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Payment System Indicators

Document - Payment System Indicators - June 2026 () or PDF - Payment System Indicators - June 2026 ()
Payment System Indicators - June 2026
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2025-26 2025 June 2026 2026 FY 2025-26 2025 June 2026 2026
May June May June
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 56.84 5.30 4.87 5.60 367014602 30959727 32125386 35295220
1.1 Govt. Securities Clearing 20.08 1.77 1.71 2.03 214487317 17946468 18071700 19743616
1.1.1 Outright 11.76 1.05 1.03 1.31 17320069 1611829 1254908 1726964
1.1.2 Repo 5.62 0.51 0.43 0.46 93385356 7894091 6790220 7575558
1.1.3 Tri-party Repo 2.70 0.21 0.25 0.26 103781892 8440549 10026571 10441094
1.2 Forex Clearing 35.44 3.39 2.96 3.39 141483010 11968143 12462096 14283593
1.3 Rupee Derivatives @ 1.32 0.14 0.21 0.18 11044275 1045117 1591591 1268011
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 3499.79 254.88 315.38 319.29 227372648 19012360 18618676 22984140
1.1 Customer Transactions 3485.43 253.73 314.27 318.14 206929117 16983278 17246274 21210783
1.2 Interbank Transactions 14.36 1.15 1.11 1.15 20443531 2029082 1372402 1773357
II Retail                
2 Credit Transfers - Retail 2618738.01 200519.84 246885.68 243626.31 91939186 6957478 8135516 8255460
2.1 AePS (Fund Transfers) @ 3.28 0.30 0.24 0.23 170 16 14 13
2.2 APBS $ 33854.21 2841.94 2048.40 3151.62 717040 48247 62137 62653
2.3 IMPS 49431.09 4481.05 3580.97 3539.18 7669929 606356 695701 676543
2.4 NACH Cr $ 18284.42 1325.97 740.50 1192.32 1902293 134188 154628 170436
2.5 NEFT 100996.15 7920.52 8496.29 8582.30 50226505 3764742 4232611 4453677
2.6 UPI @ 2416168.86 183950.06 232019.28 227160.66 31423250 2403931 2990424 2892139
2.6.1 of which USSD @ 14.31 1.18 1.28 1.28 188 21 13 13
3 Debit Transfers and Direct Debits 23471.34 1891.36 2087.74 2094.13 2697355 210754 247007 260337
3.1 BHIM Aadhaar Pay @ 231.96 18.27 27.29 32.30 7739 615 968 1079
3.2 NACH Dr $ 21614.19 1728.39 1897.25 1912.95 2687459 209956 245849 259076
3.3 NETC (linked to bank account) @ 1625.19 144.70 163.20 148.88 2157 183 190 182
4 Card Payments 73039.76 5672.82 6953.63 6783.52 2807946 218552 238163 236660
4.1 Credit Cards 60237.64 4587.10 5955.02 5812.59 2362471 183088 202742 201362
4.1.1 PoS based $ 30153.21 2338.70 2903.64 2855.64 885019 67468 76095 74262
4.1.2 Others $ 30084.43 2248.41 3051.38 2956.95 1477452 115620 126647 127100
4.2 Debit Cards 12802.12 1085.72 998.62 970.93 445475 35463 35420 35299
4.2.1 PoS based $ 9601.85 812.90 737.79 712.56 293537 23079 22187 21692
4.2.2 Others $ 3200.27 272.82 260.83 258.37 151938 12384 13233 13607
5 Prepaid Payment Instruments 98699.47 6868.39 9022.57 8882.56 286429 20740 29443 27495
5.1 Wallets 78570.94 5338.82 7132.74 6978.87 223016 17308 22677 20970
5.2 Cards 20128.53 1529.57 1889.82 1903.69 63414 3432 6766 6525
5.2.1 PoS based $ 8356.49 595.05 781.94 794.48 14373 888 1408 1343
5.2.2 Others $ 11772.04 934.51 1107.88 1109.21 49041 2544 5358 5182
6 Paper-based Instruments 5587.83 447.43 419.39 425.55 7147568 550176 596835 607843
6.1 CTS (NPCI Managed) 5587.83 447.43 419.39 425.55 7147568 550176 596835 607843
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 215399.84 265369.01 261812.07 104878484 7957700 9246964 9387796
Total Payments (1+2+3+4+5+6) 2823036.19 215654.72 265684.39 262131.36 332251133 26970060 27865640 32371936
Total Digital Payments (1+2+3+4+5) 2817448.36 215207.29 265265.00 261705.81 325103565 26419884 27268805 31764092

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2025-26 2025 June 2026 2026 FY 2025-26 2025 June 2026 2026
May June May June
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 2226710.88 170640.06 199200.46 195229.65 45558548 3467471 3950902 3913800.83
1.1 Intra-bank $ 122837.81 9560.56 10985.43 10719.58 7917883 611425 704120 723171
1.2 Inter-bank $ 2103873.07 161079.50 188215.03 184510.07 37640666 2856046 3246782 3190630
2 Internet Payments (Netbanking / internet browser based) @ 44541.07 3635.82 3095.94 3182.59 158930351 12824960 11236640 13165772
2.1 Intra-bank @ 10212.76 839.90 629.92 651.68 83681438 6918867 5181064 6035123
2.2 Inter-bank @ 34328.30 2795.92 2466.02 2530.91 75248914 5906093 6055576 7130649
B. ATMs                
3. Cash Withdrawal at ATMs $ 53689.48 4382.08 4176.39 4007.78 2873737 229907 231340 217595
3.1 Using Credit Cards $ 81.07 6.28 6.42 6.30 4525 345 366 357
3.2 Using Debit Cards $ 53394.13 4358.58 4152.55 3984.29 2858626 228735 230088 216359
3.3 Using Pre-paid Cards $ 214.27 17.22 17.43 17.19 10586 827 885 880
4. Cash Withdrawal at PoS $ 1.69 0.14 0.11 0.10 22 1 2 2
4.1 Using Debit Cards $ 1.39 0.11 0.08 0.07 18 1 1 1
4.2 Using Pre-paid Cards $ 0.30 0.02 0.03 0.03 4 0 0 0
5. Cash Withdrawal at Micro ATMs @ 12126.36 944.62 844.66 928.19 322744 25646 23729 24411
5.1 AePS @ 12126.36 944.62 844.66 928.19 322744 25646 23729 24411

PART III - Payment Infrastructures (lakh)
  As on March 2026 2025 June 2026 2026
May June
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 11632.02 11161.50 11483.62 11534.57
1.1 Credit Cards 1186.34 1109.69 1204.54 1215.91
1.2 Debit Cards 10445.69 10051.80 10279.08 10318.66
2 Number of PPIs @ 22992.54 13520.65 22221.66 22460.84
2.1 Wallets @ 18253.41 8681.92 17596.04 17803.44
2.2 Cards @ 4739.13 4838.73 4625.61 4657.40
3 Number of ATMs and CRMs 2.54 2.51 2.54 2.52
3.1 Bank owned ATMs$ and CRMs# 2.16 2.15 2.17 2.16
3.2 White Label ATMs $ 0.38 0.36 0.37 0.36
4 Number of Micro ATMs @ 13.90 14.59 13.58 13.37
5 Number of PoS Terminals 117.69 117.83 115.25 99.22
6 Bharat QR @ 56.33 66.99 56.05 52.66
7 UPI QR * 7612.17 6781.61 7797.65 7925.74

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
May June May June
1. Card Payments 158.98 163.25 11576 11824
1.1 Credit Cards 103.75 108.21 9226 9451
1.1.1 PoS based 43.12 46.13 3063 3470
1.1.2 Online 60.63 62.08 6164 5980
1.2 Debit Cards 55.24 55.04 2350 2373
1.2.1 PoS based 27.48 26.70 776 838
1.2.2 Online 27.76 28.34 1574 1535
2. Prepaid Payment Instruments 32.07 34.67 1411 1572
2.1 PoS based 28.09 30.52 1174 1337
2.2 Online 3.98 4.16 238 235
3. Cash Withdrawal at ATMs 5.28 5.08 1242 1245
3.1 Using Credit Cards 0.31 0.33 54 58
3.2 Using Debit Cards 3.55 3.33 631 625
3.3 Using PPIs 1.41 1.42 557 563
Total International Payments 196.33 203.00 14230 14641

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 75718.06 0.150 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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