Payment System Indicators - April 2025 - RBI - Reserve Bank of India
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Payment System Indicators - April 2025
| Payment System Indicators | ||||||||
| PART I - Payment System Indicators - Payment & Settlement System Statistics | ||||||||
| Volume (lakh) | Value (₹ crore) | |||||||
| FY 2024-25 | 2024 April |
2025 | 2025 | FY 2024-25 | 2024 April |
2025 | 2025 | |
| March | April | March | April | |||||
| 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
| A. Settlement Systems | ||||||||
| Financial Market Infrastructures (FMIs) | ||||||||
| 1 CCIL Operated Systems | 47.40 | 3.53 | 4.36 | 5.07 | 296218030 | 22115118 | 27936158 | 29399814 |
| 1.1 Govt. Securities Clearing | 17.87 | 1.25 | 1.33 | 1.89 | 185733719 | 14132535 | 15356048 | 16657576 |
| 1.1.1 Outright | 10.56 | 0.68 | 0.76 | 1.30 | 16056018 | 1023439 | 1297378 | 2017823 |
| 1.1.2 Repo | 4.72 | 0.38 | 0.36 | 0.38 | 77286611 | 6510577 | 6589738 | 7078422 |
| 1.1.3 Tri-party Repo | 2.58 | 0.19 | 0.21 | 0.20 | 92391091 | 6598519 | 7468932 | 7561331 |
| 1.2 Forex Clearing | 28.06 | 2.17 | 2.94 | 3.07 | 100639565 | 7343662 | 11758724 | 11992139 |
| 1.3 Rupee Derivatives @ | 1.46 | 0.11 | 0.09 | 0.11 | 9844746 | 638922 | 821387 | 750099 |
| B. Payment Systems | ||||||||
| I Financial Market Infrastructures (FMIs) | ||||||||
| 1 Credit Transfers - RTGS | 3024.55 | 235.59 | 307.03 | 262.41 | 201387682 | 14433296 | 21401969 | 16895789 |
| 1.1 Customer Transactions | 3010.32 | 234.46 | 305.71 | 261.16 | 181153129 | 12800746 | 19394683 | 15060026 |
| 1.2 Interbank Transactions | 14.23 | 1.12 | 1.32 | 1.24 | 20234553 | 1632550 | 2007287 | 1835763 |
| II Retail | ||||||||
| 2 Credit Transfers - Retail | 2061014.91 | 149083.29 | 202008.61 | 194925.94 | 79781976 | 5845989 | 8242601 | 7126205 |
| 2.1 AePS (Fund Transfers) @ | 3.64 | 0.29 | 0.31 | 0.30 | 190 | 19 | 16 | 16 |
| 2.2 APBS $ | 32964.43 | 2535.32 | 3506.60 | 2610.51 | 554034 | 36959 | 66841 | 57566 |
| 2.3 IMPS | 56249.68 | 5503.65 | 4616.39 | 4492.53 | 7139110 | 592279 | 667813 | 621666 |
| 2.4 NACH Cr $ | 16938.86 | 964.06 | 1861.26 | 1200.84 | 1670223 | 121718 | 176401 | 154683 |
| 2.5 NEFT | 96198.05 | 7040.03 | 9008.97 | 7687.52 | 44361464 | 3130549 | 4854308 | 3897348 |
| 2.6 UPI @ | 1858660.25 | 133039.94 | 183015.08 | 178934.24 | 26056955 | 1964465 | 2477222 | 2394926 |
| 2.6.1 of which USSD @ | 17.24 | 1.52 | 1.26 | 1.22 | 185 | 18 | 14 | 13 |
| 3 Debit Transfers and Direct Debits | 21659.95 | 1644.10 | 1891.35 | 1869.90 | 2208583 | 159006 | 211047 | 198565 |
| 3.1 BHIM Aadhaar Pay @ | 230.08 | 20.50 | 19.59 | 17.39 | 6907 | 563 | 611 | 601 |
| 3.2 NACH Dr $ | 19762.28 | 1494.37 | 1724.79 | 1709.27 | 2199327 | 158223 | 210246 | 197780 |
| 3.3 NETC (linked to bank account) @ | 1667.59 | 129.23 | 146.97 | 143.24 | 2349 | 220 | 191 | 184 |
| 4 Card Payments | 63861.15 | 4960.12 | 5789.52 | 5673.64 | 2605110 | 200409 | 240549 | 222351 |
| 4.1 Credit Cards | 47740.76 | 3441.51 | 4586.50 | 4502.70 | 2109197 | 156498 | 201494 | 184237 |
| 4.1.1 PoS based $ | 24571.10 | 1843.36 | 2302.66 | 2281.41 | 795022 | 61982 | 71473 | 67899 |
| 4.1.2 Others $ | 23169.66 | 1598.15 | 2283.84 | 2221.29 | 1314175 | 94516 | 130021 | 116338 |
| 4.2 Debit Cards | 16120.39 | 1518.61 | 1203.02 | 1170.93 | 495914 | 43911 | 39055 | 38113 |
| 4.2.1 PoS based $ | 11980.33 | 1126.31 | 895.82 | 875.30 | 332556 | 30022 | 25818 | 26187 |
| 4.2.2 Others $ | 4140.06 | 392.30 | 307.20 | 295.63 | 163358 | 13889 | 13237 | 11926 |
| 5 Prepaid Payment Instruments | 70254.08 | 5288.79 | 6783.69 | 6768.43 | 216751 | 14964 | 21465 | 21254 |
| 5.1 Wallets | 52898.40 | 3993.29 | 5061.17 | 5157.38 | 154066 | 10507 | 16077 | 15896 |
| 5.2 Cards | 17355.68 | 1295.49 | 1722.52 | 1611.04 | 62686 | 4457 | 5388 | 5358 |
| 5.2.1 PoS based $ | 8240.14 | 695.13 | 648.24 | 649.25 | 11512 | 962 | 1016 | 1093 |
| 5.2.2 Others $ | 9115.54 | 600.37 | 1074.28 | 961.79 | 51174 | 3495 | 4372 | 4265 |
| 6 Paper-based Instruments | 6095.38 | 525.73 | 531.76 | 494.77 | 7113350 | 667829 | 659873 | 645079 |
| 6.1 CTS (NPCI Managed) | 6095.38 | 525.73 | 531.76 | 494.77 | 7113350 | 667829 | 659873 | 645079 |
| 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 | 161502.02 | 217004.93 | 209732.67 | 91925771 | 6888198 | 9375535 | 8213454 |
| Total Payments (1+2+3+4+5+6) | 2225910.01 | 161737.61 | 217311.96 | 209995.08 | 293313453 | 21321494 | 30777505 | 25109243 |
| Total Digital Payments (1+2+3+4+5) | 2219814.63 | 161211.88 | 216780.20 | 209500.31 | 286200103 | 20653665 | 30117631 | 24464164 |
| PART II - Payment Modes and Channels | ||||||||
| Volume (lakh) | Value (₹ crore) | |||||||
| FY 2024-25 | 2024 April |
2025 | 2025 | FY 2024-25 | 2024 April |
2025 | 2025 | |
| March | April | March | April | |||||
| 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
| A. Other Payment Channels | ||||||||
| 1 Mobile Payments (mobile app based) | 1756976.91 | 127302.31 | 171174.23 | 165744.58 | 39206221 | 2962262 | 3769671 | 3498574 |
| 1.1 Intra-bank $ | 110801.96 | 8373.78 | 9863.76 | 9301.40 | 7207439 | 552044 | 670272 | 617100 |
| 1.2 Inter-bank $ | 1646174.95 | 118928.53 | 161310.47 | 156443.19 | 31998782 | 2410218 | 3099400 | 2881474 |
| 2 Internet Payments (Netbanking / internet browser based) @ | 47478.09 | 3796.75 | 4096.24 | 3642.69 | 131858133 | 9637480 | 13992340 | 11585683 |
| 2.1 Intra-bank @ | 13056.37 | 966.25 | 1009.09 | 837.78 | 69086996 | 5089149 | 7319249 | 6047105 |
| 2.2 Inter-bank @ | 34421.72 | 2830.50 | 3087.15 | 2804.91 | 62771136 | 4548332 | 6673091 | 5538579 |
| B. ATMs | ||||||||
| 3. Cash Withdrawal at ATMs $ | 60308.11 | 5240.40 | 4983.78 | 4602.65 | 3063077 | 265905 | 263892 | 244747 |
| 3.1 Using Credit Cards $ | 97.25 | 9.07 | 7.43 | 6.86 | 5084 | 458 | 410 | 373 |
| 3.2 Using Debit Cards $ | 59965.70 | 5207.60 | 4957.22 | 4578.06 | 3046987 | 264457 | 262540 | 243494 |
| 3.3 Using Pre-paid Cards $ | 245.16 | 23.73 | 19.13 | 17.73 | 11005 | 990 | 942 | 881 |
| 4. Cash Withdrawal at PoS $ | 3.58 | 0.52 | 0.22 | 0.17 | 37 | 5 | 2 | 2 |
| 4.1 Using Debit Cards $ | 3.33 | 0.50 | 0.19 | 0.15 | 35 | 5 | 2 | 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 | 919.05 | 1102.31 | 928.36 | 296622 | 24502 | 29561 | 25662 |
| 5.1 AePS @ | 11640.55 | 919.05 | 1102.31 | 928.36 | 296622 | 24502 | 29561 | 25662 |
| PART III - Payment Infrastructures (lakh) | ||||
| As on March 2025 | 2024 April |
2025 | 2025 | |
| March | April | |||
| 1 | 2 | 3 | 4 | |
| Payment System Infrastructures | ||||
| 1 Number of Cards | 11006.97 | 10534.85 | 11006.97 | 11064.20 |
| 1.1 Credit Cards | 1098.85 | 1025.40 | 1098.85 | 1104.36 |
| 1.2 Debit Cards | 9908.12 | 9509.45 | 9908.12 | 9959.84 |
| 2 Number of PPIs @ | 13396.53 | 14716.82 | 13396.53 | 13444.93 |
| 2.1 Wallets @ | 8673.62 | 11294.83 | 8673.62 | 8719.54 |
| 2.2 Cards @ | 4722.91 | 3421.99 | 4722.91 | 4725.39 |
| 3 Number of ATMs and CRMs | 2.56 | 2.57 | 2.56 | 2.55 |
| 3.1 Bank owned ATMs$ and CRMs# | 2.20 | 2.23 | 2.20 | 2.19 |
| 3.2 White Label ATMs $ | 0.36 | 0.35 | 0.36 | 0.36 |
| 4 Number of Micro ATMs @ | 14.82 | 17.44 | 14.82 | 14.74 |
| 5 Number of PoS Terminals | 110.98 | 88.39 | 110.98 | 112.91 |
| 6 Bharat QR @ | 67.18 | 60.73 | 67.18 | 66.84 |
| 7 UPI QR * | 6579.30 | 5597.20 | 6579.30 | 6624.75 |
| 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 | |
| March | April | March | April | |
| 1. Card Payments | 118.48 | 122.62 | 9018 | 9238 |
| 1.1 Credit Cards | 75.69 | 78.09 | 7056 | 7161 |
| 1.1.1 PoS based | 29.25 | 30.88 | 2105 | 2129 |
| 1.1.2 Online | 46.44 | 47.21 | 4951 | 5032 |
| 1.2 Debit Cards | 42.79 | 44.53 | 1961 | 2076 |
| 1.2.1 PoS based | 19.98 | 21.88 | 684 | 717 |
| 1.2.2 Online | 22.82 | 22.65 | 1277 | 1360 |
| 2. Prepaid Payment Instruments | 27.65 | 29.82 | 1067 | 1169 |
| 2.1 PoS based | 23.60 | 25.68 | 847 | 934 |
| 2.2 Online | 4.05 | 4.14 | 219 | 236 |
| 3. Cash Withdrawal at ATMs | 5.64 | 5.82 | 1286 | 1286 |
| 3.1 Using Credit Cards | 0.41 | 0.42 | 72 | 71 |
| 3.2 Using Debit Cards | 3.59 | 3.77 | 644 | 671 |
| 3.3 Using PPIs | 1.63 | 1.63 | 569 | 545 |
| Total International Payments | 151.77 | 158.26 | 11370 | 11693 |
| 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 |
| 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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