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Payment System Indicators

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Payment System Indicators - Decmber 2024
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2023-24 2023 December 2024 2024 FY 2023-24 2023 December 2024 2024
November December November December
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 43.04 3.41 2.61 3.78 259206893 22228644 20592498 27448820
1.1 Govt. Securities Clearing 16.80 1.29 1.10 1.49 170464587 14220985 13954925 16506680
1.1.1 Outright 9.51 0.69 0.54 0.84 13463848 1009116 847485 1348782
1.1.2 Repo 4.94 0.40 0.35 0.41 76718788 5903343 5366007 6377679
1.1.3 Tri-party Repo 2.35 0.20 0.20 0.24 80281951 7308526 7741434 8780219
1.2 Forex Clearing 24.92 2.01 1.40 2.16 80984671 7392675 5972544 9919285
1.3 Rupee Derivatives @ 1.31 0.11 0.11 0.13 7757636 614984 665029 1022855
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 2700.16 230.39 240.29 262.29 170886670 15888778 14826882 19163587
1.1 Customer Transactions 2686.04 229.23 239.16 261.11 152406168 14244586 13504833 17161423
1.2 Interbank Transactions 14.12 1.16 1.12 1.17 18480503 1644192 1322050 2002163
II Retail                
2 Credit Transfers - Retail 1486106.89 134755.92 170358.50 183786.41 67542859 5917191 6274182 6935632
2.1 AePS (Fund Transfers) @ 3.92 0.32 0.30 0.31 261 23 14 17
2.2 APBS $ 25888.17 1580.49 2250.97 2451.41 390743 27013 32384 58705
2.3 IMPS 60053.35 4987.93 4079.18 4411.64 6495652 570126 558328 601549
2.4 NACH Cr $ 16227.27 1310.99 1438.33 1315.94 1525104 128244 147385 135695
2.5 NEFT 72639.50 6673.93 7769.51 8307.02 39136014 3368836 3380884 3814966
2.6 UPI @ 1311294.68 120202.26 154820.21 167300.09 19995086 1822949 2155187 2324700
2.6.1 of which USSD @ 26.19 2.06 1.56 1.56 352 26 16 16
3 Debit Transfers and Direct Debits 18249.53 1557.74 1894.74 1905.47 1687658 152705 185643 198303
3.1 BHIM Aadhaar Pay @ 193.59 14.09 19.29 17.18 6112 478 629 547
3.2 NACH Dr $ 16426.49 1403.46 1732.94 1738.32 1678769 151991 184814 197549
3.3 NETC (linked to bank account) @ 1629.45 140.19 142.51 149.97 2777 237 200 207
4 Card Payments 58469.79 4983.15 5171.02 5614.06 2423563 213054 208387 228757
4.1 Credit Cards 35610.15 3215.00 3936.04 4331.22 1831134 165119 169298 188086
4.1.1 PoS based $ 18614.08 1706.70 2036.02 2242.76 651911 58300 68233 73185
4.1.2 Others $ 16996.08 1508.29 1900.02 2088.46 1179223 106819 101065 114901
4.2 Debit Cards 22859.64 1768.16 1234.98 1282.84 592429 47935 39089 40671
4.2.1 PoS based $ 16477.95 1301.59 919.33 967.24 393589 32225 26756 27681
4.2.2 Others $ 6381.69 466.56 315.65 315.60 198840 15709 12333 12990
5 Prepaid Payment Instruments 78775.40 7235.20 5847.81 6377.99 283048 26173 19214 18992
5.1 Wallets 63256.69 5960.57 4462.09 4830.75 234353 21732 13130 14437
5.2 Cards 15518.71 1274.63 1385.72 1547.24 48695 4441 6083 4556
5.2.1 PoS based $ 8429.87 709.65 663.27 684.93 11247 915 915 991
5.2.2 Others  $ 7088.84 564.98 722.45 862.31 37447 3526 5168 3565
6 Paper-based Instruments 6632.10 547.23 472.48 506.56 7212333 592972 537849 587879
6.1 CTS (NPCI Managed) 6632.10 547.23 472.48 506.56 7212333 592972 537849 587879
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 149079.24 183744.55 198190.49 79149461 6902095 7225275 7969563
Total Payments (1+2+3+4+5+6) 1650933.88 149309.63 183984.84 198452.78 250036131 22790873 22052158 27133149
Total Digital Payments (1+2+3+4+5) 1644301.78 148762.40 183512.36 197946.22 242823799 22197901 21514309 26545270

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2023-24 2023
December		 2024 2024 FY 2023-24 2023
December		 2024 2024
November December November December
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 1252599.21 116329.75 144940.05 156761.97 30687088 2804467 3215460 3455692
1.1 Intra-bank $ 83000.56 7372.04 8518.57 9183.18 5676805 508669 598558 618348
1.2 Inter-bank $ 1169598.65 108957.71 136421.48 147578.78 25010283 2295798 2616902 2837344
2 Internet Payments (Netbanking / internet browser based) @ 45034.98 3836.26 3624.01 4036.42 102117736 9388620 9002230 11058871
2.1 Intra-bank @ 12033.28 1050.96 1024.09 1153.98 53247042 4862570 4483631 5617543
2.2 Inter-bank @ 33001.71 2785.31 2599.92 2882.45 48870694 4526051 4518598 5441328
B. ATMs                
3. Cash Withdrawal at ATMs $ 66440.72 5463.60 4760.71 4950.77 3259388 269288 241717 252471
3.1 Using Credit Cards $ 95.80 8.19 7.75 8.12 4648 405 410 429
3.2 Using Debit Cards $ 66001.01 5428.47 4734.61 4923.54 3241538 267843 240471 251161
3.3 Using Pre-paid Cards $ 343.90 26.94 18.35 19.11 13202 1041 837 881
4. Cash Withdrawal at PoS $ 15.18 0.66 0.28 0.29 148 6 3 3
4.1 Using Debit Cards $ 15.06 0.66 0.27 0.26 147 6 3 3
4.2 Using Pre-paid Cards $ 0.12 0.00 0.02 0.03 1 0 0 0
5. Cash Withdrawal at Micro ATMs @ 11754.95 929.51 898.33 910.87 314003 24592 22981 23195
5.1 AePS @ 11754.95 929.51 898.33 910.87 314003 24592 22981 23195

PART III - Payment Infrastructures (lakh)
  As on March 2024 2023
December		 2024 2024
November December
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 10667.22 10587.85 10868.11 10990.04
1.1 Credit Cards 1018.03 979.05 1072.40 1080.56
1.2 Debit Cards 9649.19 9608.81 9795.72 9909.48
2 Number of PPIs @ 16743.63 17544.34 15624.08 13285.65
2.1 Wallets @ 13381.80 14293.01 11460.53 8904.25
2.2 Cards @ 3361.82 3251.33 4163.55 4381.40
3 Number of ATMs and CRMs 2.58 2.58 2.55 2.55
3.1 Bank owned ATMs$ and CRMs# 2.23 2.24 2.20 2.19
3.2 White Label ATMs $ 0.35 0.34 0.35 0.36
4 Number of Micro ATMs @ 17.55 16.89 14.43 14.67
5 Number of PoS Terminals 89.03 85.67 96.91 100.01
6 Bharat QR @ 62.50 59.57 63.60 63.83
7 UPI QR * 3434.93 3170.66 6260.92 6334.39


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 2024 2024 2024
November December November December
1. Card Payments 114.04 119.91 8514 8965
1.1 Credit Cards 71.79 75.29 6433 6688
1.1.1 PoS based 28.38 30.24 2100 2210
1.1.2 Online 43.41 45.05 4333 4478
1.2 Debit Cards 42.24 44.62 2081 2277
1.2.1 PoS based 19.97 20.84 805 835
1.2.2 Online 22.27 23.78 1276 1443
2. Prepaid Payment Instruments 32.04 30.13 1216 1178
2.1 PoS based 27.59 25.97 977 945
2.2 Online 4.45 4.15 239 233
3. Cash Withdrawal at ATMs 6.17 6.28 1378 1391
3.1 Using Credit Cards 0.46 0.43 87 72
3.2 Using Debit Cards 3.94 4.16 702 746
3.3 Using PPIs 1.77 1.69 588 573
Total International Payments 152.25 156.31 11107 11534

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
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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