43. Payment System Indicators

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Published on June 25, 2025

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43. Payment System Indicators

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

System

Volume (Lakh)

Value (₹ Crore)

FY 2024-25

2024

2025

FY 2024-25

2024

2025

Apr.

Mar.

Apr.

Mar.

Apr.

-2

-1

A. Settlement Systems

Financial Market Infrastructures (FMIs)

1 CCIL Operated Systems (1.1 to 1.3)

47.40

3.53

4.36

5.07

296218030

22115118

27936158

29399814

1.1 Govt. Securities Clearing (1.1.1 to 1.1.3)

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 (1.1 to 1.2)

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 (2.1 to 2.6)

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

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

3 Debit Transfers and Direct Debits (3.1 to 3.3)

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 (4.1 to 4.2)

63861.15

4960.12

5789.52

5673.64

2605110

200409

240549

222351

4.1 Credit Cards (4.1.1 to 4.1.2)

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 (4.2.1 to 4.2.1)

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 (5.1 to 5.2)

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 (5.2.1 to 5.2.2)

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 (6.1 to 6.2)

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

–

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

System

Volume (Lakh)

Value (₹ Crore)

FY 2024-25

2024

2025

FY 2024-25

2024

2025

Apr.

Mar.

Apr.

Mar.

Apr.

A. Other Payment Channels

1 Mobile Payments (mobile app based) (1.1 to 1.2)

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) @ (2.1 to 2.2)

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 $ (3.1 to 3.3)

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 $ (4.1 to 4.2)

3.58

0.52

0.22

0.17

4.1 Using Debit Cards $

3.33

0.50

0.19

0.15

4.2 Using Pre-paid Cards $

0.25

0.02

0.03

0.02

5 Cash Withrawal 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)

System

As on March 2025

2024

2025

Apr.

Mar.

Apr.

Payment System Infrastructures

1 Number of Cards (1.1 to 1.2)

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 @ (2.1 to 2.2)

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 (3.1 to 3.2)

2.56

2.57

2.56

2.55

3.1 Bank owned ATMs $

2.20

2.23

2.20

2.19

3.2 White Label ATMs $

0.36

0.35

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

@: New inclusion w.e.f. November 2019
#: Data reported by Co-operative Banks, LABs and RRBs included with effect from December 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
Notes : 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.
Part I-A. Settlement systems
1.1.3: Tri- party Repo under the securities segment has been operationalised from November 05, 2018.
Part I-B. Payments systems
4.1.2: ‘Others’ includes e-commerce transactions and digital bill payments through ATMs, etc.
4.2.2: ‘Others’ includes e-commerce transactions, card to card transfers and digital bill payments through ATMs, etc.
5: Available from December 2010.
5.1: includes purchase of goods and services and fund transfer through wallets.
5.2.2: includes usage of PPI Cards for online transactions and other transactions.
6.1: Pertain to three grids – Mumbai, New Delhi and Chennai.
6.2: ‘Others’ comprises of Non-MICR transactions which pertains to clearing houses managed by 21 banks.
Part II-A. Other payment channels
1: Mobile Payments –
o Include transactions done through mobile apps of banks and UPI apps.
o The data from July 2017 includes only individual payments and corporate payments initiated, processed, and authorised using mobile device. Other corporate payments which are not initiated, processed, and authorised using mobile device are excluded.
2: Internet Payments – includes only e-commerce transactions through ‘netbanking’ and any financial transaction using internet banking website of the bank.
Part II-B. ATMs
3.3 and 4.2: only relates to transactions using bank issued PPIs.
Part III. Payment systems infrastructure
3: Includes ATMs deployed by Scheduled Commercial Banks (SCBs) and White Label ATM Operators (WLAOs). WLAs are included from April 2014 onwards.