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Payment System Indicators

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Payment System Indicators - April 2025
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2024-25 2024 April 2025 2025 FY 2024-25 2024 April 2025 2025
March April March April
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 47.40 3.53 4.36 5.07 296218030 22115118 27936158 29399814
1.1 Govt. Securities Clearing 17.87 1.25 1.33 1.89 185733719 14132535 15356048 16657576
1.1.1 Outright 10.56 0.68 0.76 1.30 16056018 1023439 1297378 2017823
1.1.2 Repo 4.72 0.38 0.36 0.38 77286611 6510577 6589738 7078422
1.1.3 Tri-party Repo 2.58 0.19 0.21 0.20 92391091 6598519 7468932 7561331
1.2 Forex Clearing 28.06 2.17 2.94 3.07 100639565 7343662 11758724 11992139
1.3 Rupee Derivatives @ 1.46 0.11 0.09 0.11 9844746 638922 821387 750099
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 3024.55 235.59 307.03 262.41 201387682 14433296 21401969 16895789
1.1 Customer Transactions 3010.32 234.46 305.71 261.16 181153129 12800746 19394683 15060026
1.2 Interbank Transactions 14.23 1.12 1.32 1.24 20234553 1632550 2007287 1835763
II Retail                
2 Credit Transfers - Retail 2061014.91 149083.29 202008.61 194925.94 79781976 5845989 8242601 7126205
2.1 AePS (Fund Transfers) @ 3.64 0.29 0.31 0.30 190 19 16 16
2.2 APBS $ 32964.43 2535.32 3506.60 2610.51 554034 36959 66841 57566
2.3 IMPS 56249.68 5503.65 4616.39 4492.53 7139110 592279 667813 621666
2.4 NACH Cr $ 16938.86 964.06 1861.26 1200.84 1670223 121718 176401 154683
2.5 NEFT 96198.05 7040.03 9008.97 7687.52 44361464 3130549 4854308 3897348
2.6 UPI @ 1858660.25 133039.94 183015.08 178934.24 26056955 1964465 2477222 2394926
2.6.1 of which USSD @ 17.24 1.52 1.26 1.22 185 18 14 13
3 Debit Transfers and Direct Debits 21659.95 1644.10 1891.35 1869.90 2208583 159006 211047 198565
3.1 BHIM Aadhaar Pay @ 230.08 20.50 19.59 17.39 6907 563 611 601
3.2 NACH Dr $ 19762.28 1494.37 1724.79 1709.27 2199327 158223 210246 197780
3.3 NETC (linked to bank account) @ 1667.59 129.23 146.97 143.24 2349 220 191 184
4 Card Payments 63861.15 4960.12 5789.52 5673.64 2605110 200409 240549 222351
4.1 Credit Cards 47740.76 3441.51 4586.50 4502.70 2109197 156498 201494 184237
4.1.1 PoS based $ 24571.10 1843.36 2302.66 2281.41 795022 61982 71473 67899
4.1.2 Others $ 23169.66 1598.15 2283.84 2221.29 1314175 94516 130021 116338
4.2 Debit Cards 16120.39 1518.61 1203.02 1170.93 495914 43911 39055 38113
4.2.1 PoS based $ 11980.33 1126.31 895.82 875.30 332556 30022 25818 26187
4.2.2 Others $ 4140.06 392.30 307.20 295.63 163358 13889 13237 11926
5 Prepaid Payment Instruments 70254.08 5288.79 6783.69 6768.43 216751 14964 21465 21254
5.1 Wallets 52898.40 3993.29 5061.17 5157.38 154066 10507 16077 15896
5.2 Cards 17355.68 1295.49 1722.52 1611.04 62686 4457 5388 5358
5.2.1 PoS based $ 8240.14 695.13 648.24 649.25 11512 962 1016 1093
5.2.2 Others $ 9115.54 600.37 1074.28 961.79 51174 3495 4372 4265
6 Paper-based Instruments 6095.38 525.73 531.76 494.77 7113350 667829 659873 645079
6.1 CTS (NPCI Managed) 6095.38 525.73 531.76 494.77 7113350 667829 659873 645079
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 161502.02 217004.93 209732.67 91925771 6888198 9375535 8213454
Total Payments (1+2+3+4+5+6) 2225910.01 161737.61 217311.96 209995.08 293313453 21321494 30777505 25109243
Total Digital Payments (1+2+3+4+5) 2219814.63 161211.88 216780.20 209500.31 286200103 20653665 30117631 24464164

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2024-25 2024 April 2025 2025 FY 2024-25 2024 April 2025 2025
March April March April
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 1756976.91 127302.31 171174.23 165744.58 39206221 2962262 3769671 3498574
1.1 Intra-bank $ 110801.96 8373.78 9863.76 9301.40 7207439 552044 670272 617100
1.2 Inter-bank $ 1646174.95 118928.53 161310.47 156443.19 31998782 2410218 3099400 2881474
2 Internet Payments (Netbanking / internet browser based) @ 47478.09 3796.75 4096.24 3642.69 131858133 9637480 13992340 11585683
2.1 Intra-bank @ 13056.37 966.25 1009.09 837.78 69086996 5089149 7319249 6047105
2.2 Inter-bank @ 34421.72 2830.50 3087.15 2804.91 62771136 4548332 6673091 5538579
B. ATMs                
3. Cash Withdrawal at ATMs $ 60308.11 5240.40 4983.78 4602.65 3063077 265905 263892 244747
3.1 Using Credit Cards $ 97.25 9.07 7.43 6.86 5084 458 410 373
3.2 Using Debit Cards $ 59965.70 5207.60 4957.22 4578.06 3046987 264457 262540 243494
3.3 Using Pre-paid Cards $ 245.16 23.73 19.13 17.73 11005 990 942 881
4. Cash Withdrawal at PoS $ 3.58 0.52 0.22 0.17 37 5 2 2
4.1 Using Debit Cards $ 3.33 0.50 0.19 0.15 35 5 2 1
4.2 Using Pre-paid Cards $ 0.25 0.02 0.03 0.02 3 0 0 0
5. Cash Withdrawal at Micro ATMs @ 11640.55 919.05 1102.31 928.36 296622 24502 29561 25662
5.1 AePS @ 11640.55 919.05 1102.31 928.36 296622 24502 29561 25662

PART III - Payment Infrastructures (lakh)
  As on March 2025 2024 April 2025 2025
March April
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 11006.97 10534.85 11006.97 11064.20
1.1 Credit Cards 1098.85 1025.40 1098.85 1104.36
1.2 Debit Cards 9908.12 9509.45 9908.12 9959.84
2 Number of PPIs @ 13396.53 14716.82 13396.53 13444.93
2.1 Wallets @ 8673.62 11294.83 8673.62 8719.54
2.2 Cards @ 4722.91 3421.99 4722.91 4725.39
3 Number of ATMs and CRMs 2.56 2.57 2.56 2.55
3.1 Bank owned ATMs$ and CRMs# 2.20 2.23 2.20 2.19
3.2 White Label ATMs $ 0.36 0.35 0.36 0.36
4 Number of Micro ATMs @ 14.82 17.44 14.82 14.74
5 Number of PoS Terminals 110.98 88.39 110.98 112.91
6 Bharat QR @ 67.18 60.73 67.18 66.84
7 UPI QR * 6579.30 5597.20 6579.30 6624.75

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
March April March April
1. Card Payments 118.48 122.62 9018 9238
1.1 Credit Cards 75.69 78.09 7056 7161
1.1.1 PoS based 29.25 30.88 2105 2129
1.1.2 Online 46.44 47.21 4951 5032
1.2 Debit Cards 42.79 44.53 1961 2076
1.2.1 PoS based 19.98 21.88 684 717
1.2.2 Online 22.82 22.65 1277 1360
2. Prepaid Payment Instruments 27.65 29.82 1067 1169
2.1 PoS based 23.60 25.68 847 934
2.2 Online 4.05 4.14 219 236
3. Cash Withdrawal at ATMs 5.64 5.82 1286 1286
3.1 Using Credit Cards 0.41 0.42 72 71
3.2 Using Debit Cards 3.59 3.77 644 671
3.3 Using PPIs 1.63 1.63 569 545
Total International Payments 151.77 158.26 11370 11693

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
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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