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Payment System Indicators

Document - Payment System Indicators - July 2025 () or PDF - Payment System Indicators - July 2025 ()
Payment System Indicators - July 2025
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2024-25 2024
July		 2025 2025 FY 2024-25 2024
July		 2025 2025
June July June July
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 47.40 4.54 5.30 5.21 296218030 25280807 30959727 32781616
1.1 Govt. Securities Clearing 17.87 1.71 1.77 1.63 185733719 17139102 17946468 19293299
1.1.1 Outright 10.56 1.03 1.05 0.84 16056018 1524120 1611829 1274228
1.1.2 Repo 4.72 0.44 0.51 0.55 77286611 7150905 7894091 8664018
1.1.3 Tri-party Repo 2.58 0.23 0.21 0.24 92391091 8464077 8440549 9355053
1.2 Forex Clearing 28.06 2.71 3.39 3.48 100639565 7417106 11968143 12739681
1.3 Rupee Derivatives @ 1.46 0.12 0.14 0.10 9844746 724598 1045117 748636
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 3024.55 246.68 254.88 277.67 201387682 15970680 19012360 18863902
1.1 Customer Transactions 3010.32 245.48 253.73 276.46 181153129 14531533 16983278 16624624
1.2 Interbank Transactions 14.23 1.19 1.15 1.21 20234553 1439147 2029082 2239279
II Retail                
2 Credit Transfers - Retail 2061014.91 161225.51 200519.84 212335.07 79781976 6480748 6957478 7319321
2.1 AePS (Fund Transfers) @ 3.64 0.31 0.30 0.31 190 13 16 16
2.2 APBS $ 32964.43 2481.39 2841.94 2705.04 554034 28605 48247 42355
2.3 IMPS 56249.68 4902.84 4481.05 4821.90 7139110 593177 606356 631411
2.4 NACH Cr $ 16938.86 1479.29 1325.97 1628.20 1670223 132397 134188 143081
2.5 NEFT 96198.05 8006.14 7920.52 8500.14 44361464 3662264 3764742 3993960
2.6 UPI @ 1858660.25 144355.54 183950.06 194679.48 26056955 2064292 2403931 2508498
2.6.1 of which USSD @ 17.24 1.40 1.18 1.59 185 15 21 31
3 Debit Transfers and Direct Debits 21659.95 1734.76 1891.36 1912.72 2208583 175789 210754 217899
3.1 BHIM Aadhaar Pay @ 230.08 19.25 18.27 19.95 6907 575 615 619
3.2 NACH Dr $ 19762.28 1588.11 1728.39 1753.66 2199327 175014 209956 217102
3.3 NETC (linked to bank account) @ 1667.59 127.40 144.70 139.11 2349 200 183 179
4 Card Payments 63861.15 5294.35 5672.82 5982.42 2605110 217435 218552 231987
4.1 Credit Cards 47740.76 3837.80 4587.10 4861.81 2109197 172670 183088 193849
4.1.1 PoS based $ 24571.10 1970.94 2338.70 2432.75 795022 62284 67468 70380
4.1.2 Others $ 23169.66 1866.86 2248.41 2429.06 1314175 110386 115620 123469
4.2 Debit Cards 16120.39 1456.56 1085.72 1120.61 495914 44765 35463 38138
4.2.1 PoS based $ 11980.33 1068.58 812.90 832.19 332556 28600 23079 23921
4.2.2 Others $ 4140.06 387.98 272.82 288.42 163358 16165 12384 14216
5 Prepaid Payment Instruments 70254.08 5356.71 6868.39 7124.06 216751 16327 20740 20758
5.1 Wallets 52898.40 4009.69 5338.82 5431.45 154066 11386 17308 16915
5.2 Cards 17355.68 1347.01 1529.57 1692.61 62686 4941 3432 3842
5.2.1 PoS based $ 8240.14 713.97 595.05 660.66 11512 940 888 908
5.2.2 Others $ 9115.54 633.05 934.51 1031.95 51174 4001 2544 2935
6 Paper-based Instruments 6095.38 531.00 447.43 494.59 7113350 610685 550176 607504
6.1 CTS (NPCI Managed) 6095.38 531.00 447.43 494.59 7113350 610685 550176 607504
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 174142.33 215399.84 227848.86 91925771 7500984 7957700 8397469
Total Payments (1+2+3+4+5+6) 2225910.01 174389.01 215654.72 228126.54 293313453 23471665 26970060 27261371
Total Digital Payments (1+2+3+4+5) 2219814.63 173858.01 215207.29 227631.95 286200103 22860979 26419884 26653867

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2024-25 2024
July		 2025 2025 FY 2024-25 2024
July		 2025 2025
June July June July
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 1756976.91 138523.69 170640.11 180368.04 39206221 3141241 3467488 3658470
1.1 Intra-bank $ 110801.96 8897.45 9560.57 10205.70 7207439 584669 611428 634819
1.2 Inter-bank $ 1646174.95 129626.24 161079.54 170162.34 31998782 2556572 2856060 3023651
2 Internet Payments (Netbanking / internet browser based) @ 47478.09 4305.75 3635.82 3987.57 131858133 10958678 12824960 12803198
2.1 Intra-bank @ 13056.37 1227.41 839.90 935.66 69086996 5820942 6918867 6734105
2.2 Inter-bank @ 34421.72 3078.34 2795.92 3051.90 62771136 5137737 5906093 6069093
B. ATMs                
3. Cash Withdrawal at ATMs $ 60308.11 5069.38 4382.08 4472.41 3063077 250318 229907 232955
3.1 Using Credit Cards $ 97.25 8.54 6.28 6.63 5084 433 345 362
3.2 Using Debit Cards $ 59965.70 5040.14 4358.58 4447.66 3046987 248968 228735 231722
3.3 Using Pre-paid Cards $ 245.16 20.70 17.22 18.13 11005 917 827 871
4. Cash Withdrawal at PoS $ 3.58 0.29 0.14 0.13 37 3 1 1
4.1 Using Debit Cards $ 3.33 0.27 0.11 0.11 35 3 1 1
4.2 Using Pre-paid Cards $ 0.25 0.02 0.02 0.02 3 0 0 0
5. Cash Withdrawal at Micro ATMs @ 11640.55 944.29 944.62 996.95 296622 23498 25646 25574
5.1 AePS @ 11640.55 944.29 944.62 996.95 296622 23498 25646 25574

PART III - Payment Infrastructures (lakh)
  As on March 2025 2024
July		 2025 2025
June July
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 11006.97 10677.71 11163.78 11243.50
1.1 Credit Cards 1098.85 1045.68 1111.97 1116.23
1.2 Debit Cards 9908.12 9632.02 10051.80 10127.27
2 Number of PPIs @ 13401.35 15211.55 13520.65 13746.53
2.1 Wallets @ 8678.44 11419.62 8681.92 8870.16
2.2 Cards @ 4722.91 3791.93 4838.73 4876.37
3 Number of ATMs and CRMs 2.56 2.55 2.51 2.49
3.1 Bank owned ATMs$ and CRMs# 2.20 2.21 2.15 2.13
3.2 White Label ATMs $ 0.36 0.34 0.36 0.36
4 Number of Micro ATMs @ 14.82 14.78 14.59 14.67
5 Number of PoS Terminals 110.98 89.72 117.91 119.21
6 Bharat QR @ 67.18 61.87 67.21 66.64
7 UPI QR * 6579.30 5851.14 6782.51 6881.22

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
June July June July
1. Card Payments 138.64 128.09 10434 9714
1.1 Credit Cards 91.46 82.88 8251 7467
1.1.1 PoS based 40.33 32.34 3024 2375
1.1.2 Online 51.13 50.53 5228 5092
1.2 Debit Cards 47.18 45.21 2182 2247
1.2.1 PoS based 23.37 20.06 837 733
1.2.2 Online 23.80 25.15 1345 1514
2. Prepaid Payment Instruments 38.54 31.54 1653 1333
2.1 PoS based 33.92 27.33 1393 1085
2.2 Online 4.62 4.21 260 248
3. Cash Withdrawal at ATMs 5.57 4.88 1227 1146
3.1 Using Credit Cards 0.44 0.41 82 83
3.2 Using Debit Cards 3.47 2.95 591 541
3.3 Using PPIs 1.65 1.51 554 522
Total International Payments 182.74 164.51 13313 12193

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
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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