Payment System Indicators - October 2025

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Payment System Indicators - October 2025

வெளியிடப்பட்ட தேதி அக்டோபர் - 2025

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பிடிஎஃப் (125143)

எக்செல் (504284)

Payment System Indicators - October 2025

Payment System Indicators

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

Volume (lakh)

Value (₹ crore)

FY 2024-25

2024 October

2025

FY 2024-25

2024 October

2025

September

October

September

October

A. Settlement Systems

Financial Market Infrastructures (FMIs)

1 CCIL Operated Systems

47.40

3.59

4.95

4.25

296218030

25730864

30270023

30434601

1.1 Govt. Securities Clearing

17.87

1.69

1.75

1.63

185733719

16664120

18003263

18365111

1.1.1 Outright

10.56

1.04

0.95

16056018

1626397

1499643

1439939

1.1.2 Repo

4.72

0.41

0.48

0.46

77286611

6573748

7926471

8365990

1.1.3 Tri-party Repo

2.58

0.23

92391091

8463975

8577149

8559182

1.2 Forex Clearing

28.06

1.74

3.11

2.51

100639565

8046345

11417001

11161871

1.3 Rupee Derivatives @

1.46

0.16

0.09

0.11

9844746

1020399

849759

907620

B. Payment Systems

I Financial Market Infrastructures (FMIs)

1 Credit Transfers - RTGS

3024.55

267.92

280.83

296.76

201387682

17070975

19836942

18732702

1.1 Customer Transactions

3010.32

266.69

279.64

295.56

181153129

15418778

18220475

17108666

1.2 Interbank Transactions

14.23

1.23

1.19

1.20

20234553

1652197

1616467

1624036

II Retail

2 Credit Transfers - Retail

2061014.91

185187.17

213074.92

224318.23

79881976

7358283

7543380

7851867

2.1 AePS (Fund Transfers) @

3.64

0.31

0.26

0.27

190

2.2 APBS $

32964.43

4021.91

2542.90

2745.64

554034

69157

41746

43353

2.3 IMPS

56249.68

4668.23

3943.79

4035.88

7139110

629382

596847

641964

2.4 NACH Cr $

16938.86

1463.68

1850.43

1736.26

1670223

157479

149729

165141

2.5 NEFT

96198.05

9183.38

8403.21

8790.97

44461464

4152428

4265310

4273608

2.6 UPI @

1858660.25

165849.66

196334.33

207009.21

26056955

2349821

2489737

2727791

2.6.1 of which USSD @

17.24

1.64

0.94

1.14

185

3 Debit Transfers and Direct Debits

21659.95

1871.73

1926.97

1964.66

2208583

189818

222919

223881

3.1 BHIM Aadhaar Pay @

230.08

24.54

18.90

20.58

6907

773

591

661

3.2 NACH Dr $

19762.28

1710.21

1786.47

1812.26

2199327

188844

222164

223048

3.3 NETC (linked to bank account) @

1667.59

136.98

121.60

131.82

2349

202

164

172

4 Card Payments

63861.15

5759.31

5999.80

6279.14

2605110

248619

253483

256373

4.1 Credit Cards

47740.76

4332.14

4952.41

5182.90

2109197

201789

216707

214230

4.1.1 PoS based $

24571.10

2196.73

2416.15

2609.42

795022

79293

72544

88357

4.1.2 Others $

23169.66

2135.41

2536.26

2573.48

1314175

122496

144163

125873

4.2 Debit Cards

16120.39

1427.17

1047.39

1096.25

495914

46830

36776

42143

4.2.1 PoS based $

11980.33

1060.17

777.56

828.79

332556

32091

22773

29104

4.2.2 Others $

4140.06

367.00

269.83

267.46

163358

14738

14003

13039

5 Prepaid Payment Instruments

70254.08

5977.88

8551.51

8939.26

216751

20419

22637

24227

5.1 Wallets

52898.40

4425.20

6871.58

7281.56

154066

13074

17183

18515

5.2 Cards

17355.68

1552.68

1679.93

1657.70

62686

7345

5454

5712

5.2.1 PoS based $

8240.14

718.88

688.72

649.16

11512

981

1092

1274

5.2.2 Others $

9115.54

833.81

991.22

1008.54

51174

6365

4362

4437

6 Paper-based Instruments

6095.38

546.98

464.86

452.12

7113350

624057

570467

574554

6.1 CTS (NPCI Managed)

6095.38

546.98

464.86

452.12

7113350

624057

570467

574554

6.2 Others

0.00

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

2222885.46

199343.07

230018.06

241953.42

92025771

8441196

8612885

8930903

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

2225910.01

199610.99

230298.89

242250.18

293413453

25512171

28449827

27663605

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

2219814.63

199064.01

229834.03

241798.06

286300103

24888114

27879360

27089051

PART II - Payment Modes and Channels

Volume (lakh)

Value (₹ crore)

FY 2024-25

2024 October

2025

FY 2024-25

2024 October

2025

September

October

September

October

A. Other Payment Channels

1 Mobile Payments (mobile app based)

1756976.91

154876.80

181008.61

190876.05

39206221

3532243

3618114

3928495.79

1.1 Intra-bank $

110801.96

9126.58

10469.49

10981.41

7207439

657333

633733

687557

1.2 Inter-bank $

1646174.95

145750.22

170539.12

179894.64

31998782

2874910

2984381

3240939

2 Internet Payments (Netbanking / internet browser based) @

47478.09

4259.90

3755.37

3803.42

131858133

11281098

13654298

13199799

2.1 Intra-bank @

13056.37

1152.19

853.80

872.08

69086996

5801815

7091903

6840494

2.2 Inter-bank @

34421.72

3107.71

2901.57

2931.34

62771136

5479282

6562395

6359305

B. ATMs

3. Cash Withdrawal at ATMs $

60308.11

5545.04

4395.48

4661.98

3063077

285506

230952

251643

3.1 Using Credit Cards $

97.25

8.32

6.69

7.12

5084

444

369

404

3.2 Using Debit Cards $

59965.70

5515.23

4370.90

4636.34

3046987

284076

229713

250321

3.3 Using Pre-paid Cards $

245.16

21.49

17.89

18.53

11005

985

870

917

4. Cash Withdrawal at PoS $

3.58

0.29

0.12

0.15

4.1 Using Debit Cards $

3.33

0.28

0.10

0.13

4.2 Using Pre-paid Cards $

0.25

0.01

0.02

5. Cash Withdrawal at Micro ATMs @

11640.55

1227.30

1034.96

1084.34

296622

31480

26356

29379

5.1 AePS @

11640.55

1227.30

1034.96

1084.34

296622

31480

26356

29379

PART III - Payment Infrastructures (lakh)

As on March 2025

2024 October

2025

September

October

Payment System Infrastructures

1 Number of Cards

11006.97

10878.00

11381.99

11411.69

1.1 Credit Cards

1098.85

1068.90

1133.90

1140.18

1.2 Debit Cards

9908.12

9809.11

10248.09

10271.50

2 Number of PPIs @

13401.46

15503.38

16180.40

17710.95

2.1 Wallets @

8678.44

11439.31

11478.95

12993.66

2.2 Cards @

4723.02

4064.07

4701.45

4717.28

3 Number of ATMs and CRMs

2.56

2.49

2.50

3.1 Bank owned ATMs$ and CRMs#

2.20

2.21

2.12

2.13

3.2 White Label ATMs $

0.36

0.35

0.37

4 Number of Micro ATMs @

14.82

14.51

14.60

14.65

5 Number of PoS Terminals

110.98

95.09

121.24

123.17

6 Bharat QR @

67.18

64.31

60.95

60.73

7 UPI QR *

6579.30

6168.52

7090.66

7175.25

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

September

October

September

October

1. Card Payments

136.04

145.70

10212

10097

1.1 Credit Cards

87.55

91.24

7821

7695

1.1.1 PoS based

36.09

38.35

2547

2671

1.1.2 Online

51.46

52.89

5274

5024

1.2 Debit Cards

48.48

54.46

2391

2403

1.2.1 PoS based

23.55

27.89

799

918

1.2.2 Online

24.93

26.57

1592

1485

2. Prepaid Payment Instruments

35.26

36.27

1463

1390

2.1 PoS based

30.33

31.28

1153

1122

2.2 Online

4.93

4.99

309

268

3. Cash Withdrawal at ATMs

5.32

6.00

1299

1399

3.1 Using Credit Cards

0.42

0.47

3.2 Using Debit Cards

3.29

3.84

631

725

3.3 Using PPIs

1.61

1.69

591

585

Total International Payments

176.62

187.97

12974

12886

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

@: 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.