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Payment System Indicators

Document - Payment System Indicators - July 2026 () or PDF - Payment System Indicators - July 2026 ()
Payment System Indicators - July 2026
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2025-26 2025 July 2026 2026 FY 2025-26 2025 July 2026 2026
June July June July
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 56.84 5.21 5.60 5.84 367014602 32781616 35295220 36265477
1.1 Govt. Securities Clearing 20.08 1.63 2.03 2.23 214487317 19293299 19743616 20968267
1.1.1 Outright 11.76 0.84 1.31 1.44 17320069 1274228 1726964 1759884
1.1.2 Repo 5.62 0.55 0.46 0.50 93385356 8664018 7575558 8251953
1.1.3 Tri-party Repo 2.70 0.24 0.26 0.28 103781892 9355053 10441094 10956430
1.2 Forex Clearing 35.44 3.48 3.39 3.35 141483010 12739681 14283593 14024461
1.3 Rupee Derivatives @ 1.32 0.10 0.18 0.26 11044275 748636 1268011 1272748
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 3499.79 277.67 319.29 333.10 227372648 18863902 22984140 22307107
1.1 Customer Transactions 3485.43 276.46 318.14 331.95 206929117 16624624 21210783 20378017
1.2 Interbank Transactions 14.36 1.21 1.15 1.16 20443531 2239279 1773357 1929090
II Retail                
2 Credit Transfers - Retail 2618738.01 212335.07 243626.31 253061.29 91939186 7319321 8255460 8592159
2.1 AePS (Fund Transfers) @ 3.28 0.31 0.23 0.22 170 16 13 12
2.2 APBS $ 33854.21 2705.04 3151.62 2667.40 717040 42355 62653 54236
2.3 IMPS 49431.09 4821.90 3539.18 3643.39 7669929 631411 676543 711704
2.4 NACH Cr $ 18284.42 1628.20 1192.32 1196.70 1902293 143081 170436 177251
2.5 NEFT 100996.15 8500.14 8582.30 8970.05 50226505 3993960 4453677 4661076
2.6 UPI @ 2416168.86 194679.48 227160.66 236583.53 31423250 2508498 2892139 2987880
2.6.1 of which USSD @ 14.31 1.59 1.28 1.36 188 31 13 13
3 Debit Transfers and Direct Debits 23471.34 1912.72 2094.13 2100.53 2697355 217899 260337 262336
3.1 BHIM Aadhaar Pay @ 231.96 19.95 32.30 24.42 7739 619 1079 778
3.2 NACH Dr $ 21614.19 1753.66 1912.95 1933.17 2687459 217102 259076 261381
3.3 NETC (linked to bank account) @ 1625.19 139.11 148.88 142.94 2157 179 182 177
4 Card Payments 73039.76 5982.42 6783.52 7068.23 2807946 231987 236660 246118
4.1 Credit Cards 60237.64 4861.81 5812.59 6052.67 2362471 193849 201362 208186
4.1.1 PoS based $ 30153.21 2432.75 2855.64 2937.34 885019 70380 74262 75740
4.1.2 Others $ 30084.43 2429.06 2956.95 3115.33 1477452 123469 127100 132445
4.2 Debit Cards 12802.12 1120.61 970.93 1015.56 445475 38138 35299 37932
4.2.1 PoS based $ 9601.85 832.19 712.56 741.21 293537 23921 21692 22176
4.2.2 Others $ 3200.27 288.42 258.37 274.35 151938 14216 13607 15757
5 Prepaid Payment Instruments 98699.47 7124.06 8887.79 9253.65 286429 20758 27495 28607
5.1 Wallets 78570.94 5431.45 6984.10 7147.86 223016 16915 20970 21889
5.2 Cards 20128.53 1692.61 1903.69 2105.78 63414 3842 6525 6718
5.2.1 PoS based $ 8356.49 660.66 794.48 839.65 14373 908 1343 1247
5.2.2 Others $ 11772.04 1031.95 1109.21 1266.14 49041 2935 5182 5472
6 Paper-based Instruments 5587.83 494.59 425.55 446.78 7147568 607504 607843 643873
6.1 CTS (NPCI Managed) 5587.83 494.59 425.55 446.78 7147568 607504 607843 643873
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 227848.86 261817.30 271930.47 104878484 8397469 9387796 9773093
Total Payments (1+2+3+4+5+6) 2823036.19 228126.54 262136.59 272263.58 332251133 27261371 32371936 32080199
Total Digital Payments (1+2+3+4+5) 2817448.36 227631.95 261711.04 271816.80 325103565 26653867 31764092 31436327

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2025-26 2025 July 2026 2026 FY 2025-26 2025 July 2026 2026
June July June July
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 2226710.88 180367.99 195230.02 204165.35 45558548 3658441 3913727 4068518.60
1.1 Intra-bank $ 122837.81 10205.69 10719.64 11190.58 7917883 634811 723073 752049
1.2 Inter-bank $ 2103873.07 170162.30 184510.38 192974.77 37640666 3023629 3190654 3316469
2 Internet Payments (Netbanking / internet browser based) @ 44541.07 3987.57 3182.59 3479.52 158930351 12803198 13165541 13107417
2.1 Intra-bank @ 10212.76 935.66 651.68 703.39 83681438 6734105 6035123 5969791
2.2 Inter-bank @ 34328.30 3051.90 2530.91 2776.13 75248914 6069093 7130418 7137626
B. ATMs                
3. Cash Withdrawal at ATMs $ 53689.48 4472.41 4007.78 4076.24 2873737 232955 217595 220592
3.1 Using Credit Cards $ 81.07 6.63 6.30 6.53 4525 362 357 372
3.2 Using Debit Cards $ 53394.13 4447.66 3984.29 4052.01 2858626 231722 216359 219308
3.3 Using Pre-paid Cards $ 214.27 18.13 17.19 17.70 10586 871 880 912
4. Cash Withdrawal at PoS $ 1.69 0.13 0.10 0.10 22 1 2 2
4.1 Using Debit Cards $ 1.39 0.11 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 0
5. Cash Withdrawal at Micro ATMs @ 12126.36 996.95 928.19 965.01 322744 25574 24411 26170
5.1 AePS @ 12126.36 996.95 928.19 965.01 322744 25574 24411 26170

PART III - Payment Infrastructures (lakh)
  As on March 2026 2025 July 2026 2026
June July
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 11632.02 11245.35 11534.57 11561.69
1.1 Credit Cards 1186.34 1118.08 1215.91 1228.58
1.2 Debit Cards 10445.69 10127.27 10318.66 10333.11
2 Number of PPIs @ 22992.54 13746.53 22460.84 22885.19
2.1 Wallets @ 18253.41 8870.16 17803.44 18103.14
2.2 Cards @ 4739.13 4876.37 4657.40 4782.05
3 Number of ATMs and CRMs 2.54 2.49 2.52 2.53
3.1 Bank owned ATMs$ and CRMs# 2.16 2.13 2.16 2.17
3.2 White Label ATMs $ 0.38 0.36 0.36 0.36
4 Number of Micro ATMs @ 13.90 14.67 13.37 13.28
5 Number of PoS Terminals 117.69 119.13 99.22 100.28
6 Bharat QR @ 56.33 66.41 52.66 52.69
7 UPI QR * 7612.17 6880.31 7925.74 8030.48

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
June July June July
1. Card Payments 163.25 147.63 11824 10926
1.1 Credit Cards 108.21 97.52 9451 8543
1.1.1 PoS based 46.13 37.69 3470 2775
1.1.2 Online 62.08 59.83 5980 5768
1.2 Debit Cards 55.04 50.11 2373 2383
1.2.1 PoS based 26.70 22.14 838 738
1.2.2 Online 28.34 27.96 1535 1645
2. Prepaid Payment Instruments 34.67 29.67 1572 1285
2.1 PoS based 30.52 25.65 1337 1063
2.2 Online 4.16 4.02 235 222
3. Cash Withdrawal at ATMs 5.08 4.37 1245 1096
3.1 Using Credit Cards 0.33 0.30 58 58
3.2 Using Debit Cards 3.33 2.78 625 563
3.3 Using PPIs 1.42 1.29 563 476
Total International Payments 203.00 181.67 14641 13307

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
@: 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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