Payment System Indicators - November 2025

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Payment System Indicators - November 2025

ਪ੍ਰਕਾਸ਼ਿਤ ਤਾਰੀਖ ਨਵੰਬਰ - 2025

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ਪੀਡੀਐਫ (441275)

ਐਕਸਲ (504905)

Payment System Indicators - November 2025

Payment System Indicators

PART I - Payment System Indicators - Payment & Settlement System Statistics

Volume (lakh)

Value (₹ crore)

FY 2024-25

2024 November

2025

FY 2024-25

2024 November

2025

October

November

October

November

A. Settlement Systems

Financial Market Infrastructures (FMIs)

1 CCIL Operated Systems

47.40

2.61

4.25

4.08

296218030

20592498

30434601

28209256

1.1 Govt. Securities Clearing

17.87

1.10

1.63

1.53

185733719

13954925

18365111

17161813

1.1.1 Outright

10.56

0.54

0.95

0.88

16056018

847485

1439939

1226375

1.1.2 Repo

4.72

0.35

0.46

0.44

77286611

5366007

8365990

7838569

1.1.3 Tri-party Repo

2.58

0.20

0.23

0.21

92391091

7741434

8559182

8096869

1.2 Forex Clearing

28.06

1.40

2.51

2.46

100639565

5972544

11161871

10100567

1.3 Rupee Derivatives @

1.46

0.11

0.08

9844746

665029

907620

946876

B. Payment Systems

I Financial Market Infrastructures (FMIs)

1 Credit Transfers - RTGS

3024.55

240.29

296.76

284.89

201387682

14826882

18732702

16881605

1.1 Customer Transactions

3010.32

239.16

295.56

283.75

181153129

13504833

17108666

15505696

1.2 Interbank Transactions

14.23

1.12

1.20

1.14

20234553

1322050

1624036

1375908

II Retail

2 Credit Transfers - Retail

2061014.91

170358.50

224318.23

221600.52

79881976

6274182

7851867

7313610

2.1 AePS (Fund Transfers) @

3.64

0.30

0.27

0.26

190

2.2 APBS $

32964.43

2250.97

2745.64

3375.31

554034

32384

43353

69483

2.3 IMPS

56249.68

4079.18

4035.88

3689.31

7139110

558328

641964

615177

2.4 NACH Cr $

16938.86

1438.33

1736.26

1690.81

1670223

147385

165141

163208

2.5 NEFT

96198.05

7769.51

8790.97

8175.04

44461464

3380884

4273608

3834099

2.6 UPI @

1858660.25

154820.21

207009.21

204669.79

26056955

2155187

2727791

2631633

2.6.1 of which USSD @

17.24

1.56

1.14

0.56

185

3 Debit Transfers and Direct Debits

21659.95

1894.74

1964.66

1987.04

2208583

185643

223881

226304

3.1 BHIM Aadhaar Pay @

230.08

19.29

20.58

19.28

6907

629

661

609

3.2 NACH Dr $

19762.28

1732.94

1812.26

1835.73

2199327

184814

223048

225517

3.3 NETC (linked to bank account) @

1667.59

142.51

131.82

132.03

2349

200

172

178

4 Card Payments

63861.15

5167.93

6279.14

6041.95

2605110

208308

256373

222942

4.1 Credit Cards

47740.76

3936.04

5182.90

5029.84

2109197

169298

214230

188799

4.1.1 PoS based $

24571.10

2036.02

2609.42

2538.40

795022

68233

88357

75640

4.1.2 Others $

23169.66

1900.02

2573.48

2491.45

1314175

101065

125873

113159

4.2 Debit Cards

16120.39

1231.89

1096.25

1012.11

495914

39010

42143

34143

4.2.1 PoS based $

11980.33

916.24

828.79

763.31

332556

26677

29104

22754

4.2.2 Others $

4140.06

315.65

267.46

248.80

163358

12333

13039

11389

5 Prepaid Payment Instruments

70254.08

5847.81

8939.26

8973.35

216751

19214

24227

24639

5.1 Wallets

52898.40

4462.09

7281.56

7347.33

154066

13130

18515

19265

5.2 Cards

17355.68

1385.72

1657.70

1626.02

62686

6083

5712

5374

5.2.1 PoS based $

8240.14

663.27

649.16

682.35

11512

915

1274

1365

5.2.2 Others $

9115.54

722.45

1008.54

943.66

51174

5168

4437

4010

6 Paper-based Instruments

6095.38

472.48

452.12

448.60

7113350

537849

574554

570251

6.1 CTS (NPCI Managed)

6095.38

472.48

452.12

448.60

7113350

537849

574554

570251

6.2 Others

0.00

Total Retail Payments (2+3+4+5+6)

2222885.46

183741.46

241953.42

239051.46

92025771

7225196

8930903

8357746

Total Payments (1+2+3+4+5+6)

2225910.01

183981.74

242250.18

239336.34

293413453

22052079

27663605

25239350

Total Digital Payments (1+2+3+4+5)

2219814.63

183509.26

241798.06

238887.74

286300103

21514230

27089051

24669100

PART II - Payment Modes and Channels

Volume (lakh)

Value (₹ crore)

FY 2024-25

2024 November

2025

FY 2024-25

2024 November

2025

October

November

October

November

A. Other Payment Channels

1 Mobile Payments (mobile app based)

1756976.91

144940.69

190010.12

187787.15

39206221

3215536

3908175

3769435

1.1 Intra-bank $

110801.96

8518.57

10880.39

10306.94

7207439

598559

685229

637713

1.2 Inter-bank $

1646174.95

136422.12

179129.73

177480.21

31998782

2616978

3222946

3131722

2 Internet Payments (Netbanking / internet browser based) @

47478.09

3659.77

3803.42

3527.10

131858133

9925228

13199799

11864143

2.1 Intra-bank @

13056.37

1025.12

872.08

809.63

69086996

5097948

6840494

6241771

2.2 Inter-bank @

34421.72

2634.64

2931.34

2717.48

62771136

4827279

6359305

5622372

B. ATMs

3. Cash Withdrawal at ATMs $

60308.11

4760.71

4661.98

4404.78

3063077

241717

251643

235313

3.1 Using Credit Cards $

97.25

7.75

7.12

6.72

5084

410

404

378

3.2 Using Debit Cards $

59965.70

4734.61

4636.34

4380.23

3046987

240471

250321

234055

3.3 Using Pre-paid Cards $

245.16

18.35

18.53

17.83

11005

837

917

880

4. Cash Withdrawal at PoS $

3.58

0.28

0.15

0.14

4.1 Using Debit Cards $

3.33

0.27

0.13

0.12

4.2 Using Pre-paid Cards $

0.25

0.02

5. Cash Withdrawal at Micro ATMs @

11640.55

898.33

1084.34

1048.96

296622

22981

29379

27358

5.1 AePS @

11640.55

898.33

1084.34

1048.96

296622

22981

29379

27358

PART III - Payment Infrastructures (lakh)

As on March 2025

2024 November

2025

October

November

Payment System Infrastructures

1 Number of Cards

11006.97

10868.11

11411.69

11448.62

1.1 Credit Cards

1098.85

1072.40

1140.18

1148.66

1.2 Debit Cards

9908.12

9795.72

10271.50

10299.96

2 Number of PPIs @

13401.46

15627.20

17710.95

19107.13

2.1 Wallets @

8678.44

11463.53

12993.66

14410.18

2.2 Cards @

4723.02

4163.66

4717.28

4696.94

3 Number of ATMs and CRMs

2.56

2.55

2.50

2.51

3.1 Bank owned ATMs$ and CRMs#

2.20

2.13

3.2 White Label ATMs $

0.36

0.35

0.37

4 Number of Micro ATMs @

14.82

14.52

14.65

14.27

5 Number of PoS Terminals

110.98

96.91

123.08

112.54

6 Bharat QR @

67.18

63.60

60.48

59.53

7 UPI QR *

6579.30

6261.80

7175.25

7282.89

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

October

November

October

November

1. Card Payments

145.70

139.42

10097

9606

1.1 Credit Cards

91.24

87.66

7695

7436

1.1.1 PoS based

38.35

35.71

2671

2556

1.1.2 Online

52.89

51.95

5024

4880

1.2 Debit Cards

54.46

51.75

2403

2171

1.2.1 PoS based

27.89

25.51

918

797

1.2.2 Online

26.57

26.25

1485

1374

2. Prepaid Payment Instruments

36.27

31.55

1390

1221

2.1 PoS based

31.28

26.94

1122

989

2.2 Online

4.99

4.61

268

232

3. Cash Withdrawal at ATMs

6.00

5.54

1399

1211

3.1 Using Credit Cards

0.47

0.40

3.2 Using Debit Cards

3.84

3.59

725

628

3.3 Using PPIs

1.69

1.55

585

513

Total International Payments

187.97

176.51

12886

12038

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

October 2025

2.81

407

88209.52

0.146 bps

November 2025

2.42

356

101244.19

0.139 bps

@: New inclusion w.e.f. November 2019
#: Data reported by Co-operative Banks, LABs and RRBs included with effect from Dec 2021.
$ : Inclusion separately initiated from November 2019 - would have been part of other items hitherto.
*: New inclusion w.e.f. September 2020; Includes only static UPI QR Code
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.