Payment System Indicators – June 2025 - ଆରବିଆଇ - Reserve Bank of India
133139610
ପ୍ରକାଶିତ ତାରିଖ
Payment System Indicators – June 2025
| Payment System Indicators | ||||||||
|---|---|---|---|---|---|---|---|---|
| PART I - Payment System Indicators - Payment & Settlement System Statistics | ||||||||
| Volume (lakh) | Value (₹ crore) | |||||||
| FY 2024-25 | 2024 June | 2025 | 2025 | FY 2024-25 | 2024 June | 2025 | 2025 | |
| May | June | May | June | |||||
| 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
| A. Settlement Systems | ||||||||
| Financial Market Infrastructures (FMIs) | ||||||||
| 1 CCIL Operated Systems | 47.40 | 4.36 | 5.48 | 5.30 | 296218030 | 22580094 | 29656042 | 30959727 |
| 1.1 Govt. Securities Clearing | 17.87 | 1.60 | 1.94 | 1.77 | 185733719 | 15107943 | 17500816 | 17946468 |
| 1.1.1 Outright | 10.56 | 0.97 | 1.28 | 1.05 | 16056018 | 1372786 | 1875057 | 1611829 |
| 1.1.2 Repo | 4.72 | 0.42 | 0.45 | 0.51 | 77286611 | 6414226 | 7645792 | 7894091 |
| 1.1.3 Tri-party Repo | 2.58 | 0.21 | 0.21 | 0.21 | 92391091 | 7320931 | 7979967 | 8440549 |
| 1.2 Forex Clearing | 28.06 | 2.67 | 3.44 | 3.39 | 100639565 | 6953169 | 11363617 | 11968143 |
| 1.3 Rupee Derivatives @ | 1.46 | 0.09 | 0.10 | 0.14 | 9844746 | 518982 | 791608 | 1045117 |
| B. Payment Systems | ||||||||
| I Financial Market Infrastructures (FMIs) | ||||||||
| 1 Credit Transfers - RTGS | 3024.55 | 231.84 | 274.71 | 254.88 | 201387682 | 16037694 | 17013770 | 19012360 |
| 1.1 Customer Transactions | 3010.32 | 230.72 | 273.46 | 253.73 | 181153129 | 14570686 | 15219873 | 16983278 |
| 1.2 Interbank Transactions | 14.23 | 1.12 | 1.25 | 1.15 | 20234553 | 1467008 | 1793897 | 2029082 |
| II Retail | ||||||||
| 2 Credit Transfers - Retail | 2061014.91 | 155567.02 | 203656.72 | 200519.84 | 79781976 | 6073917 | 7146649 | 6957478 |
| 2.1 AePS (Fund Transfers) @ | 3.64 | 0.30 | 0.31 | 0.30 | 190 | 16 | 17 | 16 |
| 2.2 APBS $ | 32964.43 | 2929.34 | 2786.17 | 2841.94 | 554034 | 43676 | 50985 | 48247 |
| 2.3 IMPS | 56249.68 | 5167.51 | 4636.60 | 4481.05 | 7139110 | 577794 | 640867 | 606356 |
| 2.4 NACH Cr $ | 16938.86 | 1311.11 | 1243.57 | 1325.97 | 1670223 | 113888 | 147380 | 134188 |
| 2.5 NEFT | 96198.05 | 7307.34 | 8215.47 | 7920.52 | 44361464 | 3331461 | 3793103 | 3764742 |
| 2.6 UPI @ | 1858660.25 | 138851.42 | 186774.60 | 183950.06 | 26056955 | 2007081 | 2514297 | 2403931 |
| 2.6.1 of which USSD @ | 17.24 | 1.41 | 1.79 | 1.18 | 185 | 15 | 33 | 21 |
| 3 Debit Transfers and Direct Debits | 21659.95 | 1697.73 | 1895.74 | 1891.36 | 2208583 | 171469 | 206368 | 210754 |
| 3.1 BHIM Aadhaar Pay @ | 230.08 | 21.07 | 19.51 | 18.27 | 6907 | 581 | 641 | 615 |
| 3.2 NACH Dr $ | 19762.28 | 1544.59 | 1723.65 | 1728.39 | 2199327 | 170756 | 205535 | 209956 |
| 3.3 NETC (linked to bank account) @ | 1667.59 | 132.07 | 152.58 | 144.70 | 2349 | 132 | 192 | 183 |
| 4 Card Payments | 63861.15 | 5003.43 | 5827.40 | 5672.82 | 2605110 | 200081 | 226810 | 218552 |
| 4.1 Credit Cards | 47740.76 | 3579.49 | 4676.93 | 4587.10 | 2109197 | 158822 | 189832 | 183088 |
| 4.1.1 PoS based $ | 24571.10 | 1895.40 | 2359.14 | 2338.70 | 795022 | 59417 | 69607 | 67468 |
| 4.1.2 Others $ | 23169.66 | 1684.10 | 2317.79 | 2248.41 | 1314175 | 99405 | 120224 | 115620 |
| 4.2 Debit Cards | 16120.39 | 1423.94 | 1150.47 | 1085.72 | 495914 | 41259 | 36978 | 35463 |
| 4.2.1 PoS based $ | 11980.33 | 1063.58 | 861.57 | 812.90 | 332556 | 27629 | 24735 | 23079 |
| 4.2.2 Others $ | 4140.06 | 360.36 | 288.90 | 272.82 | 163358 | 13629 | 12243 | 12384 |
| 5 Prepaid Payment Instruments | 70254.08 | 5236.08 | 7106.39 | 6868.39 | 216751 | 15897 | 20722 | 20740 |
| 5.1 Wallets | 52898.40 | 4038.05 | 5474.25 | 5338.82 | 154066 | 11298 | 16668 | 17308 |
| 5.2 Cards | 17355.68 | 1198.03 | 1632.13 | 1529.57 | 62686 | 4599 | 4053 | 3432 |
| 5.2.1 PoS based $ | 8240.14 | 650.89 | 650.54 | 595.05 | 11512 | 946 | 981 | 888 |
| 5.2.2 Others $ | 9115.54 | 547.14 | 981.59 | 934.51 | 51174 | 3653 | 3072 | 2544 |
| 6 Paper-based Instruments | 6095.38 | 484.42 | 481.93 | 447.43 | 7113350 | 553834 | 596239 | 550176 |
| 6.1 CTS (NPCI Managed) | 6095.38 | 484.42 | 481.93 | 447.43 | 7113350 | 553834 | 596239 | 550176 |
| 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 | 167988.69 | 218968.18 | 215399.84 | 91925771 | 7015198 | 8196787 | 7957700 |
| Total Payments (1+2+3+4+5+6) | 2225910.01 | 168220.52 | 219242.89 | 215654.72 | 293313453 | 23052892 | 25210557 | 26970060 |
| Total Digital Payments (1+2+3+4+5) | 2219814.63 | 167736.10 | 218760.96 | 215207.29 | 286200103 | 22499058 | 24614318 | 26419884 |
| PART II - Payment Modes and Channels | ||||||||
|---|---|---|---|---|---|---|---|---|
| Volume (lakh) | Value (₹ crore) | |||||||
| FY 2024-25 | 2024 June | 2025 | 2025 | FY 2024-25 | 2024 June | 2025 | 2025 | |
| May | June | May | June | |||||
| 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
| A. Other Payment Channels | ||||||||
| 1 Mobile Payments (mobile app based) | 1756976.91 | 132846.07 | 173238.90 | 170054.63 | 39206221 | 3029193 | 3641750 | 3385251 |
| 1.1 Intra-bank $ | 110801.96 | 8784.73 | 9743.77 | 8974.93 | 7207439 | 557266 | 638772 | 529331 |
| 1.2 Inter-bank $ | 1646174.95 | 124061.34 | 163495.14 | 161079.71 | 31998782 | 2471927 | 3002978 | 2855919 |
| 2 Internet Payments (Netbanking / internet browser based) @ | 47478.09 | 3780.42 | 3668.66 | 3635.82 | 131858133 | 10487118 | 11661241 | 12824960 |
| 2.1 Intra-bank @ | 13056.37 | 1029.33 | 851.54 | 839.90 | 69086996 | 5573973 | 6068349 | 6918867 |
| 2.2 Inter-bank @ | 34421.72 | 2751.09 | 2817.12 | 2795.92 | 62771136 | 4913144 | 5592892 | 5906093 |
| B. ATMs | ||||||||
| 3. Cash Withdrawal at ATMs $ | 60308.11 | 5076.57 | 4604.61 | 4382.08 | 3063077 | 255229 | 246201 | 229907 |
| 3.1 Using Credit Cards $ | 97.25 | 8.29 | 6.70 | 6.28 | 5084 | 426 | 370 | 345 |
| 3.2 Using Debit Cards $ | 59965.70 | 5045.81 | 4579.88 | 4358.58 | 3046987 | 253844 | 244945 | 228735 |
| 3.3 Using Pre-paid Cards $ | 245.16 | 22.47 | 18.03 | 17.22 | 11005 | 959 | 886 | 827 |
| 4. Cash Withdrawal at PoS $ | 3.58 | 0.28 | 0.15 | 0.14 | 37 | 3 | 2 | 1 |
| 4.1 Using Debit Cards $ | 3.33 | 0.27 | 0.13 | 0.11 | 35 | 3 | 1 | 1 |
| 4.2 Using Pre-paid Cards $ | 0.25 | 0.02 | 0.03 | 0.02 | 3 | 0 | 0 | 0 |
| 5. Cash Withdrawal at Micro ATMs @ | 11640.55 | 973.79 | 1017.25 | 944.62 | 296622 | 24426 | 27668 | 25646 |
| 5.1 AePS @ | 11640.55 | 973.79 | 1017.25 | 944.62 | 296622 | 24426 | 27668 | 25646 |
| PART III - Payment Infrastructures (lakh) | ||||
|---|---|---|---|---|
| As on March 2025 | 2024 June | 2025 | 2025 | |
| May | June | |||
| 1 | 2 | 3 | 4 | |
| Payment System Infrastructures | ||||
| 1 Number of Cards | 11006.97 | 10662.37 | 11115.67 | 11163.78 |
| 1.1 Credit Cards | 1098.85 | 1038.13 | 1111.98 | 1111.97 |
| 1.2 Debit Cards | 9908.12 | 9624.24 | 10003.70 | 10051.80 |
| 2 Number of PPIs @ | 13396.53 | 15051.30 | 13513.51 | 13520.65 |
| 2.1 Wallets @ | 8673.62 | 11375.61 | 8692.12 | 8681.92 |
| 2.2 Cards @ | 4722.91 | 3675.69 | 4821.38 | 4838.73 |
| 3 Number of ATMs and CRMs | 2.56 | 2.56 | 2.57 | 2.51 |
| 3.1 Bank owned ATMs$ and CRMs# | 2.20 | 2.21 | 2.21 | 2.15 |
| 3.2 White Label ATMs $ | 0.36 | 0.35 | 0.36 | 0.36 |
| 4 Number of Micro ATMs @ | 14.82 | 15.25 | 14.78 | 14.59 |
| 5 Number of PoS Terminals | 110.98 | 89.67 | 115.89 | 117.91 |
| 6 Bharat QR @ | 67.18 | 61.64 | 66.64 | 67.21 |
| 7 UPI QR * | 6579.30 | 5770.15 | 6698.20 | 6782.51 |
| 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 | |
| May | June | May | June | |
| 1. Card Payments | 141.55 | 138.64 | 10482 | 10434 |
| 1.1 Credit Cards | 91.96 | 91.46 | 8221 | 8251 |
| 1.1.1 PoS based | 39.59 | 40.33 | 2725 | 3024 |
| 1.1.2 Online | 52.37 | 51.13 | 5496 | 5228 |
| 1.2 Debit Cards | 49.60 | 47.18 | 2261 | 2182 |
| 1.2.1 PoS based | 25.08 | 23.37 | 839 | 837 |
| 1.2.2 Online | 24.52 | 23.80 | 1421 | 1345 |
| 2. Prepaid Payment Instruments | 38.51 | 38.54 | 1576 | 1653 |
| 2.1 PoS based | 33.64 | 33.92 | 1295 | 1393 |
| 2.2 Online | 4.86 | 4.62 | 281 | 260 |
| 3. Cash Withdrawal at ATMs | 6.10 | 5.57 | 1346 | 1227 |
| 3.1 Using Credit Cards | 0.45 | 0.44 | 80 | 82 |
| 3.2 Using Debit Cards | 3.86 | 3.47 | 659 | 591 |
| 3.3 Using PPIs | 1.80 | 1.65 | 607 | 554 |
| Total International Payments | 186.17 | 182.74 | 13404 | 13313 |
| 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 |
| 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. |
||||
| Payment System Indicators | ||||||||
|---|---|---|---|---|---|---|---|---|
| PART I - Payment System Indicators - Payment & Settlement System Statistics | ||||||||
| Volume (lakh) | Value (₹ crore) | |||||||
| FY 2024-25 | 2024 June | 2025 | 2025 | FY 2024-25 | 2024 June | 2025 | 2025 | |
| May | June | May | June | |||||
| 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
| A. Settlement Systems | ||||||||
| Financial Market Infrastructures (FMIs) | ||||||||
| 1 CCIL Operated Systems | 47.40 | 4.36 | 5.48 | 5.30 | 296218030 | 22580094 | 29656042 | 30959727 |
| 1.1 Govt. Securities Clearing | 17.87 | 1.60 | 1.94 | 1.77 | 185733719 | 15107943 | 17500816 | 17946468 |
| 1.1.1 Outright | 10.56 | 0.97 | 1.28 | 1.05 | 16056018 | 1372786 | 1875057 | 1611829 |
| 1.1.2 Repo | 4.72 | 0.42 | 0.45 | 0.51 | 77286611 | 6414226 | 7645792 | 7894091 |
| 1.1.3 Tri-party Repo | 2.58 | 0.21 | 0.21 | 0.21 | 92391091 | 7320931 | 7979967 | 8440549 |
| 1.2 Forex Clearing | 28.06 | 2.67 | 3.44 | 3.39 | 100639565 | 6953169 | 11363617 | 11968143 |
| 1.3 Rupee Derivatives @ | 1.46 | 0.09 | 0.10 | 0.14 | 9844746 | 518982 | 791608 | 1045117 |
| B. Payment Systems | ||||||||
| I Financial Market Infrastructures (FMIs) | ||||||||
| 1 Credit Transfers - RTGS | 3024.55 | 231.84 | 274.71 | 254.88 | 201387682 | 16037694 | 17013770 | 19012360 |
| 1.1 Customer Transactions | 3010.32 | 230.72 | 273.46 | 253.73 | 181153129 | 14570686 | 15219873 | 16983278 |
| 1.2 Interbank Transactions | 14.23 | 1.12 | 1.25 | 1.15 | 20234553 | 1467008 | 1793897 | 2029082 |
| II Retail | ||||||||
| 2 Credit Transfers - Retail | 2061014.91 | 155567.02 | 203656.72 | 200519.84 | 79781976 | 6073917 | 7146649 | 6957478 |
| 2.1 AePS (Fund Transfers) @ | 3.64 | 0.30 | 0.31 | 0.30 | 190 | 16 | 17 | 16 |
| 2.2 APBS $ | 32964.43 | 2929.34 | 2786.17 | 2841.94 | 554034 | 43676 | 50985 | 48247 |
| 2.3 IMPS | 56249.68 | 5167.51 | 4636.60 | 4481.05 | 7139110 | 577794 | 640867 | 606356 |
| 2.4 NACH Cr $ | 16938.86 | 1311.11 | 1243.57 | 1325.97 | 1670223 | 113888 | 147380 | 134188 |
| 2.5 NEFT | 96198.05 | 7307.34 | 8215.47 | 7920.52 | 44361464 | 3331461 | 3793103 | 3764742 |
| 2.6 UPI @ | 1858660.25 | 138851.42 | 186774.60 | 183950.06 | 26056955 | 2007081 | 2514297 | 2403931 |
| 2.6.1 of which USSD @ | 17.24 | 1.41 | 1.79 | 1.18 | 185 | 15 | 33 | 21 |
| 3 Debit Transfers and Direct Debits | 21659.95 | 1697.73 | 1895.74 | 1891.36 | 2208583 | 171469 | 206368 | 210754 |
| 3.1 BHIM Aadhaar Pay @ | 230.08 | 21.07 | 19.51 | 18.27 | 6907 | 581 | 641 | 615 |
| 3.2 NACH Dr $ | 19762.28 | 1544.59 | 1723.65 | 1728.39 | 2199327 | 170756 | 205535 | 209956 |
| 3.3 NETC (linked to bank account) @ | 1667.59 | 132.07 | 152.58 | 144.70 | 2349 | 132 | 192 | 183 |
| 4 Card Payments | 63861.15 | 5003.43 | 5827.40 | 5672.82 | 2605110 | 200081 | 226810 | 218552 |
| 4.1 Credit Cards | 47740.76 | 3579.49 | 4676.93 | 4587.10 | 2109197 | 158822 | 189832 | 183088 |
| 4.1.1 PoS based $ | 24571.10 | 1895.40 | 2359.14 | 2338.70 | 795022 | 59417 | 69607 | 67468 |
| 4.1.2 Others $ | 23169.66 | 1684.10 | 2317.79 | 2248.41 | 1314175 | 99405 | 120224 | 115620 |
| 4.2 Debit Cards | 16120.39 | 1423.94 | 1150.47 | 1085.72 | 495914 | 41259 | 36978 | 35463 |
| 4.2.1 PoS based $ | 11980.33 | 1063.58 | 861.57 | 812.90 | 332556 | 27629 | 24735 | 23079 |
| 4.2.2 Others $ | 4140.06 | 360.36 | 288.90 | 272.82 | 163358 | 13629 | 12243 | 12384 |
| 5 Prepaid Payment Instruments | 70254.08 | 5236.08 | 7106.39 | 6868.39 | 216751 | 15897 | 20722 | 20740 |
| 5.1 Wallets | 52898.40 | 4038.05 | 5474.25 | 5338.82 | 154066 | 11298 | 16668 | 17308 |
| 5.2 Cards | 17355.68 | 1198.03 | 1632.13 | 1529.57 | 62686 | 4599 | 4053 | 3432 |
| 5.2.1 PoS based $ | 8240.14 | 650.89 | 650.54 | 595.05 | 11512 | 946 | 981 | 888 |
| 5.2.2 Others $ | 9115.54 | 547.14 | 981.59 | 934.51 | 51174 | 3653 | 3072 | 2544 |
| 6 Paper-based Instruments | 6095.38 | 484.42 | 481.93 | 447.43 | 7113350 | 553834 | 596239 | 550176 |
| 6.1 CTS (NPCI Managed) | 6095.38 | 484.42 | 481.93 | 447.43 | 7113350 | 553834 | 596239 | 550176 |
| 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 | 167988.69 | 218968.18 | 215399.84 | 91925771 | 7015198 | 8196787 | 7957700 |
| Total Payments (1+2+3+4+5+6) | 2225910.01 | 168220.52 | 219242.89 | 215654.72 | 293313453 | 23052892 | 25210557 | 26970060 |
| Total Digital Payments (1+2+3+4+5) | 2219814.63 | 167736.10 | 218760.96 | 215207.29 | 286200103 | 22499058 | 24614318 | 26419884 |
| PART II - Payment Modes and Channels | ||||||||
|---|---|---|---|---|---|---|---|---|
| Volume (lakh) | Value (₹ crore) | |||||||
| FY 2024-25 | 2024 June | 2025 | 2025 | FY 2024-25 | 2024 June | 2025 | 2025 | |
| May | June | May | June | |||||
| 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
| A. Other Payment Channels | ||||||||
| 1 Mobile Payments (mobile app based) | 1756976.91 | 132846.07 | 173238.90 | 170054.63 | 39206221 | 3029193 | 3641750 | 3385251 |
| 1.1 Intra-bank $ | 110801.96 | 8784.73 | 9743.77 | 8974.93 | 7207439 | 557266 | 638772 | 529331 |
| 1.2 Inter-bank $ | 1646174.95 | 124061.34 | 163495.14 | 161079.71 | 31998782 | 2471927 | 3002978 | 2855919 |
| 2 Internet Payments (Netbanking / internet browser based) @ | 47478.09 | 3780.42 | 3668.66 | 3635.82 | 131858133 | 10487118 | 11661241 | 12824960 |
| 2.1 Intra-bank @ | 13056.37 | 1029.33 | 851.54 | 839.90 | 69086996 | 5573973 | 6068349 | 6918867 |
| 2.2 Inter-bank @ | 34421.72 | 2751.09 | 2817.12 | 2795.92 | 62771136 | 4913144 | 5592892 | 5906093 |
| B. ATMs | ||||||||
| 3. Cash Withdrawal at ATMs $ | 60308.11 | 5076.57 | 4604.61 | 4382.08 | 3063077 | 255229 | 246201 | 229907 |
| 3.1 Using Credit Cards $ | 97.25 | 8.29 | 6.70 | 6.28 | 5084 | 426 | 370 | 345 |
| 3.2 Using Debit Cards $ | 59965.70 | 5045.81 | 4579.88 | 4358.58 | 3046987 | 253844 | 244945 | 228735 |
| 3.3 Using Pre-paid Cards $ | 245.16 | 22.47 | 18.03 | 17.22 | 11005 | 959 | 886 | 827 |
| 4. Cash Withdrawal at PoS $ | 3.58 | 0.28 | 0.15 | 0.14 | 37 | 3 | 2 | 1 |
| 4.1 Using Debit Cards $ | 3.33 | 0.27 | 0.13 | 0.11 | 35 | 3 | 1 | 1 |
| 4.2 Using Pre-paid Cards $ | 0.25 | 0.02 | 0.03 | 0.02 | 3 | 0 | 0 | 0 |
| 5. Cash Withdrawal at Micro ATMs @ | 11640.55 | 973.79 | 1017.25 | 944.62 | 296622 | 24426 | 27668 | 25646 |
| 5.1 AePS @ | 11640.55 | 973.79 | 1017.25 | 944.62 | 296622 | 24426 | 27668 | 25646 |
| PART III - Payment Infrastructures (lakh) | ||||
|---|---|---|---|---|
| As on March 2025 | 2024 June | 2025 | 2025 | |
| May | June | |||
| 1 | 2 | 3 | 4 | |
| Payment System Infrastructures | ||||
| 1 Number of Cards | 11006.97 | 10662.37 | 11115.67 | 11163.78 |
| 1.1 Credit Cards | 1098.85 | 1038.13 | 1111.98 | 1111.97 |
| 1.2 Debit Cards | 9908.12 | 9624.24 | 10003.70 | 10051.80 |
| 2 Number of PPIs @ | 13396.53 | 15051.30 | 13513.51 | 13520.65 |
| 2.1 Wallets @ | 8673.62 | 11375.61 | 8692.12 | 8681.92 |
| 2.2 Cards @ | 4722.91 | 3675.69 | 4821.38 | 4838.73 |
| 3 Number of ATMs and CRMs | 2.56 | 2.56 | 2.57 | 2.51 |
| 3.1 Bank owned ATMs$ and CRMs# | 2.20 | 2.21 | 2.21 | 2.15 |
| 3.2 White Label ATMs $ | 0.36 | 0.35 | 0.36 | 0.36 |
| 4 Number of Micro ATMs @ | 14.82 | 15.25 | 14.78 | 14.59 |
| 5 Number of PoS Terminals | 110.98 | 89.67 | 115.89 | 117.91 |
| 6 Bharat QR @ | 67.18 | 61.64 | 66.64 | 67.21 |
| 7 UPI QR * | 6579.30 | 5770.15 | 6698.20 | 6782.51 |
| 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 | |
| May | June | May | June | |
| 1. Card Payments | 141.55 | 138.64 | 10482 | 10434 |
| 1.1 Credit Cards | 91.96 | 91.46 | 8221 | 8251 |
| 1.1.1 PoS based | 39.59 | 40.33 | 2725 | 3024 |
| 1.1.2 Online | 52.37 | 51.13 | 5496 | 5228 |
| 1.2 Debit Cards | 49.60 | 47.18 | 2261 | 2182 |
| 1.2.1 PoS based | 25.08 | 23.37 | 839 | 837 |
| 1.2.2 Online | 24.52 | 23.80 | 1421 | 1345 |
| 2. Prepaid Payment Instruments | 38.51 | 38.54 | 1576 | 1653 |
| 2.1 PoS based | 33.64 | 33.92 | 1295 | 1393 |
| 2.2 Online | 4.86 | 4.62 | 281 | 260 |
| 3. Cash Withdrawal at ATMs | 6.10 | 5.57 | 1346 | 1227 |
| 3.1 Using Credit Cards | 0.45 | 0.44 | 80 | 82 |
| 3.2 Using Debit Cards | 3.86 | 3.47 | 659 | 591 |
| 3.3 Using PPIs | 1.80 | 1.65 | 607 | 554 |
| Total International Payments | 186.17 | 182.74 | 13404 | 13313 |
| 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 |
| 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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