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Payment System Indicators

Document - Payment System Indicators - June 2025 () or PDF - Payment System Indicators - June 2025 ()
Payment System Indicators - June 2025
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2024-25 2024 June 2025 2025 FY 2024-25 2024 June 2025 2025
May June May June
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 47.40 4.36 5.48 5.30 296218030 22580094 29656042 30959727
1.1 Govt. Securities Clearing 17.87 1.60 1.94 1.77 185733719 15107943 17500816 17946468
1.1.1 Outright 10.56 0.97 1.28 1.05 16056018 1372786 1875057 1611829
1.1.2 Repo 4.72 0.42 0.45 0.51 77286611 6414226 7645792 7894091
1.1.3 Tri-party Repo 2.58 0.21 0.21 0.21 92391091 7320931 7979967 8440549
1.2 Forex Clearing 28.06 2.67 3.44 3.39 100639565 6953169 11363617 11968143
1.3 Rupee Derivatives @ 1.46 0.09 0.10 0.14 9844746 518982 791608 1045117
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 3024.55 231.84 274.71 254.88 201387682 16037694 17013770 19012360
1.1 Customer Transactions 3010.32 230.72 273.46 253.73 181153129 14570686 15219873 16983278
1.2 Interbank Transactions 14.23 1.12 1.25 1.15 20234553 1467008 1793897 2029082
II Retail                
2 Credit Transfers - Retail 2061014.91 155567.02 203656.72 200519.84 79781976 6073917 7146649 6957478
2.1 AePS (Fund Transfers) @ 3.64 0.30 0.31 0.30 190 16 17 16
2.2 APBS $ 32964.43 2929.34 2786.17 2841.94 554034 43676 50985 48247
2.3 IMPS 56249.68 5167.51 4636.60 4481.05 7139110 577794 640867 606356
2.4 NACH Cr $ 16938.86 1311.11 1243.57 1325.97 1670223 113888 147380 134188
2.5 NEFT 96198.05 7307.34 8215.47 7920.52 44361464 3331461 3793103 3764742
2.6 UPI @ 1858660.25 138851.42 186774.60 183950.06 26056955 2007081 2514297 2403931
2.6.1 of which USSD @ 17.24 1.41 1.79 1.18 185 15 33 21
3 Debit Transfers and Direct Debits 21659.95 1697.73 1895.74 1891.36 2208583 171469 206368 210754
3.1 BHIM Aadhaar Pay @ 230.08 21.07 19.51 18.27 6907 581 641 615
3.2 NACH Dr $ 19762.28 1544.59 1723.65 1728.39 2199327 170756 205535 209956
3.3 NETC (linked to bank account) @ 1667.59 132.07 152.58 144.70 2349 132 192 183
4 Card Payments 63861.15 5003.43 5827.40 5672.82 2605110 200081 226810 218552
4.1 Credit Cards 47740.76 3579.49 4676.93 4587.10 2109197 158822 189832 183088
4.1.1 PoS based $ 24571.10 1895.40 2359.14 2338.70 795022 59417 69607 67468
4.1.2 Others $ 23169.66 1684.10 2317.79 2248.41 1314175 99405 120224 115620
4.2 Debit Cards 16120.39 1423.94 1150.47 1085.72 495914 41259 36978 35463
4.2.1 PoS based $ 11980.33 1063.58 861.57 812.90 332556 27629 24735 23079
4.2.2 Others $ 4140.06 360.36 288.90 272.82 163358 13629 12243 12384
5 Prepaid Payment Instruments 70254.08 5236.08 7106.39 6868.39 216751 15897 20722 20740
5.1 Wallets 52898.40 4038.05 5474.25 5338.82 154066 11298 16668 17308
5.2 Cards 17355.68 1198.03 1632.13 1529.57 62686 4599 4053 3432
5.2.1 PoS based $ 8240.14 650.89 650.54 595.05 11512 946 981 888
5.2.2 Others $ 9115.54 547.14 981.59 934.51 51174 3653 3072 2544
6 Paper-based Instruments 6095.38 484.42 481.93 447.43 7113350 553834 596239 550176
6.1 CTS (NPCI Managed) 6095.38 484.42 481.93 447.43 7113350 553834 596239 550176
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) 2222885.46 167988.69 218968.18 215399.84 91925771 7015198 8196787 7957700
Total Payments (1+2+3+4+5+6) 2225910.01 168220.52 219242.89 215654.72 293313453 23052892 25210557 26970060
Total Digital Payments (1+2+3+4+5) 2219814.63 167736.10 218760.96 215207.29 286200103 22499058 24614318 26419884

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2024-25 2024 June 2025 2025 FY 2024-25 2024 June 2025 2025
May June May June
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 1756976.91 132846.07 173238.90 170054.63 39206221 3029193 3641750 3385251
1.1 Intra-bank $ 110801.96 8784.73 9743.77 8974.93 7207439 557266 638772 529331
1.2 Inter-bank $ 1646174.95 124061.34 163495.14 161079.71 31998782 2471927 3002978 2855919
2 Internet Payments (Netbanking / internet browser based) @ 47478.09 3780.42 3668.66 3635.82 131858133 10487118 11661241 12824960
2.1 Intra-bank @ 13056.37 1029.33 851.54 839.90 69086996 5573973 6068349 6918867
2.2 Inter-bank @ 34421.72 2751.09 2817.12 2795.92 62771136 4913144 5592892 5906093
B. ATMs                
3. Cash Withdrawal at ATMs $ 60308.11 5076.57 4604.61 4382.08 3063077 255229 246201 229907
3.1 Using Credit Cards $ 97.25 8.29 6.70 6.28 5084 426 370 345
3.2 Using Debit Cards $ 59965.70 5045.81 4579.88 4358.58 3046987 253844 244945 228735
3.3 Using Pre-paid Cards $ 245.16 22.47 18.03 17.22 11005 959 886 827
4. Cash Withdrawal at PoS $ 3.58 0.28 0.15 0.14 37 3 2 1
4.1 Using Debit Cards $ 3.33 0.27 0.13 0.11 35 3 1 1
4.2 Using Pre-paid Cards $ 0.25 0.02 0.03 0.02 3 0 0 0
5. Cash Withdrawal at Micro ATMs @ 11640.55 973.79 1017.25 944.62 296622 24426 27668 25646
5.1 AePS @ 11640.55 973.79 1017.25 944.62 296622 24426 27668 25646

PART III - Payment Infrastructures (lakh)
  As on March 2025 2024 June 2025 2025
May June
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 11006.97 10662.37 11115.67 11163.78
1.1 Credit Cards 1098.85 1038.13 1111.98 1111.97
1.2 Debit Cards 9908.12 9624.24 10003.70 10051.80
2 Number of PPIs @ 13396.53 15051.30 13513.51 13520.65
2.1 Wallets @ 8673.62 11375.61 8692.12 8681.92
2.2 Cards @ 4722.91 3675.69 4821.38 4838.73
3 Number of ATMs and CRMs 2.56 2.56 2.57 2.51
3.1 Bank owned ATMs$ and CRMs# 2.20 2.21 2.21 2.15
3.2 White Label ATMs $ 0.36 0.35 0.36 0.36
4 Number of Micro ATMs @ 14.82 15.25 14.78 14.59
5 Number of PoS Terminals 110.98 89.67 115.89 117.91
6 Bharat QR @ 67.18 61.64 66.64 67.21
7 UPI QR * 6579.30 5770.15 6698.20 6782.51

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
May June May June
1. Card Payments 141.55 138.64 10482 10434
1.1 Credit Cards 91.96 91.46 8221 8251
1.1.1 PoS based 39.59 40.33 2725 3024
1.1.2 Online 52.37 51.13 5496 5228
1.2 Debit Cards 49.60 47.18 2261 2182
1.2.1 PoS based 25.08 23.37 839 837
1.2.2 Online 24.52 23.80 1421 1345
2. Prepaid Payment Instruments 38.51 38.54 1576 1653
2.1 PoS based 33.64 33.92 1295 1393
2.2 Online 4.86 4.62 281 260
3. Cash Withdrawal at ATMs 6.10 5.57 1346 1227
3.1 Using Credit Cards 0.45 0.44 80 82
3.2 Using Debit Cards 3.86 3.47 659 591
3.3 Using PPIs 1.80 1.65 607 554
Total International Payments 186.17 182.74 13404 13313

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
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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