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Payment System Indicators

Document - Payment System Indicators - August 2025 () or PDF - Payment System Indicators - August 2025 ()
Payment System Indicators - August 2025
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2024-25 2024 August 2025 2025 FY 2024-25 2024 August 2025 2025
July August July August
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 47.40 3.88 5.21 4.28 296218030 23205978 32781616 28151946
1.1 Govt. Securities Clearing 17.87 1.62 1.63 1.50 185733719 15544033 19293299 16614170
1.1.1 Outright 10.56 0.99 0.84 0.81 16056018 1468219 1274228 1240951
1.1.2 Repo 4.72 0.41 0.55 0.47 77286611 6391039 8664018 7489700
1.1.3 Tri-party Repo 2.58 0.22 0.24 0.22 92391091 7684775 9355053 7883520
1.2 Forex Clearing 28.06 2.13 3.48 2.69 100639565 6911072 12739681 10788097
1.3 Rupee Derivatives @ 1.46 0.13 0.10 0.10 9844746 750873 748636 749679
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 3024.55 237.53 277.67 259.68 201387682 15910436 18863902 16371216
1.1 Customer Transactions 3010.32 236.33 276.46 258.52 181153129 14385410 16624624 14993007
1.2 Interbank Transactions 14.23 1.19 1.21 1.16 20234553 1525025 2239279 1378209
II Retail                
2 Credit Transfers - Retail 2061014.91 166465.50 212335.07 218816.17 79781976 6408703 7319321 7102303
2.1 AePS (Fund Transfers) @ 3.64 0.31 0.31 0.31 190 13 16 16
2.2 APBS $ 32964.43 2783.25 2705.04 3817.08 554034 35283 42355 66150
2.3 IMPS 56249.68 4533.37 4821.90 4772.62 7139110 577888 631411 597549
2.4 NACH Cr $ 16938.86 1534.87 1628.20 1854.46 1670223 144196 143081 167856
2.5 NEFT 96198.05 7983.23 8500.14 8288.60 44361464 3590588 3993960 3785260
2.6 UPI @ 1858660.25 149630.47 194679.48 200083.10 26056955 2060736 2508498 2485473
2.6.1 of which USSD @ 17.24 1.45 1.59 0.69 185 15 31 7
3 Debit Transfers and Direct Debits 21659.95 1774.78 1912.72 1929.02 2208583 177162 217899 214928
3.1 BHIM Aadhaar Pay @ 230.08 19.06 19.95 25.38 6907 576 619 718
3.2 NACH Dr $ 19762.28 1621.10 1753.66 1764.13 2199327 176386 217102 214031
3.3 NETC (linked to bank account) @ 1667.59 134.62 139.11 139.51 2349 199 179 178
4 Card Payments 63861.15 5322.94 5982.42 6055.24 2605110 211726 231987 228565
4.1 Credit Cards 47740.76 3900.49 4861.81 4934.43 2109197 168184 193849 191159
4.1.1 PoS based $ 24571.10 2023.95 2432.75 2500.52 795022 63048 70380 72747
4.1.2 Others $ 23169.66 1876.54 2429.06 2433.91 1314175 105136 123469 118412
4.2 Debit Cards 16120.39 1422.45 1120.61 1120.80 495914 43542 38138 37406
4.2.1 PoS based $ 11980.33 1061.40 832.19 843.59 332556 29346 23921 24663
4.2.2 Others $ 4140.06 361.05 288.42 277.21 163358 14196 14216 12743
5 Prepaid Payment Instruments 70254.08 5466.90 7124.06 7966.16 216751 16555 20758 22253
5.1 Wallets 52898.40 4092.83 5431.45 6246.19 154066 11599 16915 17169
5.2 Cards 17355.68 1374.07 1692.61 1719.97 62686 4956 3842 5083
5.2.1 PoS based $ 8240.14 710.24 660.66 669.51 11512 908 908 1030
5.2.2 Others $ 9115.54 663.82 1031.95 1050.45 51174 4048 2935 4054
6 Paper-based Instruments 6095.38 508.49 494.59 446.03 7113350 568848 607504 540025
6.1 CTS (NPCI Managed) 6095.38 508.49 494.59 446.03 7113350 568848 607504 540025
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 179538.61 227848.86 235212.61 91925771 7382994 8397469 8108073
Total Payments (1+2+3+4+5+6) 2225910.01 179776.13 228126.54 235472.29 293313453 23293430 27261371 24479289
Total Digital Payments (1+2+3+4+5) 2219814.63 179267.64 227631.95 235026.26 286200103 22724582 26653867 23939264

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2024-25 2024 August 2025 2025 FY 2024-25 2024 August 2025 2025
July August July August
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 1756976.91 144463.15 180367.99 184421.90 39206221 3182912 3658441 3539374
1.1 Intra-bank $ 110801.96 10667.99 10205.69 10513.87 7207439 614654 634811 605031
1.2 Inter-bank $ 1646174.95 133795.17 170162.30 173908.03 31998782 2568258 3023629 2934344
2 Internet Payments (Netbanking / internet browser based) @ 47478.09 3980.06 3987.57 2899.82 131858133 10547357 12803198 7172910
2.1 Intra-bank @ 13056.37 1159.37 935.66 592.15 69086996 5630895 6734105 3104858
2.2 Inter-bank @ 34421.72 2820.69 3051.90 2307.67 62771136 4916461 6069093 4068053
B. ATMs                
3. Cash Withdrawal at ATMs $ 60308.11 5157.20 4472.41 4625.94 3063077 255021 232955 240098
3.1 Using Credit Cards $ 97.25 8.46 6.63 6.71 5084 434 362 366
3.2 Using Debit Cards $ 59965.70 5128.53 4447.66 4601.37 3046987 253703 231722 238883
3.3 Using Pre-paid Cards $ 245.16 20.20 18.13 17.86 11005 883 871 849
4. Cash Withdrawal at PoS $ 3.58 0.31 0.13 0.13 37 3 1 1
4.1 Using Debit Cards $ 3.33 0.28 0.11 0.10 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 @ 11640.55 972.97 996.95 1245.48 296622 23935 25574 31157
5.1 AePS @ 11640.55 972.97 996.95 1245.48 296622 23935 25574 31157

PART III - Payment Infrastructures (lakh)
  As on March 2025 2024 August 2025 2025
July August
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 11006.97 10739.74 11243.50 11303.57
1.1 Credit Cards 1098.85 1054.24 1116.23 1123.14
1.2 Debit Cards 9908.12 9685.49 10127.27 10180.42
2 Number of PPIs @ 13396.53 15182.14 13746.53 14584.13
2.1 Wallets @ 8673.62 11322.72 8870.16 9692.18
2.2 Cards @ 4722.91 3859.42 4876.37 4891.95
3 Number of ATMs and CRMs 2.56 2.55 2.49 2.49
3.1 Bank owned ATMs$ and CRMs# 2.20 2.20 2.13 2.12
3.2 White Label ATMs $ 0.36 0.35 0.36 0.36
4 Number of Micro ATMs @ 14.82 14.50 14.67 14.71
5 Number of PoS Terminals 110.98 93.01 119.21 119.73
6 Bharat QR @ 67.18 63.97 66.64 65.97
7 UPI QR * 6579.30 5912.93 6881.22 6978.38

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
July August July August
1. Card Payments 128.09 120.40 9714 9166
1.1 Credit Cards 82.88 77.94 7467 6917
1.1.1 PoS based 32.34 29.32 2375 2009
1.1.2 Online 50.53 48.62 5092 4908
1.2 Debit Cards 45.21 42.47 2247 2249
1.2.1 PoS based 20.06 18.33 733 654
1.2.2 Online 25.15 24.14 1514 1595
2. Prepaid Payment Instruments 31.54 28.07 1333 1204
2.1 PoS based 27.33 23.94 1085 922
2.2 Online 4.21 4.13 248 283
3. Cash Withdrawal at ATMs 4.88 4.63 1146 1184
3.1 Using Credit Cards 0.41 0.37 83 69
3.2 Using Debit Cards 2.95 2.80 541 524
3.3 Using PPIs 1.51 1.47 522 592
Total International Payments 164.51 153.11 12193 11555

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 100735.38 0.166 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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