Card payment value (credit + debit, PoS + online) against cash pulled out of ATMs, ₹ Lakh Crore
Digital valueATM cash value
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Transaction volume by channel
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Average ticket size — the behavioural story
Rising ATM and debit-online tickets against falling credit card tickets. Fewer, larger cash trips; more, smaller card taps.
CC PoSCC OnlineDC PoSDC OnlineATM Cash Out
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Early warning signals. These are the patterns in this quarter's return that tend to show up in the data before they show up in a results presentation — concentration, reversal, and divergence.
💰 The cash paradox
📉 Debit card at PoS — volume against ticket
Transactions falling while the average ticket climbs — the signature of UPI displacement
🏦 UPI QR codes — who owns the rails
💎 Monthly spend per credit card
Winners and losers — credit card online spend
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Digital share of payment value — the structural trend
Share of card-plus-ATM value that moves digitally rather than as cash. The 50% line is the one that matters.
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What digital value is actually made of
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Debit card is structurally in retreat
DC PoS volumeDC Online volumeCC PoS volume
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Credit card market share
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Card base growth — who is issuing
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Online credit card spend — the leaders and the chasers
Monthly online and e-commerce credit card value, ₹ crore, across ten reporting months
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Spend per card — the profitability tell
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UPI is the force behind every other trend on this page. The RBI's ATM & Card return captures UPI infrastructure — QR codes and terminals — but not UPI transaction flows, which NPCI publishes separately. What you see here is UPI's shadow: debit cards at PoS collapsing, ATMs rationalising, and QR deployment compounding.
Who actually runs India's UPI acceptance network
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Acceptance infrastructure — QR against terminals
UPI QR codes (crore, left axis) against PoS terminals and Bharat QR (lakh, right axis). Zero-cost QR is winning the merchant counter.
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Debit cards in force
Total outstanding debit cards, crore, across ten reporting months
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Where debit cards are still used
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Largest debit card issuers
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ATM network — on-site against off-site
Machines inside branches are being added; standalone off-site machines are being switched off.
On-site (in branch)Off-site (standalone)
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Cash out per machine
Monthly ATM cash withdrawn divided by machines deployed, ₹ lakh per ATM
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Who is adding ATMs and who is cutting
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Read this as a competitive map. Green is growth, red is contraction, and each row is one bank's year. The pattern across a row tells you more than any single cell — a bank green on cards but red on spend is issuing plastic that nobody is using.
Bank performance heatmap
Bank
CC cards
CC PoS value
CC online value
DC PoS value
DC online value
ATM cash out
Digital mix
Key Highlights
Digital mix is shown as a level, not a change: it is the share of a bank's total card-plus-ATM value that moves digitally. Every other column is year-on-year percentage change. Compare any two of these banks side by side →
The 2×2 that explains the landscape. Horizontal axis is digital mix — how much of a bank's payment value avoids cash. Vertical axis is credit card base growth. Bubble size is total payment value. Four very different strategic positions.