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Payment System Indicators

Document - Payment System Indicators - May 2026 () or PDF - Payment System Indicators - May 2026 ()
Payment System Indicators - May 2026
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2025-26 2025 May 2026 2026 FY 2025-26 2025 May 2026 2026
April May April May
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 56.84 5.48 4.65 4.87 367014602 29656042 32290516 32125386
1.1 Govt. Securities Clearing 20.08 1.94 1.67 1.71 214487317 17500816 16817588 18071700
1.1.1 Outright 11.76 1.28 0.99 1.03 17320069 1875057 1351982 1254908
1.1.2 Repo 5.62 0.45 0.46 0.43 93385356 7645792 6706602 6790220
1.1.3 Tri-party Repo 2.70 0.21 0.22 0.25 103781892 7979967 8759004 10026571
1.2 Forex Clearing 35.44 3.44 2.81 2.96 141483010 11363617 14216020 12462096
1.3 Rupee Derivatives @ 1.32 0.10 0.16 0.21 11044275 791608 1256908 1591591
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 3499.79 274.71 315.56 315.38 227372648 17013770 19248590 18618676
1.1 Customer Transactions 3485.43 273.46 314.47 314.27 206929117 15219873 17613014 17246274
1.2 Interbank Transactions 14.36 1.25 1.09 1.11 20443531 1793897 1635576 1372402
II Retail                
2 Credit Transfers - Retail 2618738.01 203656.72 238826.91 246885.68 91939186 7146649 8240533 8135516
2.1 AePS (Fund Transfers) @ 3.28 0.31 0.27 0.24 170 17 17 14
2.2 APBS $ 33854.21 2786.17 2372.04 2048.40 717040 50985 44625 62137
2.3 IMPS 49431.09 4636.60 3624.87 3580.97 7669929 640867 700909 695701
2.4 NACH Cr $ 18284.42 1243.57 1031.28 740.50 1902293 147380 167523 154628
2.5 NEFT 100996.15 8215.47 8330.47 8496.29 50226505 3793103 4424471 4232611
2.6 UPI @ 2416168.86 186774.60 223467.97 232019.28 31423250 2514297 2902988 2990424
2.6.1 of which USSD @ 14.31 1.79 1.15 1.28 188 33 12 13
3 Debit Transfers and Direct Debits 23471.34 1895.74 2031.08 2087.74 2697355 206368 241715 247007
3.1 BHIM Aadhaar Pay @ 231.96 19.51 21.26 27.29 7739 641 850 968
3.2 NACH Dr $ 21614.19 1723.65 1883.26 1897.25 2687459 205535 240687 245849
3.3 NETC (linked to bank account) @ 1625.19 152.58 126.56 163.20 2157 192 178 190
4 Card Payments 73039.76 5827.40 6570.42 6953.63 2807946 226810 234177 238163
4.1 Credit Cards 60237.64 4676.93 5595.27 5955.02 2362471 189832 197274 202742
4.1.1 PoS based $ 30153.21 2359.14 2755.56 2903.64 885019 69607 73835 76095
4.1.2 Others $ 30084.43 2317.79 2839.71 3051.38 1477452 120224 123439 126647
4.2 Debit Cards 12802.12 1150.47 975.14 998.62 445475 36978 36903 35420
4.2.1 PoS based $ 9601.85 861.57 718.05 737.79 293537 24735 24269 22187
4.2.2 Others $ 3200.27 288.90 257.09 260.83 151938 12243 12633 13233
5 Prepaid Payment Instruments 98699.47 7106.39 8573.06 9022.57 286429 20722 28125 29443
5.1 Wallets 78570.94 5474.25 6768.34 7132.74 223016 16668 22201 22677
5.2 Cards 20128.53 1632.13 1804.72 1889.82 63414 4053 5924 6766
5.2.1 PoS based $ 8356.49 650.54 809.55 781.94 14373 981 1244 1408
5.2.2 Others $ 11772.04 981.59 995.17 1107.88 49041 3072 4680 5358
6 Paper-based Instruments 5587.83 481.93 454.32 419.39 7147568 596239 693190 596835
6.1 CTS (NPCI Managed) 5587.83 481.93 454.32 419.39 7147568 596239 693190 596835
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 218968.18 256455.78 265369.01 104878484 8196787 9437739 9246964
Total Payments (1+2+3+4+5+6) 2823036.19 219242.89 256771.34 265684.39 332251133 25210557 28686328 27865640
Total Digital Payments (1+2+3+4+5) 2817448.36 218760.96 256317.02 265265.00 325103565 24614318 27993139 27268805

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2025-26 2025 May 2026 2026 FY 2025-26 2025 May 2026 2026
April May April May
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 2226710.88 173238.86 206898.70 199200.35 45558548 3641732 4189507 3951119.89
1.1 Intra-bank $ 122837.81 9743.76 10611.15 10985.40 7917883 638768 711134 704115
1.2 Inter-bank $ 2103873.07 163495.10 196287.56 188214.95 37640666 3002964 3478373 3247005
2 Internet Payments (Netbanking / internet browser based) @ 44541.07 3668.66 3504.17 3095.94 158930351 11661241 13660002 11240573
2.1 Intra-bank @ 10212.76 851.54 853.50 629.92 83681438 6068349 7063192 5184996
2.2 Inter-bank @ 34328.30 2817.12 2650.67 2466.02 75248914 5592892 6596810 6055576
B. ATMs                
3. Cash Withdrawal at ATMs $ 53689.48 4604.61 4126.95 4176.39 2873737 246201 231125 231340
3.1 Using Credit Cards $ 81.07 6.70 6.40 6.42 4525 370 365 366
3.2 Using Debit Cards $ 53394.13 4579.88 4103.23 4152.55 2858626 244945 229849 230088
3.3 Using Pre-paid Cards $ 214.27 18.03 17.32 17.43 10586 886 911 885
4. Cash Withdrawal at PoS $ 1.69 0.15 0.11 0.11 22 2 2 2
4.1 Using Debit Cards $ 1.39 0.13 0.08 0.08 18 1 2 1
4.2 Using Pre-paid Cards $ 0.30 0.03 0.03 0.03 4 0 0 0
5. Cash Withdrawal at Micro ATMs @ 12126.36 1017.25 903.83 844.66 322744 27668 26214 23729
5.1 AePS @ 12126.36 1017.25 903.83 844.66 322744 27668 26214 23729

PART III - Payment Infrastructures (lakh)
  As on March 2026 2025 May 2026 2026
April May
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 11632.02 11114.19 11431.30 11483.62
1.1 Credit Cards 1186.34 1110.50 1194.59 1204.54
1.2 Debit Cards 10445.69 10003.70 10236.70 10279.08
2 Number of PPIs @ 22992.54 13518.33 23185.47 22221.66
2.1 Wallets @ 18253.41 8696.94 18390.92 17596.04
2.2 Cards @ 4739.13 4821.38 4794.55 4625.61
3 Number of ATMs and CRMs 2.54 2.57 2.54 2.54
3.1 Bank owned ATMs$ and CRMs# 2.16 2.21 2.16 2.17
3.2 White Label ATMs $ 0.38 0.36 0.38 0.37
4 Number of Micro ATMs @ 13.90 14.78 13.68 13.58
5 Number of PoS Terminals 117.69 115.81 114.47 115.25
6 Bharat QR @ 56.33 66.42 56.17 56.05
7 UPI QR * 7612.17 6697.30 7708.29 7797.65

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)
2026 2026 2026 2026
April May April May
1. Card Payments 134.82 158.98 9717 11576
1.1 Credit Cards 85.02 103.75 7595 9226
1.1.1 PoS based 31.15 43.12 2123 3063
1.1.2 Online 53.87 60.63 5471 6164
1.2 Debit Cards 49.80 55.24 2123 2350
1.2.1 PoS based 23.70 27.48 609 776
1.2.2 Online 26.10 27.76 1513 1574
2. Prepaid Payment Instruments 23.02 32.07 956 1411
2.1 PoS based 19.76 28.09 765 1174
2.2 Online 3.26 3.98 192 238
3. Cash Withdrawal at ATMs 4.84 5.28 1103 1242
3.1 Using Credit Cards 0.28 0.31 49 54
3.2 Using Debit Cards 3.37 3.55 628 631
3.3 Using PPIs 1.18 1.41 427 557
Total International Payments 162.68 196.33 11777 14230

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 99444.87 0.139 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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