Payment System Indicators - May 2025

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Payment System Indicators - May 2025

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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	2025	FY 2024-25	2024 May	2025	2025
	FY 2024-25	2024 May	April	May	FY 2024-25	2024 May	April	May
	1	2	3	4	1	2	3	4
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	18	16	17
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	17	13	33
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	0.00	0.00	0.00	0.00	0.00	0.00	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.