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Pictorial Representation of Trends in Payment Systems

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Monthly Payment System Indicators - February 2025

1. Digital Payments – Volume and Value

Chart - 1: Trends in Digital Payment Transactions

2. Total Payments – Volume and Value

Chart - 2: Trends in Total Transactions

3. Total Retail Payments – Volume and Value

Chart - 3: Trends in Total Retail Payment Transactions

4. Digital Retail Payments – Volume and Value

Chart - 4: Trends in Total Digital Retail Payment Transactions

5.Comparison of WHOLESALE and RETAIL Payment Systems

a. Comparison of Payments Volume

Chart - 5 : Trends in Payments Volume

b. Comparison of Payments Value

Chart - 6 : Trends in Payments Value

6.RBI Operated Payment Systems

a. Real Time Gross Settlement (RTGS)

Chart - 7 : Trends in RTGS Transactions

b. National Electronic Funds Transfer (NEFT)

Chart - 8 : Trends in NEFT Transactions

7. NPCI Operated Fast Payment Systems - Unified Payments Interface (UPI) and Immediate Payment System (IMPS)

Chart -9: Trends in IMPS and UPI Transactions

8.Other NPCI Operated Payment Systems

a. Bharat Interface for Money (BHIM) Aadhar Pay

Chart - 10 : Trends in BHIM Aadhar Pay Transactions

b. National Electronic Toll Collection (NETC) (Linked to Bank Account)

Chart - 11 : Trends in NETC Transactions

c. National Automated Clearing House (NACH) - Credit and Debit

Chart -12 : Trends in NACH Credit and Debit Transactions

9.Cards and Prepaid Payment Instruments (PPIs)

a. Debit and Credit Cards

Chart -13: Trends in Credit and Debit card Payment Transactions

b. PPI Wallets and Cards Usage

Chart -14: Trends in PPI Payment Transactions

10. Paper Operated Payment System - Cheque Truncation System (CTS)

Chart - 15 : Trends in CTS Transactions

11. Card Acceptance Infrastructure and QR Codes

a. Card Acceptance Infrastructure

Chart -16 : Trends in Card Acceptance Infrastructure

b. UPI QR Codes

Chart -17 : Trends in Outstanding UPI QR codes

12. Payment System Wise Volume and Value Share

a. Digital Payment Volume Share

Chart 18 - Trends in Percentage share of Digital Payments Volume

b. Digital Payment Value Share

Chart 19 - Trends in Percentage share of Digital Payments Value

13. Ticket size

a. Ticket Size of Retail Payment Systems

Chart 20 - Trends in Ticket Size (in ₹) - Retail Payment Systems

b. Ticket Size of NEFT and RTGS Payment Systems

Chart - 21 - Trends in Ticket Size - RTGS and NEFT

14. Trade Receivables Discounting System (TReDS)

a. TReDS - Invoices Uploaded and Financed

Chart -22: Trends in TReDS Invoices Uploaded and Financed

b. TReDS - Buyers and Sellers Onboarded

Chart -23 : Trends in TReDS - Buyers and Sellers Onboarded

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