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Payment System Indicators

Document - Payment System Indicators - January 2026 () or PDF - Payment System Indicators - January 2026 ()
Payment System Indicators - January 2026
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2024-25 2025
January		 2025 2026 FY 2024-25 2025 January 2025 2026
December January December January
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 47.40 4.88 5.07 4.35 296218030 30296790 34813891 32155354
1.1 Govt. Securities Clearing 17.87 1.77 1.71 1.61 185733719 17807347 20459216 18709470
1.1.1 Outright 10.56 1.10 0.94 0.90 16056018 1627265 1358772 1235356
1.1.2 Repo 4.72 0.41 0.51 0.46 77286611 7288494 9176297 7775968
1.1.3 Tri-party Repo 2.58 0.25 0.26 0.25 92391091 8891588 9924147 9698147
1.2 Forex Clearing 28.06 2.94 3.27 2.64 100639565 11164125 13484010 12450917
1.3 Rupee Derivatives @ 1.46 0.17 0.10 0.10 9844746 1325318 870666 994967
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 3024.55 268.15 317.67 316.99 201387682 17499363 21969481 19176704
1.1 Customer Transactions 3010.32 266.89 316.41 315.76 181153129 15571748 19992108 17580604
1.2 Interbank Transactions 14.23 1.26 1.26 1.23 20234553 1927615 1977373 1596100
II Retail                
2 Credit Transfers - Retail 2061014.91 186538.41 232522.27 233364.66 79881976 7000487 8086110 8078680
2.1 AePS (Fund Transfers) @ 3.64 0.31 0.21 0.24 190 18 12 14
2.2 APBS $ 32964.43 2263.21 2357.78 2616.49 554034 52280 81224 81195
2.3 IMPS 56249.68 4442.23 3799.33 3740.33 7139110 606420 662452 672989
2.4 NACH Cr $ 16938.86 1304.72 1240.69 1248.95 1670223 145699 168800 161580
2.5 NEFT 96198.05 8567.93 8777.58 8724.20 44461464 3848033 4376909 4329421
2.6 UPI @ 1858660.25 169960.01 216346.68 217034.45 26056955 2348037 2796713 2833481
2.6.1 of which USSD @ 17.24 1.38 0.52 1.14 185 16 5 12
3 Debit Transfers and Direct Debits 21659.95 1878.45 2012.39 2016.80 2208583 199535 242667 240345
3.1 BHIM Aadhaar Pay @ 230.08 15.79 17.39 17.87 6907 486 600 648
3.2 NACH Dr $ 19762.28 1715.83 1858.15 1865.64 2199327 198857 241878 239514
3.3 NETC (linked to bank account) @ 1667.59 146.83 136.85 133.29 2349 193 189 184
4 Card Payments 63861.15 5522.42 6447.58 6415.41 2605110 223090 241961 237042
4.1 Credit Cards 47740.76 4305.72 5398.34 5397.11 2109197 184126 204687 199085
4.1.1 PoS based $ 24571.10 2177.43 2726.32 2674.95 795022 69429 78476 75988
4.1.2 Others $ 23169.66 2128.29 2672.02 2722.16 1314175 114697 126210 123097
4.2 Debit Cards 16120.39 1216.69 1049.24 1018.29 495914 38963 37274 37957
4.2.1 PoS based $ 11980.33 910.91 794.35 773.20 332556 25999 24599 25513
4.2.2 Others $ 4140.06 305.78 254.89 245.10 163358 12965 12675 12444
5 Prepaid Payment Instruments 70254.08 6547.10 9755.15 9537.91 216751 19496 27044 27626
5.1 Wallets 52898.40 4875.14 8094.62 7716.41 154066 14700 20834 20985
5.2 Cards 17355.68 1671.97 1660.53 1821.50 62686 4796 6210 6641
5.2.1 PoS based $ 8240.14 701.18 694.23 827.76 11512 1000 1391 1582
5.2.2 Others $ 9115.54 970.79 966.30 993.74 51174 3796 4819 5059
6 Paper-based Instruments 6095.38 516.61 476.39 458.71 7113350 606756 620352 601415
6.1 CTS (NPCI Managed) 6095.38 516.61 476.39 458.71 7113350 606756 620352 601415
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 201003.00 251213.79 251793.49 92025771 8049363 9218135 9185108
Total Payments (1+2+3+4+5+6) 2225910.01 201271.14 251531.46 252110.48 293413453 25548726 31187617 28361812
Total Digital Payments (1+2+3+4+5) 2219814.63 200754.53 251055.07 251651.77 286300103 24941970 30567264 27760397

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2024-25 2025
January		 2025 2026 FY 2024-25 2025 January 2025 2026
December January December January
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 1756976.91 158794.78 198740.92 199023.23 39206221 3451865 4029352 4120520
1.1 Intra-bank $ 110801.96 9234.72 10679.51 10652.87 7207439 607541 694233 709038
1.2 Inter-bank $ 1646174.95 149560.06 188061.41 188370.36 31998782 2844325 3335119 3411483
2 Internet Payments (Netbanking / internet browser based) @ 47478.09 4167.05 3757.66 3726.69 131858133 11639721 15193135 13905643
2.1 Intra-bank @ 13056.37 1212.87 875.29 848.72 69086996 6130804 8063055 7386592
2.2 Inter-bank @ 34421.72 2954.18 2882.36 2877.97 62771136 5508917 7130080 6519051
B. ATMs                
3. Cash Withdrawal at ATMs $ 60308.11 4910.07 4469.09 4437.06 3063077 251938 240222 240472
3.1 Using Credit Cards $ 97.25 7.79 6.96 6.97 5084 412 393 394
3.2 Using Debit Cards $ 59965.70 4883.53 4444.02 4412.00 3046987 250646 238925 239172
3.3 Using Pre-paid Cards $ 245.16 18.75 18.11 18.09 11005 879 904 906
4. Cash Withdrawal at PoS $ 3.58 0.27 0.14 0.15 37 3 2 2
4.1 Using Debit Cards $ 3.33 0.24 0.12 0.12 35 3 2 2
4.2 Using Pre-paid Cards $ 0.25 0.03 0.02 0.02 3 0 0 0
5. Cash Withdrawal at Micro ATMs @ 11640.55 915.09 926.03 956.67 296622 23246 24083 24737
5.1 AePS @ 11640.55 915.09 926.03 956.67 296622 23246 24083 24737

PART III - Payment Infrastructures (lakh)
  As on March 2025 2025 January 2025 2026
December January
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 11006.97 10909.12 11501.38 11544.09
1.1 Credit Cards 1098.85 1088.73 1157.92 1166.52
1.2 Debit Cards 9908.12 9820.39 10343.46 10377.57
2 Number of PPIs @ 13401.46 13466.32 20873.16 22053.38
2.1 Wallets @ 8678.44 8957.73 16170.73 17268.45
2.2 Cards @ 4723.02 4508.59 4702.43 4784.92
3 Number of ATMs and CRMs 2.56 2.57 2.50 2.52
3.1 Bank owned ATMs$ and CRMs# 2.20 2.21 2.13 2.14
3.2 White Label ATMs $ 0.36 0.36 0.37 0.38
4 Number of Micro ATMs @ 14.82 14.74 14.15 13.92
5 Number of PoS Terminals 110.98 103.53 114.75 115.25
6 Bharat QR @ 67.18 64.43 58.90 57.97
7 UPI QR * 6579.30 6401.65 7313.65 7384.20

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 2026 2025 2026
December January December January
1. Card Payments 144.56 131.27 10110 9852
1.1 Credit Cards 90.97 81.92 7756 7477
1.1.1 PoS based 38.21 32.11 2667 2422
1.1.2 Online 52.76 49.81 5090 5055
1.2 Debit Cards 53.59 49.35 2354 2375
1.2.1 PoS based 26.96 23.73 833 767
1.2.2 Online 26.63 25.62 1521 1608
2. Prepaid Payment Instruments 29.19 24.17 1161 1060
2.1 PoS based 25.06 20.54 939 830
2.2 Online 4.14 3.64 221 229
3. Cash Withdrawal at ATMs 5.64 5.23 1202 1206
3.1 Using Credit Cards 0.35 0.30 53 51
3.2 Using Debit Cards 3.81 3.60 664 671
3.3 Using PPIs 1.48 1.32 485 484
Total International Payments 179.39 160.68 12474 12118

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
@: 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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