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Payment System Indicators

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Payment System Indicators - March 2025
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2024-25 2024
March		 2025 2025 FY 2024-25 2024
March		 2025 2025
February March February March
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 47.40 3.48 3.72 4.36 296218030 21627756 25171733 27936158
1.1 Govt. Securities Clearing 17.87 1.14 1.16 1.33 185733719 13374679 14137926 15356048
1.1.1 Outright 10.56 0.60 0.63 0.76 16056018 981057 1088598 1297378
1.1.2 Repo 4.72 0.35 0.33 0.36 77286611 6226720 5916603 6589738
1.1.3 Tri-party Repo 2.58 0.19 0.20 0.21 92391091 6166902 7132725 7468932
1.2 Forex Clearing 28.06 2.27 2.45 2.94 100639565 7795104 9957432 11758724
1.3 Rupee Derivatives @ 1.46 0.07 0.12 0.09 9844746 457973 1076374 821387
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 3024.55 278.47 244.20 307.03 201387682 18128366 16099371 21401969
1.1 Customer Transactions 3010.32 277.25 243.05 305.71 181153129 16588625 14226027 19394683
1.2 Interbank Transactions 14.23 1.22 1.16 1.32 20234553 1539741 1873344 2007287
II Retail                
2 Credit Transfers - Retail 2061014.91 152969.08 177394.61 202008.61 79781976 7152557 6497660 8242601
2.1 AePS (Fund Transfers) @ 3.64 0.34 0.28 0.31 190 22 16 16
2.2 APBS $ 32964.43 3014.53 3103.12 3506.60 554034 44707 57097 66841
2.3 IMPS 56249.68 5806.36 4048.29 4616.39 7139110 634706 563082 667813
2.4 NACH Cr $ 16938.86 1808.71 1533.06 1861.26 1670223 173928 140881 176401
2.5 NEFT 96198.05 7939.10 7647.93 9008.97 44361464 4320840 3540103 4854308
2.6 UPI @ 1858660.25 134400.04 161061.93 183015.08 26056955 1978353 2196482 2477222
2.6.1 of which USSD @ 17.24 1.78 1.15 1.26 185 20 13 14
3 Debit Transfers and Direct Debits 21659.95 1661.00 1862.80 1891.35 2208583 165047 193068 211047
3.1 BHIM Aadhaar Pay @ 230.08 22.68 15.67 19.59 6907 584 494 611
3.2 NACH Dr $ 19762.28 1492.00 1701.10 1724.79 2199327 164223 192387 210246
3.3 NETC (linked to bank account) @ 1667.59 146.32 146.03 146.97 2349 240 186 191
4 Card Payments 63861.15 5034.13 5052.09 5789.52 2605110 209208 201522 240549
4.1 Credit Cards 47740.76 3439.38 3969.59 4586.50 2109197 164459 167208 201494
4.1.1 PoS based $ 24571.10 1800.04 1999.96 2302.66 795022 60378 62125 71473
4.1.2 Others $ 23169.66 1639.34 1969.63 2283.84 1314175 104081 105083 130021
4.2 Debit Cards 16120.39 1594.75 1082.50 1203.02 495914 44749 34314 39055
4.2.1 PoS based $ 11980.33 1163.77 803.42 895.82 332556 29309 23216 25818
4.2.2 Others $ 4140.06 430.98 279.07 307.20 163358 15440 11098 13237
5 Prepaid Payment Instruments 70254.08 5804.85 6398.44 6783.69 216751 18200 19236 21465
5.1 Wallets 52898.40 4489.88 4850.75 5061.17 154066 13741 14404 16077
5.2 Cards 17355.68 1314.97 1547.69 1722.52 62686 4459 4833 5388
5.2.1 PoS based $ 8240.14 699.02 641.84 648.24 11512 964 969 1016
5.2.2 Others  $ 9115.54 615.95 905.86 1074.28 51174 3495 3863 4372
6 Paper-based Instruments 6095.38 585.31 462.02 531.76 7113350 688745 540834 659873
6.1 CTS (NPCI Managed) 6095.38 585.31 462.02 531.76 7113350 688745 540834 659873
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) 2222885.46 166054.37 191169.95 217004.93 91925771 8233757 7452321 9375535
Total Payments (1+2+3+4+5+6) 2225910.01 166332.85 191414.16 217311.96 293313453 26362123 23551692 30777505
Total Digital Payments (1+2+3+4+5) 2219814.63 165747.54 190952.14 216780.20 286200103 25673378 23010857 30117631

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2024-25 2024
March		 2025 2025 FY 2024-25 2024
March		 2025 2025
February March February March
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 1756974.67 128625.58 150031.46 171171.98 39206151 3131961 3215517 3769602
1.1 Intra-bank $ 110801.96 8771.04 8703.42 9863.76 7207439 602816 558355 670272
1.2 Inter-bank $ 1646172.70 119854.54 141328.04 161308.22 31998712 2529145 2657162 3099330
2 Internet Payments (Netbanking / internet browser based) @ 47469.06 4250.54 3635.80 4087.21 131513970 10374045 10339284 13648178
2.1 Intra-bank @ 13055.94 1142.99 1003.69 1008.66 68879807 5235835 5354635 7112061
2.2 Inter-bank @ 34413.13 3107.55 2632.11 3078.55 62634163 5138210 4984649 6536117
B. ATMs                
3. Cash Withdrawal at ATMs $ 60308.11 5563.96 4497.97 4983.78 3063077 278271 235618 263892
3.1 Using Credit Cards $ 97.25 8.83 6.84 7.43 5084 446 370 410
3.2 Using Debit Cards $ 59965.70 5528.63 4473.77 4957.22 3046987 276714 234408 262540
3.3 Using Pre-paid Cards $ 245.16 26.50 17.36 19.13 11005 1111 840 942
4. Cash Withdrawal at PoS $ 3.58 0.53 0.22 0.22 37 5 2 2
4.1 Using Debit Cards $ 3.33 0.51 0.19 0.19 35 5 2 2
4.2 Using Pre-paid Cards $ 0.25 0.02 0.03 0.03 3 0 0 0
5. Cash Withdrawal at Micro ATMs @ 11640.55 1059.56 921.64 1102.31 296622 27303 23605 29561
5.1 AePS @ 11640.55 1059.56 921.64 1102.31 296622 27303 23605 29561

PART III - Payment Infrastructures (lakh)
  As on March 2025 2024
March		 2025 2025
February March
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 11006.97 10667.22 10949.92 11006.97
1.1 Credit Cards 1098.85 1018.03 1093.15 1098.85
1.2 Debit Cards 9908.12 9649.19 9856.77 9908.12
2 Number of PPIs @ 13396.53 16743.63 13614.38 13396.53
2.1 Wallets @ 8673.62 13381.80 9001.61 8673.62
2.2 Cards @ 4722.91 3361.82 4612.77 4722.91
3 Number of ATMs and CRMs 2.56 2.58 2.58 2.56
3.1 Bank owned ATMs$ and CRMs# 2.20 2.23 2.22 2.20
3.2 White Label ATMs $ 0.36 0.35 0.36 0.36
4 Number of Micro ATMs @ 14.82 17.55 14.68 14.82
5 Number of PoS Terminals 110.98 89.03 107.18 110.98
6 Bharat QR @ 67.18 62.50 65.48 67.18
7 UPI QR * 6579.30 3434.93 6496.91 6579.30

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)
2025 2025 2025 2025
February March February March
1. Card Payments 97.96 118.48 7404 9018
1.1 Credit Cards 61.31 75.69 5645 7056
1.1.1 PoS based 22.65 29.25 1681 2105
1.1.2 Online 38.66 46.44 3964 4951
1.2 Debit Cards 36.65 42.79 1759 1961
1.2.1 PoS based 16.99 19.98 615 684
1.2.2 Online 19.67 22.82 1144 1277
2. Prepaid Payment Instruments 23.71 27.65 935 1067
2.1 PoS based 20.12 23.60 733 847
2.2 Online 3.59 4.05 202 219
3. Cash Withdrawal at ATMs 5.08 5.64 1155 1286
3.1 Using Credit Cards 0.35 0.41 63 72
3.2 Using Debit Cards 3.28 3.59 568 644
3.3 Using PPIs 1.45 1.63 524 569
Total International Payments 126.75 151.77 9493 11370

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
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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