Payment System Indicators

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Payment System Indicators - May 2025

Payment System Indicators

PART I - Payment System Indicators - Payment & Settlement System Statistics

Volume (lakh)

Value (₹ crore)

FY 2024-25

2024 May

2025

FY 2024-25

2024 May

2025

April

May

April

May

A. Settlement Systems

Financial Market Infrastructures (FMIs)

1 CCIL Operated Systems

47.40

4.07

5.07

5.48

296218030

22018913

29399814

29656042

1.1 Govt. Securities Clearing

17.87

1.60

1.89

1.94

185733719

14632648

16657576

17500816

1.1.1 Outright

10.56

0.98

1.30

1.28

16056018

1363203

2017823

1875057

1.1.2 Repo

4.72

0.43

0.38

0.45

77286611

6669493

7078422

7645792

1.1.3 Tri-party Repo

2.58

0.19

0.20

0.21

92391091

6599952

7561331

7979967

1.2 Forex Clearing

28.06

2.37

3.07

3.44

100639565

6780829

11992139

11363617

1.3 Rupee Derivatives @

1.46

0.10

0.11

0.10

9844746

605436

750099

791608

B. Payment Systems

I Financial Market Infrastructures (FMIs)

1 Credit Transfers - RTGS

3024.55

249.71

262.41

274.71

201387682

15186947

16895789

17013770

1.1 Customer Transactions

3010.32

248.49

261.16

273.46

181153129

13559606

15060026

15219873

1.2 Interbank Transactions

14.23

1.22

1.24

1.25

20234553

1627340

1835763

1793897

II Retail

2 Credit Transfers - Retail

2061014.91

156773.59

194925.94

203656.72

79781976

6279019

7126205

7146649

2.1 AePS (Fund Transfers) @

3.64

0.31

0.30

0.31

190

2.2 APBS $

32964.43

2295.50

2610.51

2786.17

554034

37499

57566

50985

2.3 IMPS

56249.68

5576.99

4492.53

4636.60

7139110

606167

621666

640867

2.4 NACH Cr $

16938.86

1074.61

1200.84

1243.57

1670223

132404

154683

147380

2.5 NEFT

96198.05

7467.75

7687.52

8215.47

44361464

3457995

3897348

3793103

2.6 UPI @

1858660.25

140358.43

178934.24

186774.60

26056955

2044937

2394926

2514297

2.6.1 of which USSD @

17.24

1.62

1.22

1.79

185

3 Debit Transfers and Direct Debits

21659.95

1698.67

1869.90

1895.74

2208583

167035

198565

206368

3.1 BHIM Aadhaar Pay @

230.08

19.33

17.39

19.51

6907

506

601

641

3.2 NACH Dr $

19762.28

1539.23

1709.27

1723.65

2199327

166305

197780

205535

3.3 NETC (linked to bank account) @

1667.59

140.11

143.24

152.58

2349

225

184

192

4 Card Payments

63861.15

5105.17

5673.64

5827.40

2605110

208520

222351

226810

4.1 Credit Cards

47740.76

3601.36

4502.70

4676.93

2109197

164955

184237

189832

4.1.1 PoS based $

24571.10

1906.58

2281.41

2359.14

795022

63831

67899

69607

4.1.2 Others $

23169.66

1694.78

2221.29

2317.79

1314175

101124

116338

120224

4.2 Debit Cards

16120.39

1503.82

1170.93

1150.47

495914

43565

38113

36978

4.2.1 PoS based $

11980.33

1114.35

875.30

861.57

332556

29772

26187

24735

4.2.2 Others $

4140.06

389.47

295.63

288.90

163358

13793

11926

12243

5 Prepaid Payment Instruments

70254.08

5496.00

6768.43

7106.39

216751

16697

21254

20722

5.1 Wallets

52898.40

4204.49

5157.38

5474.25

154066

11566

15896

16668

5.2 Cards

17355.68

1291.51

1611.04

1632.13

62686

5131

5358

4053

5.2.1 PoS based $

8240.14

689.94

649.25

650.54

11512

1027

1093

981

5.2.2 Others $

9115.54

601.57

961.79

981.59

51174

4104

4265

3072

6 Paper-based Instruments

6095.38

524.39

494.77

481.93

7113350

611518

645079

596239

6.1 CTS (NPCI Managed)

6095.38

524.39

494.77

481.93

7113350

611518

645079

596239

6.2 Others

0.00

Total Retail Payments (2+3+4+5+6)

2222885.46

169597.82

209732.67

218968.18

91925771

7282789

8213454

8196787

Total Payments (1+2+3+4+5+6)

2225910.01

169847.53

209995.08

219242.89

293313453

22469736

25109243

25210557

Total Digital Payments (1+2+3+4+5)

2219814.63

169323.14

209500.31

218760.96

286200103

21858218

24464164

24614318

PART II - Payment Modes and Channels

Volume (lakh)

Value (₹ crore)

FY 2024-25

2024 May

2025

FY 2024-25

2024 May

2025

April

May

April

May

A. Other Payment Channels

1 Mobile Payments (mobile app based)

1756976.91

133232.33

165815.85

173273.19

39206221

3092908

3505147

3642370

1.1 Intra-bank $

110801.96

8851.50

9304.93

9743.47

7207439

571075

617898

638705

1.2 Inter-bank $

1646174.95

124380.84

156510.92

163529.72

31998782

2521832

2887249

3003664

2 Internet Payments (Netbanking / internet browser based) @

47478.09

3812.36

3653.49

3668.56

131858133

9595069

11633517

11653243

2.1 Intra-bank @

13056.37

1012.11

838.00

851.51

69086996

4905987

6048107

6063029

2.2 Inter-bank @

34421.72

2800.25

2815.49

2817.05

62771136

4689082

5585409

5590213

B. ATMs

3. Cash Withdrawal at ATMs $

60308.11

5166.41

4602.65

4604.61

3063077

260240

244747

246201

3.1 Using Credit Cards $

97.25

8.63

6.86

6.70

5084

441

373

370

3.2 Using Debit Cards $

59965.70

5133.52

4578.06

4579.88

3046987

258785

243494

244945

3.3 Using Pre-paid Cards $

245.16

24.26

17.73

18.03

11005

1014

881

886

4. Cash Withdrawal at PoS $

3.58

0.33

0.17

0.15

4.1 Using Debit Cards $

3.33

0.31

0.15

0.13

4.2 Using Pre-paid Cards $

0.25

0.02

0.03

5. Cash Withdrawal at Micro ATMs @

11640.55

879.79

928.36

1017.25

296622

22804

25662

27668

5.1 AePS @

11640.55

879.79

928.36

1017.25

296622

22804

25662

27668

PART III - Payment Infrastructures (lakh)

As on March 2025

2024 May

2025

April

May

Payment System Infrastructures

1 Number of Cards

11006.97

10598.99

11064.20

11115.67

1.1 Credit Cards

1098.85

1033.00

1104.36

1111.98

1.2 Debit Cards

9908.12

9565.98

9959.84

10003.70

2 Number of PPIs @

13396.53

14840.92

13444.93

13513.51

2.1 Wallets @

8673.62

11302.14

8719.54

8692.12

2.2 Cards @

4722.91

3538.78

4725.39

4821.38

3 Number of ATMs and CRMs

2.56

2.57

2.55

2.57

3.1 Bank owned ATMs$ and CRMs#

2.20

2.22

2.19

2.21

3.2 White Label ATMs $

0.36

4 Number of Micro ATMs @

14.82

15.69

14.74

14.78

5 Number of PoS Terminals

110.98

88.04

112.91

115.89

6 Bharat QR @

67.18

61.21

66.84

66.64

7 UPI QR *

6579.30

5690.84

6624.75

6698.20

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

April

May

April

May

1. Card Payments

122.62

141.55

9238

10482

1.1 Credit Cards

78.09

91.96

7161

8221

1.1.1 PoS based

30.88

39.59

2129

2725

1.1.2 Online

47.21

52.37

5032

5496

1.2 Debit Cards

44.53

49.60

2076

2261

1.2.1 PoS based

21.88

25.08

717

839

1.2.2 Online

22.65

24.52

1360

1421

2. Prepaid Payment Instruments

29.82

38.51

1169

1576

2.1 PoS based

25.68

33.64

934

1295

2.2 Online

4.14

4.86

236

281

3. Cash Withdrawal at ATMs

5.82

6.10

1286

1346

3.1 Using Credit Cards

0.42

0.45

3.2 Using Debit Cards

3.77

3.86

671

659

3.3 Using PPIs

1.63

1.80

545

607

Total International Payments

158.26

186.17

11693

13404

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

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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