Payment System Indicators - February 2025 - RBI - Reserve Bank of India
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Payment System Indicators - February 2025
| Payment System Indicators | ||||||||
|---|---|---|---|---|---|---|---|---|
| PART I - Payment System Indicators - Payment & Settlement System Statistics | ||||||||
| Volume (lakh) | Value (₹ crore) | |||||||
| FY 2023-24 | 2024 February | 2025 | 2025 | FY 2023-24 | 2024 February | 2025 | 2025 | |
| January | February | January | February | |||||
| 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
| A. Settlement Systems | ||||||||
| Financial Market Infrastructures (FMIs) | ||||||||
| 1 CCIL Operated Systems | 43.04 | 3.60 | 4.88 | 3.72 | 259206893 | 21907760 | 30296790 | 25171733 |
| 1.1 Govt. Securities Clearing | 16.80 | 1.46 | 1.77 | 1.16 | 170464587 | 14722762 | 17807347 | 14137926 |
| 1.1.1 Outright | 9.51 | 0.87 | 1.10 | 0.63 | 13463848 | 1273135 | 1627265 | 1088598 |
| 1.1.2 Repo | 4.94 | 0.39 | 0.41 | 0.33 | 76718788 | 6575139 | 7288494 | 5916603 |
| 1.1.3 Tri-party Repo | 2.35 | 0.20 | 0.25 | 0.20 | 80281951 | 6874488 | 8891588 | 7132725 |
| 1.2 Forex Clearing | 24.92 | 2.04 | 2.94 | 2.45 | 80984671 | 6537554 | 11164125 | 9957432 |
| 1.3 Rupee Derivatives @ | 1.31 | 0.09 | 0.17 | 0.12 | 7757636 | 647444 | 1325318 | 1076374 |
| B. Payment Systems | ||||||||
| I Financial Market Infrastructures (FMIs) | ||||||||
| 1 Credit Transfers - RTGS | 2700.16 | 238.26 | 268.15 | 244.20 | 170886670 | 14614297 | 17499363 | 16099371 |
| 1.1 Customer Transactions | 2686.04 | 237.09 | 266.89 | 243.05 | 152406168 | 13083464 | 15571748 | 14226027 |
| 1.2 Interbank Transactions | 14.12 | 1.17 | 1.26 | 1.16 | 18480503 | 1530833 | 1927615 | 1873344 |
| II Retail | ||||||||
| 2 Credit Transfers - Retail | 1486106.89 | 137733.21 | 186538.41 | 177394.61 | 67542859 | 6039675 | 7000487 | 6497660 |
| 2.1 AePS (Fund Transfers) @ | 3.92 | 0.32 | 0.31 | 0.28 | 261 | 21 | 18 | 16 |
| 2.2 APBS $ | 25888.17 | 2965.77 | 2263.21 | 3103.12 | 390743 | 48312 | 52280 | 57097 |
| 2.3 IMPS | 60053.35 | 5346.35 | 4442.23 | 4048.29 | 6495652 | 568092 | 606420 | 563082 |
| 2.4 NACH Cr $ | 16227.27 | 1504.81 | 1304.72 | 1533.06 | 1525104 | 123887 | 145699 | 140881 |
| 2.5 NEFT | 72639.50 | 6889.23 | 8567.93 | 7647.93 | 39136014 | 3471495 | 3848033 | 3540103 |
| 2.6 UPI @ | 1311294.68 | 121026.73 | 169960.01 | 161061.93 | 19995086 | 1827869 | 2348037 | 2196482 |
| 2.6.1 of which USSD @ | 26.19 | 1.66 | 1.38 | 1.15 | 352 | 19 | 16 | 13 |
| 3 Debit Transfers and Direct Debits | 18249.53 | 1611.25 | 1878.45 | 1862.80 | 1687658 | 153734 | 199535 | 193068 |
| 3.1 BHIM Aadhaar Pay @ | 193.59 | 15.43 | 15.79 | 15.67 | 6112 | 376 | 486 | 494 |
| 3.2 NACH Dr $ | 16426.49 | 1464.78 | 1715.83 | 1701.10 | 1678769 | 153173 | 198857 | 192387 |
| 3.3 NETC (linked to bank account) @ | 1629.45 | 131.04 | 146.83 | 146.03 | 2777 | 184 | 193 | 186 |
| 4 Card Payments | 58469.79 | 4634.92 | 5522.42 | 5052.09 | 2423563 | 190658 | 223090 | 201522 |
| 4.1 Credit Cards | 35610.15 | 3112.44 | 4305.72 | 3969.59 | 1831134 | 149206 | 184126 | 167208 |
| 4.1.1 PoS based $ | 18614.08 | 1618.50 | 2177.43 | 1999.96 | 651911 | 54431 | 69429 | 62125 |
| 4.1.2 Others $ | 16996.08 | 1493.94 | 2128.29 | 1969.63 | 1179223 | 94775 | 114697 | 105083 |
| 4.2 Debit Cards | 22859.64 | 1522.47 | 1216.69 | 1082.50 | 592429 | 41452 | 38963 | 34314 |
| 4.2.1 PoS based $ | 16477.95 | 1108.96 | 910.91 | 803.42 | 393589 | 27918 | 25999 | 23216 |
| 4.2.2 Others $ | 6381.69 | 413.51 | 305.78 | 279.07 | 198840 | 13534 | 12965 | 11098 |
| 5 Prepaid Payment Instruments | 78775.40 | 6470.84 | 6547.10 | 6398.44 | 283048 | 22674 | 19496 | 19236 |
| 5.1 Wallets | 63256.69 | 5211.85 | 4875.14 | 4850.75 | 234353 | 18434 | 14700 | 14404 |
| 5.2 Cards | 15518.71 | 1259.00 | 1671.97 | 1547.69 | 48695 | 4240 | 4796 | 4833 |
| 5.2.1 PoS based $ | 8429.87 | 702.41 | 701.18 | 641.84 | 11247 | 919 | 1000 | 969 |
| 5.2.2 Others $ | 7088.84 | 556.58 | 970.79 | 905.86 | 37447 | 3321 | 3796 | 3863 |
| 6 Paper-based Instruments | 6632.10 | 541.88 | 516.61 | 462.02 | 7212333 | 602630 | 606756 | 540834 |
| 6.1 CTS (NPCI Managed) | 6632.10 | 541.88 | 516.61 | 462.02 | 7212333 | 602630 | 606756 | 540834 |
| 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) | 1648233.71 | 150992.11 | 201003.00 | 191169.95 | 79149461 | 7009371 | 8049363 | 7452321 |
| Total Payments (1+2+3+4+5+6) | 1650933.88 | 151230.37 | 201271.14 | 191414.16 | 250036131 | 21623668 | 25548726 | 23551692 |
| Total Digital Payments (1+2+3+4+5) | 1644301.78 | 150688.49 | 200754.53 | 190952.14 | 242823799 | 21021038 | 24941970 | 23010857 |
| PART II - Payment Modes and Channels | ||||||||
|---|---|---|---|---|---|---|---|---|
| Volume (lakh) | Value (₹ crore) | |||||||
| FY 2023-24 | 2024 February | 2025 | 2025 | FY 2023-24 | 2024 February | 2025 | 2025 | |
| January | February | January | February | |||||
| 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
| A. Other Payment Channels | ||||||||
| 1 Mobile Payments (mobile app based) | 1252599.21 | 117275.04 | 158794.78 | 150031.46 | 30687088 | 2828120 | 3451865 | 3215517 |
| 1.1 Intra-bank $ | 83000.56 | 7774.97 | 9234.72 | 8703.42 | 5676805 | 530845 | 607541 | 558355 |
| 1.2 Inter-bank $ | 1169598.65 | 109500.07 | 149560.06 | 141328.04 | 25010283 | 2297275 | 2844325 | 2657162 |
| 2 Internet Payments (Netbanking / internet browser based) @ | 45034.98 | 3800.36 | 4167.05 | 3648.03 | 102117736 | 8867591 | 11639721 | 10409819 |
| 2.1 Intra-bank @ | 12033.28 | 1008.05 | 1212.87 | 1003.88 | 53247042 | 4540083 | 6130804 | 5354635 |
| 2.2 Inter-bank @ | 33001.71 | 2792.31 | 2954.18 | 2644.15 | 48870694 | 4327508 | 5508917 | 5055184 |
| B. ATMs | ||||||||
| 3. Cash Withdrawal at ATMs $ | 66440.72 | 5172.34 | 4910.07 | 4497.97 | 3259388 | 257238 | 251938 | 235618 |
| 3.1 Using Credit Cards $ | 95.80 | 7.91 | 7.79 | 6.84 | 4648 | 395 | 412 | 370 |
| 3.2 Using Debit Cards $ | 66001.01 | 5139.17 | 4883.53 | 4473.77 | 3241538 | 255809 | 250646 | 234408 |
| 3.3 Using Pre-paid Cards $ | 343.90 | 25.26 | 18.75 | 17.36 | 13202 | 1034 | 879 | 840 |
| 4. Cash Withdrawal at PoS $ | 15.18 | 0.55 | 0.27 | 0.22 | 148 | 5 | 3 | 2 |
| 4.1 Using Debit Cards $ | 15.06 | 0.53 | 0.24 | 0.19 | 147 | 5 | 3 | 2 |
| 4.2 Using Pre-paid Cards $ | 0.12 | 0.01 | 0.03 | 0.03 | 1 | 0 | 0 | 0 |
| 5. Cash Withdrawal at Micro ATMs @ | 11754.95 | 812.15 | 915.09 | 921.64 | 314003 | 21543 | 23246 | 23605 |
| 5.1 AePS @ | 11754.95 | 812.15 | 915.09 | 921.64 | 314003 | 21543 | 23246 | 23605 |
| PART III - Payment Infrastructures (lakh) | ||||
|---|---|---|---|---|
| As on March 2024 | 2024 February |
2025 | 2025 | |
| January | February | |||
| 1 | 2 | 3 | 4 | |
| Payment System Infrastructures | ||||
| 1 Number of Cards | 10667.22 | 10612.71 | 10909.12 | 10949.92 |
| 1.1 Credit Cards | 1018.03 | 1006.00 | 1088.73 | 1093.15 |
| 1.2 Debit Cards | 9649.19 | 9606.71 | 9820.39 | 9856.77 |
| 2 Number of PPIs @ | 16743.63 | 17118.53 | 13463.21 | 13614.38 |
| 2.1 Wallets @ | 13381.80 | 13795.76 | 8954.73 | 9001.61 |
| 2.2 Cards @ | 3361.82 | 3322.78 | 4508.48 | 4612.77 |
| 3 Number of ATMs and CRMs | 2.58 | 2.57 | 2.57 | 2.58 |
| 3.1 Bank owned ATMs$ and CRMs# | 2.23 | 2.23 | 2.21 | 2.22 |
| 3.2 White Label ATMs $ | 0.35 | 0.34 | 0.36 | 0.36 |
| 4 Number of Micro ATMs @ | 17.55 | 17.01 | 14.74 | 14.68 |
| 5 Number of PoS Terminals | 89.03 | 87.73 | 103.53 | 107.18 |
| 6 Bharat QR @ | 62.50 | 61.50 | 64.43 | 65.48 |
| 7 UPI QR * | 3434.93 | 3371.80 | 6401.65 | 6496.91 |
| 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 | |
| January | February | January | February | |
| 1. Card Payments | 108.47 | 97.96 | 8554 | 7404 |
| 1.1 Credit Cards | 67.54 | 61.31 | 6350 | 5645 |
| 1.1.1 PoS based | 25.27 | 22.65 | 1876 | 1681 |
| 1.1.2 Online | 42.28 | 38.66 | 4474 | 3964 |
| 1.2 Debit Cards | 40.93 | 36.65 | 2205 | 1759 |
| 1.2.1 PoS based | 18.50 | 16.99 | 728 | 615 |
| 1.2.2 Online | 22.43 | 19.67 | 1477 | 1144 |
| 2. Prepaid Payment Instruments | 24.93 | 23.71 | 1098 | 935 |
| 2.1 PoS based | 21.22 | 20.12 | 847 | 733 |
| 2.2 Online | 3.71 | 3.59 | 251 | 202 |
| 3. Cash Withdrawal at ATMs | 5.62 | 5.08 | 1392 | 1155 |
| 3.1 Using Credit Cards | 0.36 | 0.35 | 64 | 63 |
| 3.2 Using Debit Cards | 3.72 | 3.28 | 672 | 568 |
| 3.3 Using PPIs | 1.54 | 1.45 | 656 | 524 |
| Total International Payments | 139.03 | 126.75 | 11044 | 9493 |
| 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 |
| 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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