Payments ReportIndia payment statistics from RBI and NPCI

UPI

UPI overview UPI apps UPI banks and declines AutoPay and IPO mandates Market share and the 30% cap Merchant categories States and districts

Systems

All payment systems NEFT RTGS IMPS NACH and APBS AePS FASTag Cheques Bill payments (BBPS)Mobile banking Internet banking BHIM app

Cards and cash

Credit and debit cards Credit card issuers ATMs, PoS and QR codes Wallets and prepaid cards Cash and the e-rupee Cash and digital compared

Money abroad

Money sent abroad (LRS)LRS: travel LRS: studies abroad LRS: maintenance of relatives LRS: gifts LRS: equity and debt Personal transfers in and out Indian cards used abroad Remittances received over IMPS

Banks

All banks Reliability: declines and downtime Jan Dhan accounts Compare banks and apps

Data

This month so far Month in payments Financial year Records Busiest days and Diwali Digital Payments Index Downloads Data status Sources Methodology

Search banks, UPI apps, states, categories

Currency in circulation grew 13.4% in the year to September 2026 while digital retail payments grew 15.5%. ATM withdrawals against UPI merchant payments, from RBI and NPCI.

Cash and digital payments in India

Name: Cash and digital payments in India
Creator: Payments Report
License: https://creativecommons.org/licenses/by/4.0/

Has digital payment replaced cash? Currency in circulation against digital retail payments, and cash taken out of ATMs against UPI payments to merchants, from RBI and NPCI.

UPIOverview Apps Banks Mandates Market share Merchant categories States

SystemsAll systems NEFT RTGS IMPS NACH AePS FASTag Cheques Bill payments (BBPS)Mobile banking Internet banking BHIM

Cards and cashCards Card issuers ATMs and PoS Wallets Cash and the e-rupee Cash and digitalMoney abroadMoney sent abroad (LRS)Cards used abroad

BanksAll banks Reliability Jan Dhan accounts Compare

DataThis month so far Month in payments Financial year Records Busiest days and Diwali Digital Payments Index Downloads Data status

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Data from the Reserve Bank of India and NPCI. Last updated 2 Nov 2026.Independent project, not affiliated with RBI, NPCI or any bank or app named here. Not financial advice. Terms, privacy and licence.