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সেপ্টেম্বর - 2025
Payment System Indicators - September 2025
| Payment System Indicators | ||||||||
|---|---|---|---|---|---|---|---|---|
| PART I - Payment System Indicators - Payment & Settlement System Statistics | ||||||||
| Volume (lakh) | Value (₹ crore) | |||||||
| FY 2024-25 | 2024 September | 2025 | 2025 | FY 2024-25 | 2024 September | 2025 | 2025 | |
| August | September | August | September | |||||
| 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
| A. Settlement Systems | ||||||||
| Financial Market Infrastructures (FMIs) | ||||||||
| 1 CCIL Operated Systems | 47.40 | 4.08 | 4.28 | 4.95 | 296218030 | 23840258 | 28151946 | 30270023 |
| 1.1 Govt. Securities Clearing | 17.87 | 1.57 | 1.50 | 1.75 | 185733719 | 14750412 | 16614170 | 18003263 |
| 1.1.1 Outright | 10.56 | 0.99 | 0.81 | 1.04 | 16056018 | 1468346 | 1240951 | 1499643 |
| 1.1.2 Repo | 4.72 | 0.37 | 0.47 | 0.48 | 77286611 | 6038102 | 7489700 | 7926471 |
| 1.1.3 Tri-party Repo | 2.58 | 0.21 | 0.22 | 0.23 | 92391091 | 7243965 | 7883520 | 8577149 |
| 1.2 Forex Clearing | 28.06 | 2.40 | 2.69 | 3.11 | 100639565 | 8415273 | 10788097 | 11417001 |
| 1.3 Rupee Derivatives @ | 1.46 | 0.11 | 0.10 | 0.09 | 9844746 | 674573 | 749679 | 849759 |
| B. Payment Systems | ||||||||
| I Financial Market Infrastructures (FMIs) | ||||||||
| 1 Credit Transfers - RTGS | 3024.55 | 233.33 | 259.68 | 280.83 | 201387682 | 17786483 | 16371216 | 19836942 |
| 1.1 Customer Transactions | 3010.32 | 232.21 | 258.52 | 279.64 | 181153129 | 16027655 | 14993007 | 18220475 |
| 1.2 Interbank Transactions | 14.23 | 1.12 | 1.16 | 1.19 | 20234553 | 1758828 | 1378209 | 1616467 |
| II Retail | ||||||||
| 2 Credit Transfers - Retail | 2061014.91 | 166626.30 | 218816.17 | 213074.92 | 79781976 | 6384754 | 7102303 | 7543380 |
| 2.1 AePS (Fund Transfers) @ | 3.64 | 0.30 | 0.31 | 0.26 | 190 | 14 | 16 | 12 |
| 2.2 APBS $ | 32964.43 | 2342.41 | 3817.08 | 2542.90 | 554034 | 35550 | 66150 | 41746 |
| 2.3 IMPS | 56249.68 | 4299.36 | 4772.62 | 3943.79 | 7139110 | 565233 | 597549 | 596847 |
| 2.4 NACH Cr $ | 16938.86 | 1657.93 | 1854.46 | 1850.43 | 1670223 | 122079 | 167856 | 149729 |
| 2.5 NEFT | 96198.05 | 7908.83 | 8288.60 | 8403.21 | 44361464 | 3597885 | 3785260 | 4265310 |
| 2.6 UPI @ | 1858660.25 | 150417.47 | 200083.10 | 196334.33 | 26056955 | 2063995 | 2485473 | 2489737 |
| 2.6.1 of which USSD @ | 17.24 | 1.31 | 0.69 | 0.94 | 185 | 14 | 7 | 10 |
| 3 Debit Transfers and Direct Debits | 21659.95 | 1805.36 | 1929.02 | 1926.97 | 2208583 | 180707 | 214928 | 222919 |
| 3.1 BHIM Aadhaar Pay @ | 230.08 | 18.81 | 25.38 | 18.90 | 6907 | 568 | 718 | 591 |
| 3.2 NACH Dr $ | 19762.28 | 1651.69 | 1764.13 | 1786.47 | 2199327 | 179945 | 214031 | 222164 |
| 3.3 NETC (linked to bank account) @ | 1667.59 | 134.86 | 139.51 | 121.60 | 2349 | 193 | 178 | 164 |
| 4 Card Payments | 63861.15 | 5275.26 | 6056.57 | 5999.81 | 2605110 | 216304 | 228576 | 253483 |
| 4.1 Credit Cards | 47740.76 | 3921.62 | 4935.77 | 4952.41 | 2109197 | 176202 | 191170 | 216707 |
| 4.1.1 PoS based $ | 24571.10 | 1978.05 | 2501.63 | 2416.15 | 795022 | 60857 | 72753 | 72544 |
| 4.1.2 Others $ | 23169.66 | 1943.57 | 2434.15 | 2536.26 | 1314175 | 115345 | 118417 | 144163 |
| 4.2 Debit Cards | 16120.39 | 1353.64 | 1120.80 | 1047.40 | 495914 | 40102 | 37406 | 36776 |
| 4.2.1 PoS based $ | 11980.33 | 995.05 | 843.59 | 777.57 | 332556 | 25777 | 24663 | 22773 |
| 4.2.2 Others $ | 4140.06 | 358.59 | 277.21 | 269.83 | 163358 | 14325 | 12743 | 14003 |
| 5 Prepaid Payment Instruments | 70254.08 | 5476.69 | 7966.16 | 8551.51 | 216751 | 17489 | 22253 | 22637 |
| 5.1 Wallets | 52898.40 | 4054.95 | 6246.19 | 6871.58 | 154066 | 11889 | 17169 | 17183 |
| 5.2 Cards | 17355.68 | 1421.74 | 1719.97 | 1679.93 | 62686 | 5600 | 5083 | 5454 |
| 5.2.1 PoS based $ | 8240.14 | 721.65 | 669.51 | 688.72 | 11512 | 858 | 1030 | 1092 |
| 5.2.2 Others $ | 9115.54 | 700.09 | 1050.45 | 991.22 | 51174 | 4743 | 4054 | 4362 |
| 6 Paper-based Instruments | 6095.38 | 484.94 | 446.03 | 464.86 | 7113350 | 543387 | 540025 | 570467 |
| 6.1 CTS (NPCI Managed) | 6095.38 | 484.94 | 446.03 | 464.86 | 7113350 | 543387 | 540025 | 570467 |
| 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 | 179668.57 | 235213.95 | 230018.07 | 91925771 | 7342641 | 8108084 | 8612885 |
| Total Payments (1+2+3+4+5+6) | 2225910.01 | 179901.90 | 235473.63 | 230298.90 | 293313453 | 25129124 | 24479300 | 28449827 |
| Total Digital Payments (1+2+3+4+5) | 2219814.63 | 179416.96 | 235027.60 | 229834.04 | 286200103 | 24585737 | 23939275 | 27879361 |
| PART II - Payment Modes and Channels | ||||||||
|---|---|---|---|---|---|---|---|---|
| Volume (lakh) | Value (₹ crore) | |||||||
| FY 2024-25 | 2024 September | 2025 | 2025 | FY 2024-25 | 2024 September | 2025 | 2025 | |
| August | September | August | September | |||||
| 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
| A. Other Payment Channels | ||||||||
| 1 Mobile Payments (mobile app based) | 1756976.91 | 144028.12 | 184421.97 | 181008.61 | 39206221 | 3157064 | 3539156 | 3618114 |
| 1.1 Intra-bank $ | 110801.96 | 10596.33 | 10513.94 | 10469.49 | 7207439 | 617325 | 605043 | 633733 |
| 1.2 Inter-bank $ | 1646174.95 | 133431.79 | 173908.03 | 170539.12 | 31998782 | 2539739 | 2934113 | 2984381 |
| 2 Internet Payments (Netbanking / internet browser based) @ | 47478.09 | 3911.28 | 3638.12 | 3755.37 | 131858133 | 11251665 | 11554723 | 13794692 |
| 2.1 Intra-bank @ | 13056.37 | 1103.93 | 798.11 | 853.80 | 69086996 | 5946842 | 6020479 | 7091903 |
| 2.2 Inter-bank @ | 34421.72 | 2807.35 | 2840.01 | 2901.57 | 62771136 | 5304823 | 5534243 | 6702789 |
| B. ATMs | ||||||||
| 3. Cash Withdrawal at ATMs $ | 60308.11 | 4949.81 | 4625.94 | 4395.46 | 3063077 | 245223 | 240098 | 230952 |
| 3.1 Using Credit Cards $ | 97.25 | 8.02 | 6.71 | 6.69 | 5084 | 417 | 366 | 369 |
| 3.2 Using Debit Cards $ | 59965.70 | 4922.18 | 4601.37 | 4370.89 | 3046987 | 243930 | 238883 | 229713 |
| 3.3 Using Pre-paid Cards $ | 245.16 | 19.62 | 17.86 | 17.89 | 11005 | 876 | 849 | 870 |
| 4. Cash Withdrawal at PoS $ | 3.58 | 0.27 | 0.13 | 0.12 | 37 | 3 | 1 | 2 |
| 4.1 Using Debit Cards $ | 3.33 | 0.25 | 0.10 | 0.10 | 35 | 3 | 1 | 1 |
| 4.2 Using Pre-paid Cards $ | 0.25 | 0.01 | 0.02 | 0.02 | 3 | 0 | 0 | 0 |
| 5. Cash Withdrawal at Micro ATMs @ | 11640.55 | 975.12 | 1245.48 | 1034.96 | 296622 | 23389 | 31157 | 26356 |
| 5.1 AePS @ | 11640.55 | 975.12 | 1245.48 | 1034.96 | 296622 | 23389 | 31157 | 26356 |
| PART III - Payment Infrastructures (lakh) | ||||
|---|---|---|---|---|
| As on March 2025 | 2024 September | 2025 | 2025 | |
| August | September | |||
| 1 | 2 | 3 | 4 | |
| Payment System Infrastructures | ||||
| 1 Number of Cards | 11006.97 | 10793.85 | 11303.57 | 11382.14 |
| 1.1 Credit Cards | 1098.85 | 1061.03 | 1123.14 | 1133.90 |
| 1.2 Debit Cards | 9908.12 | 9732.82 | 10180.42 | 10248.24 |
| 2 Number of PPIs @ | 13401.46 | 15339.99 | 14584.13 | 16180.40 |
| 2.1 Wallets @ | 8678.44 | 11381.79 | 9692.18 | 11478.95 |
| 2.2 Cards @ | 4723.02 | 3958.20 | 4891.95 | 4701.45 |
| 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 | 2.12 | 2.12 |
| 3.2 White Label ATMs $ | 0.36 | 0.35 | 0.36 | 0.37 |
| 4 Number of Micro ATMs @ | 14.82 | 14.53 | 14.71 | 14.60 |
| 5 Number of PoS Terminals | 110.98 | 93.43 | 119.73 | 121.24 |
| 6 Bharat QR @ | 67.18 | 64.16 | 65.97 | 60.95 |
| 7 UPI QR * | 6579.30 | 6070.79 | 6978.38 | 7090.66 |
| 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 | |
| August | September | August | September | |
| 1. Card Payments | 120.40 | 136.04 | 9166 | 10212 |
| 1.1 Credit Cards | 77.94 | 87.55 | 6917 | 7821 |
| 1.1.1 PoS based | 29.32 | 36.09 | 2009 | 2547 |
| 1.1.2 Online | 48.62 | 51.46 | 4908 | 5274 |
| 1.2 Debit Cards | 42.47 | 48.48 | 2249 | 2391 |
| 1.2.1 PoS based | 18.33 | 23.55 | 654 | 799 |
| 1.2.2 Online | 24.14 | 24.93 | 1595 | 1592 |
| 2. Prepaid Payment Instruments | 28.07 | 35.26 | 1204 | 1463 |
| 2.1 PoS based | 23.94 | 30.33 | 922 | 1153 |
| 2.2 Online | 4.13 | 4.93 | 283 | 309 |
| 3. Cash Withdrawal at ATMs | 4.63 | 5.32 | 1184 | 1299 |
| 3.1 Using Credit Cards | 0.37 | 0.42 | 69 | 78 |
| 3.2 Using Debit Cards | 2.80 | 3.29 | 524 | 631 |
| 3.3 Using PPIs | 1.47 | 1.61 | 592 | 591 |
| Total International Payments | 153.11 | 176.62 | 11555 | 12974 |
| 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 |
| 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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