 965.01 999.48 322744 31157 26170 24747
5.1 AePS @ 12126.36 1245.48 965.01 999.48 322744 31157 26170 24747

PART III - Payment Infrastructures (lakh)
  As on March 2026 2025
August		 2026 2026
July August
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 11632.02 11305.38 11561.69 11608.82
1.1 Credit Cards 1186.34 1124.96 1228.58 1240.54
1.2 Debit Cards 10445.69 10180.42 10333.11 10368.29
2 Number of PPIs @ 22992.54 14584.13 22885.19 23320.35
2.1 Wallets @ 18253.41 9692.18 18103.14 18389.26
2.2 Cards @ 4739.13 4891.95 4782.05 4931.09
3 Number of ATMs and CRMs 2.54 2.49 2.53 2.53
3.1 Bank owned ATMs$ and CRMs# 2.16 2.12 2.17 2.17
3.2 White Label ATMs $ 0.38 0.36 0.36 0.36
4 Number of Micro ATMs @ 13.90 14.71 13.28 13.26
5 Number of PoS Terminals 117.69 119.65 100.28 102.08
6 Bharat QR @ 56.33 65.73 52.69 53.30
7 UPI QR * 7612.17 6977.47 8030.48 8130.31

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
July August July August
1. Card Payments 147.63 140.80 11024 10537
1.1 Credit Cards 97.52 93.31 8619 8146
1.1.1 PoS based 37.69 34.15 2800 2365
1.1.2 Online 59.83 59.15 5819 5781
1.2 Debit Cards 50.11 47.50 2405 2392
1.2.1 PoS based 22.14 20.19 745 676
1.2.2 Online 27.96 27.30 1660 1716
2. Prepaid Payment Instruments 29.67 26.56 1297 1139
2.1 PoS based 25.65 22.79 1073 906
2.2 Online 4.02 3.77 224 233
3. Cash Withdrawal at ATMs 4.37 4.12 1106 1086
3.1 Using Credit Cards 0.30 0.28 58 53
3.2 Using Debit Cards 2.78 2.62 568 560
3.3 Using PPIs 1.29 1.23 480 473
Total International Payments 181.67 171.49 13427 12763

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
@: 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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