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43. Payment System Indicators
Date : Mar 19, 2025
PART I - Payment System Indicators - Payment & Settlement System Statistics
System Volume (Lakh) Value (₹ Crore)
FY 2023-24 2024 2025 FY 2023-24 2024 2025
Jan. Dec. Jan. Jan. Dec. Jan.
1 2 3 4 5 6 7 8
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems (1.1 to 1.3) 43.04 3.74 3.78 4.88 259206893 21705635 27448820 30296790
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 16.80 1.42 1.49 1.77 170464587 14658627 16506680 17807347
1.1.1 Outright 9.51 0.79 0.84 1.10 13463848 1100547 1348782 1627265
1.1.2 Repo 4.94 0.43 0.41 0.41 76718788 6039056 6377679 7288494
1.1.3 Tri-party Repo 2.35 0.21 0.24 0.25 80281951 7519024 8780219 8891588
1.2 Forex Clearing 24.92 2.21 2.16 2.94 80984671 6439543 9919285 11164125
1.3 Rupee Derivatives @ 1.31 0.11 0.13 0.17 7757636 607465 1022855 1325318
B. Payment Systems                
I Financial Market Infrastructures (FMIs) - - - - - - - -
1 Credit Transfers - RTGS (1.1 to 1.2) 2700.16 230.99 262.29 268.15 170886670 14691625 19163587 17499363
1.1 Customer Transactions 2686.04 229.79 261.11 266.89 152406168 13127720 17161423 15571748
1.2 Interbank Transactions 14.12 1.20 1.17 1.26 18480503 1563905 2002163 1927615
II Retail                
2 Credit Transfers - Retail (2.1 to 2.6) 1486106.89 137068.03 183786.41 186538.41 67542859 5945126 6935632 7000487
2.1 AePS (Fund Transfers) @ 3.92 0.36 0.31 0.31 261 24 17 18
2.2 APBS $ 25888.17 2118.74 2451.41 2263.21 390743 42872 58705 52280
2.3 IMPS 60053.35 5087.92 4411.64 4442.23 6495652 566310 601549 606420
2.4 NACH Cr $ 16227.27 948.05 1315.94 1304.72 1525104 127514 135695 145699
2.5 NEFT 72639.50 6882.78 8307.02 8567.93 39136014 3367322 3814966 3848033
2.6 UPI @ 1311294.68 122030.18 167300.09 169960.01 19995086 1841084 2324700 2348037
2.6.1 of which USSD @ 26.19 1.90 1.56 1.38 352 21 16 16
3 Debit Transfers and Direct Debits (3.1 to 3.3) 18249.53 1571.50 1905.47 1878.45 1687658 154405 198303 199535
3.1 BHIM Aadhaar Pay @ 193.59 18.82 17.18 15.79 6112 619 547 486
3.2 NACH Dr $ 16426.49 1440.08 1738.32 1715.83 1678769 153564 197549 198857
3.3 NETC (linked to bank account) @ 1629.45 112.60 149.97 146.83 2777 222 207 193
4 Card Payments (4.1 to 4.2) 58469.79 4934.19 5608.59 5522.42 2423563 211931 228548 223090
4.1 Credit Cards (4.1.1 to 4.1.2) 35610.15 3289.52 4328.50 4305.72 1831134 166444 187949 184126
4.1.1 PoS based $ 18614.08 1725.59 2240.03 2177.43 651911 58532 73048 69429
4.1.2 Others $ 16996.08 1563.93 2088.46 2128.29 1179223 107912 114901 114697
4.2 Debit Cards (4.2.1 to 4.2.1 ) 22859.64 1644.68 1280.10 1216.69 592429 45487 40599 38963
4.2.1 PoS based $ 16477.95 1193.18 964.50 910.91 393589 30383 27609 25999
4.2.2 Others $ 6381.69 451.50 315.60 305.78 198840 15103 12990 12965
5 Prepaid Payment Instruments (5.1 to 5.2) 78775.40 7087.25 6377.99 6547.10 283048 25784 18992 19496
5.1 Wallets 63256.69 5766.67 4830.75 4875.14 234353 21259 14437 14700
5.2 Cards (5.2.1 to 5.2.2) 15518.71 1320.58 1547.24 1671.97 48695 4525 4556 4796
5.2.1 PoS based $ 8429.87 690.67 684.93 701.18 11247 927 991 1000
5.2.2 Others $ 7088.84 629.91 862.31 970.79 37447 3598 3565 3796
6 Paper-based Instruments (6.1 to 6.2) 6632.10 547.17 506.56 516.61 7212333 583653 587879 606756
6.1 CTS (NPCI Managed) 6632.10 547.17 506.56 516.61 7212333 583653 587879 606756
6.2 Others 0.00 – – – – – – –
Total - Retail Payments (2+3+4+5+6) 1648233.71 151208.15 198185.02 201003.00 79149461 6920899 7969354 8049363
Total Payments (1+2+3+4+5+6) 1650933.88 151439.14 198447.31 201271.14 250036131 21612523 27132941 25548726
Total Digital Payments (1+2+3+4+5) 1644301.78 150891.97 197940.75 200754.53 242823799 21028871 26545062 24941970

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2023-24 2024 2025 FY 2023-24 2024 2025
Jan. Dec. Jan. Jan. Dec. Jan.
1 2 3 4 5 6 7 8
A. Other Payment Channels                
1 Mobile Payments (mobile app based) (1.1 to 1.2) 1252599.21 117854.93 156762.66 158779.34 30687088 2815296 3455800 3451690
1.1 Intra-bank $ 83000.56 7654.37 9183.14 9234.68 5676805 524854 618347 607529
1.2 Inter-bank $ 1169598.65 110200.56 147579.52 149544.66 25010283 2290441 2837453 2844161
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 45034.98 3837.71 4072.71 4167.05 102117736 9123990 12203095 11639721
2.1 Intra-bank @ 12033.28 1028.04 1155.00 1212.87 53247042 4767036 6414756 6130804
2.2 Inter-bank @ 33001.71 2809.67 2917.71 2954.18 48870694 4356954 5788339 5508917
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 66440.72 5306.01 4950.77 4910.07 3259388 260746 252471 251938
3.1 Using Credit Cards $ 95.80 8.26 8.12 7.79 4648 404 429 412
3.2 Using Debit Cards $ 66001.01 5272.19 4923.54 4883.53 3241538 259326 251161 250646
3.3 Using Pre-paid Cards $ 343.90 25.56 19.11 18.75 13202 1016 881 879
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 15.18 0.65 0.29 0.27 148 6 3 3
4.1 Using Debit Cards $ 15.06 0.64 0.26 0.24 147 6 3 3
4.2 Using Pre-paid Cards $ 0.12 0.02 0.03 0.03 1 0 0 0
5 Cash Withrawal at Micro ATMs @ 11754.95 839.66 910.87 915.09 314003 22351 23195 23246
5.1 AePS @ 11754.95 839.66 910.87 915.09 314003 22351 23195 23246

PART III - Payment Infrastructures (Lakh)
System As on March 2024 2024 2025
Jan. Dec. Jan.
1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 10667.22 10570.66 10990.04 10909.12
1.1 Credit Cards 1018.03 995.00 1080.56 1088.73
1.2 Debit Cards 9649.19 9575.66 9909.48 9820.39
2 Number of PPIs @ (2.1 to 2.2) 16743.63 17676.26 13269.07 13463.21
2.1 Wallets @ 13381.80 14396.94 8904.25 8954.73
2.2 Cards @ 3361.82 3279.33 4364.82 4508.48
3 Number of ATMs (3.1 to 3.2) 2.58 2.58 2.55 2.57
3.1 Bank owned ATMs $ 2.23 2.24 2.19 2.21
3.2 White Label ATMs $ 0.35 0.34 0.36 0.36
4 Number of Micro ATMs @ 17.55 17.60 14.67 14.64
5 Number of PoS Terminals 89.03 85.93 100.01 103.53
6 Bharat QR @ 62.50 60.04 63.83 64.43
7 UPI QR * 3434.93 3213.79 6334.39 6400.67
@: New inclusion w.e.f. November 2019
#: Data reported by Co-operative Banks, LABs and RRBs included with effect from December 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.
Part I-A. Settlement systems
1.1.3: Tri- party Repo under the securities segment has been operationalised from November 05, 2018.
Part I-B. Payments systems
4.1.2: ‘Others’ includes e-commerce transactions and digital bill payments through ATMs, etc.
4.2.2: ‘Others’ includes e-commerce transactions, card to card transfers and digital bill payments through ATMs, etc.
5. Available from December 2010.
5.1: includes purchase of goods and services and fund transfer through wallets.
5.2.2: includes usage of PPI Cards for online transactions and other transactions.
6.1: Pertain to three grids – Mumbai, New Delhi and Chennai.
6.2: ‘Others’ comprises of Non-MICR transactions which pertains to clearing houses managed by 21 banks.
Part II-A. Other payment channels
1: Mobile Payments –
o Include transactions done through mobile apps of banks and UPI apps.
o The data from July 2017 includes only individual payments and corporate payments initiated, processed, and authorised using mobile device. Other corporate payments which are not initiated, processed, and authorised using mobile device are excluded.
2: Internet Payments – includes only e-commerce transactions through ‘netbanking’ and any financial transaction using internet banking website of the bank.
Part II-B. ATMs
3.3 and 4.2: only relates to transactions using bank issued PPIs.
Part III. Payment systems infrastructure
3: Includes ATMs deployed by Scheduled Commercial Banks (SCBs) and White Label ATM Operators (WLAOs). WLAs are included from April 2014 onwards.

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