Skip to main content
Click here to Visit the RBI’s new website

BBBPLogo

Payment System Indicators

download file (492 kb) or PDF document (128 kb)
Payment System Indicators - February 2025
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2023-24 2024 February 2025 2025 FY 2023-24 2024 February 2025 2025
January February January February
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 43.04 3.60 4.88 3.72 259206893 21907760 30296790 25171733
1.1 Govt. Securities Clearing 16.80 1.46 1.77 1.16 170464587 14722762 17807347 14137926
1.1.1 Outright 9.51 0.87 1.10 0.63 13463848 1273135 1627265 1088598
1.1.2 Repo 4.94 0.39 0.41 0.33 76718788 6575139 7288494 5916603
1.1.3 Tri-party Repo 2.35 0.20 0.25 0.20 80281951 6874488 8891588 7132725
1.2 Forex Clearing 24.92 2.04 2.94 2.45 80984671 6537554 11164125 9957432
1.3 Rupee Derivatives @ 1.31 0.09 0.17 0.12 7757636 647444 1325318 1076374
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 2700.16 238.26 268.15 244.20 170886670 14614297 17499363 16099371
1.1 Customer Transactions 2686.04 237.09 266.89 243.05 152406168 13083464 15571748 14226027
1.2 Interbank Transactions 14.12 1.17 1.26 1.16 18480503 1530833 1927615 1873344
II Retail                
2 Credit Transfers - Retail 1486106.89 137733.21 186538.41 177394.61 67542859 6039675 7000487 6497660
2.1 AePS (Fund Transfers) @ 3.92 0.32 0.31 0.28 261 21 18 16
2.2 APBS $ 25888.17 2965.77 2263.21 3103.12 390743 48312 52280 57097
2.3 IMPS 60053.35 5346.35 4442.23 4048.29 6495652 568092 606420 563082
2.4 NACH Cr $ 16227.27 1504.81 1304.72 1533.06 1525104 123887 145699 140881
2.5 NEFT 72639.50 6889.23 8567.93 7647.93 39136014 3471495 3848033 3540103
2.6 UPI @ 1311294.68 121026.73 169960.01 161061.93 19995086 1827869 2348037 2196482
2.6.1 of which USSD @ 26.19 1.66 1.38 1.15 352 19 16 13
3 Debit Transfers and Direct Debits 18249.53 1611.25 1878.45 1862.80 1687658 153734 199535 193068
3.1 BHIM Aadhaar Pay @ 193.59 15.43 15.79 15.67 6112 376 486 494
3.2 NACH Dr $ 16426.49 1464.78 1715.83 1701.10 1678769 153173 198857 192387
3.3 NETC (linked to bank account) @ 1629.45 131.04 146.83 146.03 2777 184 193 186
4 Card Payments 58469.79 4634.92 5522.42 5052.09 2423563 190658 223090 201522
4.1 Credit Cards 35610.15 3112.44 4305.72 3969.59 1831134 149206 184126 167208
4.1.1 PoS based $ 18614.08 1618.50 2177.43 1999.96 651911 54431 69429 62125
4.1.2 Others $ 16996.08 1493.94 2128.29 1969.63 1179223 94775 114697 105083
4.2 Debit Cards 22859.64 1522.47 1216.69 1082.50 592429 41452 38963 34314
4.2.1 PoS based $ 16477.95 1108.96 910.91 803.42 393589 27918 25999 23216
4.2.2 Others $ 6381.69 413.51 305.78 279.07 198840 13534 12965 11098
5 Prepaid Payment Instruments 78775.40 6470.84 6547.10 6398.44 283048 22674 19496 19236
5.1 Wallets 63256.69 5211.85 4875.14 4850.75 234353 18434 14700 14404
5.2 Cards 15518.71 1259.00 1671.97 1547.69 48695 4240 4796 4833
5.2.1 PoS based $ 8429.87 702.41 701.18 641.84 11247 919 1000 969
5.2.2 Others  $ 7088.84 556.58 970.79 905.86 37447 3321 3796 3863
6 Paper-based Instruments 6632.10 541.88 516.61 462.02 7212333 602630 606756 540834
6.1 CTS (NPCI Managed) 6632.10 541.88 516.61 462.02 7212333 602630 606756 540834
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 150992.11 201003.00 191169.95 79149461 7009371 8049363 7452321
Total Payments (1+2+3+4+5+6) 1650933.88 151230.37 201271.14 191414.16 250036131 21623668 25548726 23551692
Total Digital Payments (1+2+3+4+5) 1644301.78 150688.49 200754.53 190952.14 242823799 21021038 24941970 23010857

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2023-24 2024 February 2025 2025 FY 2023-24 2024 February 2025 2025
January February January February
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 1252599.21 117275.04 158794.78 150031.46 30687088 2828120 3451865 3215517
1.1 Intra-bank $ 83000.56 7774.97 9234.72 8703.42 5676805 530845 607541 558355
1.2 Inter-bank $ 1169598.65 109500.07 149560.06 141328.04 25010283 2297275 2844325 2657162
2 Internet Payments (Netbanking / internet browser based) @ 45034.98 3800.36 4167.05 3648.03 102117736 8867591 11639721 10409819
2.1 Intra-bank @ 12033.28 1008.05 1212.87 1003.88 53247042 4540083 6130804 5354635
2.2 Inter-bank @ 33001.71 2792.31 2954.18 2644.15 48870694 4327508 5508917 5055184
B. ATMs                
3. Cash Withdrawal at ATMs $ 66440.72 5172.34 4910.07 4497.97 3259388 257238 251938 235618
3.1 Using Credit Cards $ 95.80 7.91 7.79 6.84 4648 395 412 370
3.2 Using Debit Cards $ 66001.01 5139.17 4883.53 4473.77 3241538 255809 250646 234408
3.3 Using Pre-paid Cards $ 343.90 25.26 18.75 17.36 13202 1034 879 840
4. Cash Withdrawal at PoS $ 15.18 0.55 0.27 0.22 148 5 3 2
4.1 Using Debit Cards $ 15.06 0.53 0.24 0.19 147 5 3 2
4.2 Using Pre-paid Cards $ 0.12 0.01 0.03 0.03 1 0 0 0
5. Cash Withdrawal at Micro ATMs @ 11754.95 812.15 915.09 921.64 314003 21543 23246 23605
5.1 AePS @ 11754.95 812.15 915.09 921.64 314003 21543 23246 23605

PART III - Payment Infrastructures (lakh)
  As on March 2024 2024
February		 2025 2025
January February
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 10667.22 10612.71 10909.12 10949.92
1.1 Credit Cards 1018.03 1006.00 1088.73 1093.15
1.2 Debit Cards 9649.19 9606.71 9820.39 9856.77
2 Number of PPIs @ 16743.63 17118.53 13463.21 13614.38
2.1 Wallets @ 13381.80 13795.76 8954.73 9001.61
2.2 Cards @ 3361.82 3322.78 4508.48 4612.77
3 Number of ATMs and CRMs 2.58 2.57 2.57 2.58
3.1 Bank owned ATMs$ and CRMs# 2.23 2.23 2.21 2.22
3.2 White Label ATMs $ 0.35 0.34 0.36 0.36
4 Number of Micro ATMs @ 17.55 17.01 14.74 14.68
5 Number of PoS Terminals 89.03 87.73 103.53 107.18
6 Bharat QR @ 62.50 61.50 64.43 65.48
7 UPI QR * 3434.93 3371.80 6401.65 6496.91

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
January February January February
1. Card Payments 108.47 97.96 8554 7404
1.1 Credit Cards 67.54 61.31 6350 5645
1.1.1 PoS based 25.27 22.65 1876 1681
1.1.2 Online 42.28 38.66 4474 3964
1.2 Debit Cards 40.93 36.65 2205 1759
1.2.1 PoS based 18.50 16.99 728 615
1.2.2 Online 22.43 19.67 1477 1144
2. Prepaid Payment Instruments 24.93 23.71 1098 935
2.1 PoS based 21.22 20.12 847 733
2.2 Online 3.71 3.59 251 202
3. Cash Withdrawal at ATMs 5.62 5.08 1392 1155
3.1 Using Credit Cards 0.36 0.35 64 63
3.2 Using Debit Cards 3.72 3.28 672 568
3.3 Using PPIs 1.54 1.45 656 524
Total International Payments 139.03 126.75 11044 9493

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
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.

Top