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Payment System Indicators

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Payment System Indicators - January 2025
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.

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