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43. Payment System Indicators
Date : May 21, 2025
PART I - Payment System Indicators - Payment & Settlement System Statistics
System Volume (Lakh) Value (₹ Crore)
FY 2024-25 2024 2025 FY 2024-25 2024 2025
Mar. Feb. Mar. Mar. Feb. Mar.
1 2 3 4 5 6 7 8
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems (1.1 to 1.3) 47.40 3.48 3.72 4.36 296218030 21627756 25171733 27936158
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 17.87 1.14 1.16 1.33 185733719 13374679 14137926 15356048
1.1.1 Outright 10.56 0.60 0.63 0.76 16056018 981057 1088598 1297378
1.1.2 Repo 4.72 0.35 0.33 0.36 77286611 6226720 5916603 6589738
1.1.3 Tri-party Repo 2.58 0.19 0.20 0.21 92391091 6166902 7132725 7468932
1.2 Forex Clearing 28.06 2.27 2.45 2.94 100639565 7795104 9957432 11758724
1.3 Rupee Derivatives @ 1.46 0.07 0.12 0.09 9844746 457973 1076374 821387
B. Payment Systems                
I Financial Market Infrastructures (FMIs) - - - - - - - -
1 Credit Transfers - RTGS (1.1 to 1.2) 3024.55 278.47 244.20 307.03 201387682 18128366 16099371 21401969
1.1 Customer Transactions 3010.32 277.25 243.05 305.71 181153129 16588625 14226027 19394683
1.2 Interbank Transactions 14.23 1.22 1.16 1.32 20234553 1539741 1873344 2007287
II Retail                
2 Credit Transfers - Retail (2.1 to 2.6) 2061014.91 152969.08 177394.61 202008.61 79781976 7152557 6497660 8242601
2.1 AePS (Fund Transfers) @ 3.64 0.34 0.28 0.31 190 22 16 16
2.2 APBS $ 32964.43 3014.53 3103.12 3506.60 554034 44707 57097 66841
2.3 IMPS 56249.68 5806.36 4048.29 4616.39 7139110 634706 563082 667813
2.4 NACH Cr $ 16938.86 1808.71 1533.06 1861.26 1670223 173928 140881 176401
2.5 NEFT 96198.05 7939.10 7647.93 9008.97 44361464 4320840 3540103 4854308
2.6 UPI @ 1858660.25 134400.04 161061.93 183015.08 26056955 1978353 2196482 2477222
2.6.1 of which USSD @ 17.24 1.78 1.15 1.26 185 20 13 14
3 Debit Transfers and Direct Debits (3.1 to 3.3) 21659.95 1661.00 1862.80 1891.35 2208583 165047 193068 211047
3.1 BHIM Aadhaar Pay @ 230.08 22.68 15.67 19.59 6907 584 494 611
3.2 NACH Dr $ 19762.28 1492.00 1701.10 1724.79 2199327 164223 192387 210246
3.3 NETC (linked to bank account) @ 1667.59 146.32 146.03 146.97 2349 240 186 191
4 Card Payments (4.1 to 4.2) 63861.15 5034.13 5052.09 5789.52 2605110 209208 201522 240549
4.1 Credit Cards (4.1.1 to 4.1.2) 47740.76 3439.38 3969.59 4586.50 2109197 164459 167208 201494
4.1.1 PoS based $ 24571.10 1800.04 1999.96 2302.66 795022 60378 62125 71473
4.1.2 Others $ 23169.66 1639.34 1969.63 2283.84 1314175 104081 105083 130021
4.2 Debit Cards (4.2.1 to 4.2.1) 16120.39 1594.75 1082.50 1203.02 495914 44749 34314 39055
4.2.1 PoS based $ 11980.33 1163.77 803.42 895.82 332556 29309 23216 25818
4.2.2 Others $ 4140.06 430.98 279.07 307.20 163358 15440 11098 13237
5 Prepaid Payment Instruments (5.1 to 5.2) 70254.08 5804.85 6398.44 6783.69 216751 18200 19236 21465
5.1 Wallets 52898.40 4489.88 4850.75 5061.17 154066 13741 14404 16077
5.2 Cards (5.2.1 to 5.2.2) 17355.68 1314.97 1547.69 1722.52 62686 4459 4833 5388
5.2.1 PoS based $ 8240.14 699.02 641.84 648.24 11512 964 969 1016
5.2.2 Others $ 9115.54 615.95 905.86 1074.28 51174 3495 3863 4372
6 Paper-based Instruments (6.1 to 6.2) 6095.38 585.31 462.02 531.76 7113350 688745 540834 659873
6.1 CTS (NPCI Managed) 6095.38 585.31 462.02 531.76 7113350 688745 540834 659873
6.2 Others 0.00 – – – – – – –
Total - Retail Payments (2+3+4+5+6) 2222885.46 166054.37 191169.95 217004.93 91925771 8233757 7452321 9375535
Total Payments (1+2+3+4+5+6) 2225910.01 166332.85 191414.16 217311.96 293313453 26362123 23551692 30777505
Total Digital Payments (1+2+3+4+5) 2219814.63 165747.54 190952.14 216780.20 286200103 25673378 23010857 30117631

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2024-25 2024 2025 FY 2024-25 2024 2025
Mar. Feb. Mar. Mar. Feb. Mar.
1 2 3 4 5 6 7 8
A. Other Payment Channels                
1 Mobile Payments (mobile app based) (1.1 to 1.2) 1756974.67 128625.58 150031.46 171171.98 39206151 3131961 3215517 3769602
1.1 Intra-bank $ 110801.96 8771.04 8703.42 9863.76 7207439 602816 558355 670272
1.2 Inter-bank $ 1646172.70 119854.54 141328.04 161308.22 31998712 2529145 2657162 3099330
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 47469.06 4250.54 3635.80 4087.21 131513970 10374045 10339284 13648178
2.1 Intra-bank @ 13055.94 1142.99 1003.69 1008.66 68879807 5235835 5354635 7112061
2.2 Inter-bank @ 34413.13 3107.55 2632.11 3078.55 62634163 5138210 4984649 6536117
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 60308.11 5563.96 4497.97 4983.78 3063077 278271 235618 263892
3.1 Using Credit Cards $ 97.25 8.83 6.84 7.43 5084 446 370 410
3.2 Using Debit Cards $ 59965.70 5528.63 4473.77 4957.22 3046987 276714 234408 262540
3.3 Using Pre-paid Cards $ 245.16 26.50 17.36 19.13 11005 1111 840 942
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 3.58 0.53 0.22 0.22 37 5 2 2
4.1 Using Debit Cards $ 3.33 0.51 0.19 0.19 35 5 2 2
4.2 Using Pre-paid Cards $ 0.25 0.02 0.03 0.03 3 0 0 0
5 Cash Withrawal at Micro ATMs @ 11640.55 1059.56 921.64 1102.31 296622 27303 23605 29561
5.1 AePS @ 11640.55 1059.56 921.64 1102.31 296622 27303 23605 29561

PART III - Payment Infrastructures (Lakh)
System As on March 2025 2024 2025
Mar. Feb. Mar.
1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 11006.97 10667.22 10949.92 11006.97
1.1 Credit Cards 1098.85 1018.03 1093.15 1098.85
1.2 Debit Cards 9908.12 9649.19 9856.77 9908.12
2 Number of PPIs @ (2.1 to 2.2) 13396.53 16743.63 13614.38 13396.53
2.1 Wallets @ 8673.62 13381.80 9001.61 8673.62
2.2 Cards @ 4722.91 3361.82 4612.77 4722.91
3 Number of ATMs (3.1 to 3.2) 2.56 2.58 2.58 2.56
3.1 Bank owned ATMs $ 2.20 2.23 2.22 2.20
3.2 White Label ATMs $ 0.36 0.35 0.36 0.36
4 Number of Micro ATMs @ 14.82 17.55 14.68 14.82
5 Number of PoS Terminals 110.98 89.03 107.18 110.98
6 Bharat QR @ 67.18 62.50 65.48 67.18
7 UPI QR * 6579.30 3434.93 6496.91 6579.30

@: 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
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.
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.

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