Payment System Indicators - December 2025

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Payment System Indicators - December 2025

Published on December - 2025

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Payment System Indicators - December 2025

Payment System Indicators

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

Volume (lakh)

Value (₹ crore)

FY 2024-25

2024 December

2025

FY 2024-25

2024 December

2025

November

December

November

December

A. Settlement Systems

Financial Market Infrastructures (FMIs)

1 CCIL Operated Systems

47.40

3.78

4.08

5.07

296218030

27448820

28209256

34813891

1.1 Govt. Securities Clearing

17.87

1.49

1.53

1.71

185733719

16506680

17161813

20459216

1.1.1 Outright

10.56

0.84

0.88

0.94

16056018

1348782

1226375

1358772

1.1.2 Repo

4.72

0.41

0.44

0.51

77286611

6377679

7838569

9176297

1.1.3 Tri-party Repo

2.58

0.24

0.21

0.26

92391091

8780219

8096869

9924147

1.2 Forex Clearing

28.06

2.16

2.46

3.27

100639565

9919285

10100567

13484010

1.3 Rupee Derivatives @

1.46

0.13

0.08

0.10

9844746

1022855

946876

870666

B. Payment Systems

I Financial Market Infrastructures (FMIs)

1 Credit Transfers - RTGS

3024.55

262.29

284.89

317.67

201387682

19163587

16881605

21969481

1.1 Customer Transactions

3010.32

261.11

283.75

316.41

181153129

17161423

15505696

19992108

1.2 Interbank Transactions

14.23

1.17

1.14

1.26

20234553

2002163

1375908

1977373

II Retail

2 Credit Transfers - Retail

2061014.91

183786.41

221600.52

232522.27

79881976

6935632

7313610

8086110

2.1 AePS (Fund Transfers) @

3.64

0.31

0.26

0.21

190

2.2 APBS $

32964.43

2451.41

3375.31

2357.78

554034

58705

69483

81224

2.3 IMPS

56249.68

4411.64

3689.31

3799.33

7139110

601549

615177

662452

2.4 NACH Cr $

16938.86

1315.94

1690.81

1240.69

1670223

135695

163208

168800

2.5 NEFT

96198.05

8307.02

8175.04

8777.58

44461464

3814966

3834099

4376909

2.6 UPI @

1858660.25

167300.09

204669.79

216346.68

26056955

2324700

2631633

2796713

2.6.1 of which USSD @

17.24

1.56

0.56

0.52

185

3 Debit Transfers and Direct Debits

21659.95

1905.47

1987.04

2012.39

2208583

198303

226304

242667

3.1 BHIM Aadhaar Pay @

230.08

17.18

19.28

17.39

6907

547

609

600

3.2 NACH Dr $

19762.28

1738.32

1835.73

1858.15

2199327

197549

225517

241878

3.3 NETC (linked to bank account) @

1667.59

149.97

132.03

136.85

2349

207

178

189

4 Card Payments

63861.15

5608.59

6041.95

6447.58

2605110

228548

222942

241961

4.1 Credit Cards

47740.76

4328.50

5029.84

5398.34

2109197

187949

188799

204687

4.1.1 PoS based $

24571.10

2240.03

2538.40

2726.32

795022

73048

75640

78476

4.1.2 Others $

23169.66

2088.46

2491.45

2672.02

1314175

114901

113159

126210

4.2 Debit Cards

16120.39

1280.10

1012.11

1049.24

495914

40599

34143

37274

4.2.1 PoS based $

11980.33

964.50

763.31

794.35

332556

27609

22754

24599

4.2.2 Others $

4140.06

315.60

248.80

254.89

163358

12990

11389

12675

5 Prepaid Payment Instruments

70254.08

6377.99

8973.35

9755.15

216751

18992

24639

27044

5.1 Wallets

52898.40

4830.75

7347.33

8094.62

154066

14437

19265

20834

5.2 Cards

17355.68

1547.24

1626.02

1660.53

62686

4556

5374

6210

5.2.1 PoS based $

8240.14

684.93

682.35

694.23

11512

991

1365

1391

5.2.2 Others $

9115.54

862.31

943.66

966.30

51174

3565

4010

4819

6 Paper-based Instruments

6095.38

506.56

448.60

476.39

7113350

587879

570251

620352

6.1 CTS (NPCI Managed)

6095.38

506.56

448.60

476.39

7113350

587879

570251

620352

6.2 Others

0.00

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

2222885.46

198185.02

239051.46

251213.79

92025771

7969354

8357746

9218135

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

2225910.01

198447.31

239336.34

251531.46

293413453

27132941

25239350

31187617

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

2219814.63

197940.75

238887.74

251055.07

286300103

26545062

24669100

30567264

PART II - Payment Modes and Channels

Volume (lakh)

Value (₹ crore)

FY 2024-25

2024 December

2025

FY 2024-25

2024 December

2025

November

December

November

December

A. Other Payment Channels

1 Mobile Payments (mobile app based)

1756976.91

156763.28

187787.15

198740.92

39206221

3455808

3769403

4029352

1.1 Intra-bank $

110801.96

9183.14

10306.94

10679.51

7207439

618347

637681

694233

1.2 Inter-bank $

1646174.95

147580.14

177480.21

188061.41

31998782

2837461

3131722

3335119

2 Internet Payments (Netbanking / internet browser based) @

47478.09

4072.71

3527.10

3757.66

131858133

12203095

11864143

15193135

2.1 Intra-bank @

13056.37

1155.00

809.63

875.29

69086996

6414756

6241771

8063055

2.2 Inter-bank @

34421.72

2917.71

2717.48

2882.36

62771136

5788339

5622372

7130080

B. ATMs

3. Cash Withdrawal at ATMs $

60308.11

4950.77

4404.78

4469.09

3063077

252471

235313

240222

3.1 Using Credit Cards $

97.25

8.12

6.72

6.96

5084

429

378

393

3.2 Using Debit Cards $

59965.70

4923.54

4380.23

4444.02

3046987

251161

234055

238925

3.3 Using Pre-paid Cards $

245.16

19.11

17.83

18.11

11005

881

880

904

4. Cash Withdrawal at PoS $

3.58

0.29

0.14

4.1 Using Debit Cards $

3.33

0.26

0.12

4.2 Using Pre-paid Cards $

0.25

0.03

0.02

5. Cash Withdrawal at Micro ATMs @

11640.55

910.87

1048.96

926.03

296622

23195

27358

24083

5.1 AePS @

11640.55

910.87

1048.96

926.03

296622

23195

27358

24083

PART III - Payment Infrastructures (lakh)

As on March 2025

2024 December

2025

November

December

Payment System Infrastructures

1 Number of Cards

11006.97

10990.04

11465.79

11501.30

1.1 Credit Cards

1098.85

1080.56

1148.76

1157.84

1.2 Debit Cards

9908.12

9909.48

10317.03

10343.46

2 Number of PPIs @

13401.46

13272.19

19107.13

20873.16

2.1 Wallets @

8678.44

8907.25

14410.18

16170.73

2.2 Cards @

4723.02

4364.94

4696.95

4702.43

3 Number of ATMs and CRMs

2.56

2.55

2.51

2.50

3.1 Bank owned ATMs$ and CRMs#

2.20

2.19

2.13

3.2 White Label ATMs $

0.36

0.37

4 Number of Micro ATMs @

14.82

14.76

14.27

14.15

5 Number of PoS Terminals

110.98

100.01

112.54

114.75

6 Bharat QR @

67.18

63.83

59.53

58.90

7 UPI QR *

6579.30

6335.30

7282.00

7313.65

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

November

December

November

December

1. Card Payments

139.42

144.56

9606

10110

1.1 Credit Cards

87.66

90.97

7436

7756

1.1.1 PoS based

35.71

38.21

2556

2667

1.1.2 Online

51.95

52.76

4880

5090

1.2 Debit Cards

51.75

53.59

2171

2354

1.2.1 PoS based

25.51

26.96

797

833

1.2.2 Online

26.25

26.63

1374

1521

2. Prepaid Payment Instruments

31.55

29.19

1221

1161

2.1 PoS based

26.94

25.06

989

939

2.2 Online

4.61

4.14

232

221

3. Cash Withdrawal at ATMs

5.54

5.64

1211

1202

3.1 Using Credit Cards

0.40

0.35

3.2 Using Debit Cards

3.59

3.81

628

664

3.3 Using PPIs

1.55

1.48

513

485

Total International Payments

176.51

179.39

12038

12474

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

December 2025

2.54

408

101152.65

0.130 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.