Payment System Indicators - September 2025

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Payment System Indicators - September 2025

Published on September - 2025

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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

FY 2024-25

2024 September

2025

August

September

August

September

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

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

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

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

FY 2024-25

2024 September

2025

August

September

August

September

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

4.1 Using Debit Cards $

3.33

0.25

0.10

4.2 Using Pre-paid Cards $

0.25

0.01

0.02

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

August

September

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

3.1 Bank owned ATMs$ and CRMs#

2.20

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

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

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.