Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
	Volume (lakh)				Value (₹ crore)
	FY 2023-24	2024 January	2024	2025	FY 2023-24	2024 January	2024	2025
			December	January			December	January
	1	2	3	4	1	2	3	4
A. Settlement Systems
Financial Market Infrastructures (FMIs)
1 CCIL Operated Systems	43.04	3.74	3.78	4.88	259206893	21705635	27448820	30296790
1.1 Govt. Securities Clearing	16.80	1.42	1.49	1.77	170464587	14658627	16506680	17807347
1.1.1 Outright	9.51	0.79	0.84	1.10	13463848	1100547	1348782	1627265
1.1.2 Repo	4.94	0.43	0.41	0.41	76718788	6039056	6377679	7288494
1.1.3 Tri-party Repo	2.35	0.21	0.24	0.25	80281951	7519024	8780219	8891588
1.2 Forex Clearing	24.92	2.21	2.16	2.94	80984671	6439543	9919285	11164125
1.3 Rupee Derivatives @	1.31	0.11	0.13	0.17	7757636	607465	1022855	1325318
B. Payment Systems
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS	2700.16	230.99	262.29	268.15	170886670	14691625	19163587	17499363
1.1 Customer Transactions	2686.04	229.79	261.11	266.89	152406168	13127720	17161423	15571748
1.2 Interbank Transactions	14.12	1.20	1.17	1.26	18480503	1563905	2002163	1927615
II Retail
2 Credit Transfers - Retail	1486106.89	137068.03	183786.41	186538.41	67542859	5945126	6935632	7000487
2.1 AePS (Fund Transfers) @	3.92	0.36	0.31	0.31	261	24	17	18
2.2 APBS $	25888.17	2118.74	2451.41	2263.21	390743	42872	58705	52280
2.3 IMPS	60053.35	5087.92	4411.64	4442.23	6495652	566310	601549	606420
2.4 NACH Cr $	16227.27	948.05	1315.94	1304.72	1525104	127514	135695	145699
2.5 NEFT	72639.50	6882.78	8307.02	8567.93	39136014	3367322	3814966	3848033
2.6 UPI @	1311294.68	122030.18	167300.09	169960.01	19995086	1841084	2324700	2348037
2.6.1 of which USSD @	26.19	1.90	1.56	1.38	352	21	16	16
3 Debit Transfers and Direct Debits	18249.53	1571.50	1905.47	1878.45	1687658	154405	198303	199535
3.1 BHIM Aadhaar Pay @	193.59	18.82	17.18	15.79	6112	619	547	486
3.2 NACH Dr $	16426.49	1440.08	1738.32	1715.83	1678769	153564	197549	198857
3.3 NETC (linked to bank account) @	1629.45	112.60	149.97	146.83	2777	222	207	193
4 Card Payments	58469.79	4934.19	5608.59	5522.42	2423563	211931	228548	223090
4.1 Credit Cards	35610.15	3289.52	4328.50	4305.72	1831134	166444	187949	184126
4.1.1 PoS based $	18614.08	1725.59	2240.03	2177.43	651911	58532	73048	69429
4.1.2 Others $	16996.08	1563.93	2088.46	2128.29	1179223	107912	114901	114697
4.2 Debit Cards	22859.64	1644.68	1280.10	1216.69	592429	45487	40599	38963
4.2.1 PoS based $	16477.95	1193.18	964.50	910.91	393589	30383	27609	25999
4.2.2 Others $	6381.69	451.50	315.60	305.78	198840	15103	12990	12965
5 Prepaid Payment Instruments	78775.40	7087.25	6377.99	6547.10	283048	25784	18992	19496
5.1 Wallets	63256.69	5766.67	4830.75	4875.14	234353	21259	14437	14700
5.2 Cards	15518.71	1320.58	1547.24	1671.97	48695	4525	4556	4796
5.2.1 PoS based $	8429.87	690.67	684.93	701.18	11247	927	990.54	1000
5.2.2 Others $	7088.84	629.91	862.31	970.79	37447	3598	3564.99	3796
6 Paper-based Instruments	6632.10	547.17	506.56	516.61	7212333	583653	587879	606756
6.1 CTS (NPCI Managed)	6632.10	547.17	506.56	516.61	7212333	583653	587879	606756
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	151208.15	198185.02	201003.00	79149461	6920899	7969354	8049363
Total Payments (1+2+3+4+5+6)	1650933.88	151439.14	198447.31	201271.14	250036131	21612523	27132941	25548726
Total Digital Payments (1+2+3+4+5)	1644301.78	150891.97	197940.75	200754.53	242823799	21028871	26545062	24941970

 

PART II - Payment Modes and Channels
	Volume (lakh)				Value (₹ crore)
	FY 2023-24	2024 January	2024	2025	FY 2023-24	2024 January	2024	2025
			December	January			December	January
	1	2	3	4	1	2	3	4
A. Other Payment Channels
1 Mobile Payments (mobile app based)	1252599.21	117854.93	156762.66	158779.34	30687088	2815296	3455800	3451690
1.1 Intra-bank $	83000.56	7654.37	9183.14	9234.68	5676805	524854	618347	607529
1.2 Inter-bank $	1169598.65	110200.56	147579.52	149544.66	25010283	2290441	2837453	2844161
2 Internet Payments (Netbanking / internet browser based) @	45034.98	3837.71	4072.71	4167.05	102117736	9123990	12203095	11639721
2.1 Intra-bank @	12033.28	1028.04	1155.00	1212.87	53247042	4767036	6414756	6130804
2.2 Inter-bank @	33001.71	2809.67	2917.71	2954.18	48870694	4356954	5788339	5508917
B. ATMs
3. Cash Withdrawal at ATMs $	66440.72	5306.01	4950.77	4910.07	3259388	260746	252471	251938
3.1 Using Credit Cards $	95.80	8.26	8.12	7.79	4648	404	429	412
3.2 Using Debit Cards $	66001.01	5272.19	4923.54	4883.53	3241538	259326	251161	250646
3.3 Using Pre-paid Cards $	343.90	25.56	19.11	18.75	13202	1016	881	879
4. Cash Withdrawal at PoS $	15.18	0.65	0.29	0.27	148	6	3	3
4.1 Using Debit Cards $	15.06	0.64	0.26	0.24	147	6	3	3
4.2 Using Pre-paid Cards $	0.12	0.02	0.03	0.03	1	0	0	0
5. Cash Withdrawal at Micro ATMs @	11754.95	839.66	910.87	915.09	314003	22351	23195	23246
5.1 AePS @	11754.95	839.66	910.87	915.09	314003	22351	23195	23246

 

 

PART III - Payment Infrastructures (lakh)
	As on March 2024	2024 January	2024	2025
			December	January
	1	2	3	4
Payment System Infrastructures
1 Number of Cards	10667.22	10570.66	10990.04	10909.12
1.1 Credit Cards	1018.03	995.00	1080.56	1088.73
1.2 Debit Cards	9649.19	9575.66	9909.48	9820.39
2 Number of PPIs @	16743.63	17676.26	13269.07	13463.21
2.1 Wallets @	13381.80	14396.94	8904.25	8954.73
2.2 Cards @	3361.82	3279.33	4364.82	4508.48
3 Number of ATMs and CRMs	2.58	2.58	2.55	2.57
3.1 Bank owned ATMs$ and CRMs#	2.23	2.24	2.19	2.21
3.2 White Label ATMs $	0.35	0.34	0.36	0.36
4 Number of Micro ATMs @	17.55	17.60	14.67	14.64
5 Number of PoS Terminals	89.03	85.93	100.01	103.53
6 Bharat QR @	62.50	60.04	63.83	64.43
7 UPI QR *	3434.93	3213.79	6334.39	6400.67

 

 

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)
	2024	2025	2024	2025
	December	January	December	January
1. Card Payments	119.91	108.47	8965	8554
1.1 Credit Cards	75.29	67.54	6688	6350
1.1.1 PoS based	30.24	25.27	2210	1876
1.1.2 Online	45.05	42.28	4478	4474
1.2 Debit Cards	44.62	40.93	2277	2205
1.2.1 PoS based	20.84	18.50	835	728
1.2.2 Online	23.78	22.43	1443	1477
2. Prepaid Payment Instruments	30.13	24.93	1178	1098
2.1 PoS based	25.97	21.22	945	847
2.2 Online	4.15	3.71	233	251
3. Cash Withdrawal at ATMs	6.28	5.62	1391	1392
3.1 Using Credit Cards	0.43	0.36	72	64
3.2 Using Debit Cards	4.16	3.72	746	672
3.3 Using PPIs	1.69	1.54	573	656
Total International Payments	156.31	139.03	11534	11044

 

 

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	78849.47	0.155 bps
Jauuary 2025	2.30	361	90183.15	0.140 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.