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. |
|
