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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