| Pakistan: Card-Based Transactions | ||||||
|---|---|---|---|---|---|---|
| Q3-FY25 | Q4-FY25 | Q1-FY26P | ||||
| Details | Volume in million | Value in billion-Rs | Volume in million | Value in billion-Rs | Volume in million | Value in billion-Rs |
| ATM Transactions | ||||||
| ATMs only Cards | – | – | – | – | – | – |
| Debit Cards | 273.3 | 4,639.0 | 257.6 | 4,342.3 | 267.7 | 4,411.9 |
| Credit Cards | 0.2 | 3.0 | 0.2 | 3.5 | 1.1 | 19.1 |
| Pre-Paid Cards | 0.0 | 0.4 | 0.0 | 0.5 | 0.0 | 0.6 |
| Social Welfare Cards | 0.3 | 5.3 | 1.6 | 39.5 | 0.1 | 0.3 |
| Total Transactions | 273.8 | 4,647.7 | 259.5 | 4,385.8 | 268.9 | 4,431.9 |
| POS Transactions | ||||||
| Debit Cards | 83.1 | 400.7 | 89.9 | 404.0 | 102.9 | 416.3 |
| Credit Cards | 24.0 | 187.9 | 26.4 | 197.2 | 28.8 | 260.9 |
| Pre-Paid Cards | 0.0 | 0.1 | 0.0 | 0.1 | 0.0 | 0.1 |
| Total Transactions | 107.1 | 588.8 | 116.3 | 601.4 | 131.7 | 677.3 |
| E-Commerce Transactions | ||||||
| Debit Cards | 22.2 | 82.2 | 24.4 | 87.4 | 23.8 | 83.7 |
| Credit Cards | 5.5 | 42.7 | 5.6 | 40.8 | 6.0 | 50.9 |
| Pre-Paid Cards | 0.2 | 0.7 | 0.2 | 0.7 | 0.1 | 0.3 |
| Total Transactions | 27.9 | 125.6 | 30.2 | 128.9 | 29.9 | 134.8 |
| Paper-Based Transactions (Banks/MFB Branches) | ||||||
|---|---|---|---|---|---|---|
| Q3-FY25 | Q4-FY25 | Q1-FY26P | ||||
| Transaction Type | Volume in million | Value in billion-Rs | Volume in million | Value in billion-Rs | Volume in million | Value in billion-Rs |
| Cash Deposit | 21.7 | 6,672.2 | 20.9 | 7,436.3 | 22.3 | 7,432.0 |
| Cash Deposit (RTOB) | 22.1 | 6,495.1 | 20.2 | 6,849.4 | 21.3 | 6,438.7 |
| Cash Withdrawal | 38.4 | 7,870.7 | 32.9 | 7,600.3 | 33.5 | 6,916.7 |
| Cash Withdrawal (RTOB) | 10.7 | 2,907.3 | 9.2 | 2,903.1 | 9.5 | 2,738.6 |
| Intra-Bank FT | 9.9 | 39,500.6 | 8.7 | 46,146.6 | 9.0 | 54,326.5 |
| Intra-Bank FT (RTOB) | 16.7 | 38,075.9 | 17.7 | 20,700.6 | 16.4 | 18,962.4 |
| Inter-Bank FT | 8.5 | 8,960.9 | 7.6 | 9,578.9 | 7.7 | 8,462.9 |
| PO/DD/Banker’s Cheque | 1.8 | 3,470.8 | 1.6 | 3,490.8 | 1.7 | 2,865.8 |
| Utility Bill Payments | 14.0 | 610.5 | 14.5 | 668.8 | 15.2 | 753.4 |
| Others Instruments | 0.2 | 1,185.3 | 0.2 | 740.5 | 0.1 | 578.8 |
| Total Transactions | 144.1 | 115,749.1 | 133.7 | 106,115.4 | 136.7 | 109,475.7 |
| BISP Financial and Physical Achievements (Rs billion) | |||||
|---|---|---|---|---|---|
| Year | Budget Estimates | Cash Transfer | Number of Beneficiaries (million) | ||
| Conditional Cash Transfer (CCT) | Unconditional Cash Transfer (UCT) | Total (UCT+CCT) | |||
| 2008-09 | 15.32 | 0.04 | 15.81 | 15.85 | 1.76 |
| 2009-10 | 39.94 | 2.89 | 31.94 | 34.83 | 2.58 |
| 2010-11 | 34.42 | 5.30 | 29.66 | 34.96 | 3.10 |
| 2011-12 | 49.53 | 4.28 | 41.60 | 45.88 | 3.68 |
| 2012-13 | 50.10 | 3.17 | 43.30 | 46.47 | 3.75 |
| 2013-14 | 69.62 | 1.20 | 65.11 | 66.31 | 4.64 |
| 2014-15 | 91.78 | 0.45 | 88.59 | 89.04 | 5.05 |
| 2015-16 | 102.00 | 1.88 | 96.65 | 98.53 | 5.21 |
| 2016-17 | 111.50 | 2.27 | 102.10 | 104.37 | 5.46 |
| 2017-18 | 107.00 | 3.20 | 99.00 | 102.20 | 5.63 |
| 2018-19 | 116.50 | 4.01 | 104.60 | 108.61 | 5.78 |
| 2019-20 | 243.71 | 3.70 | 228.67 | 232.37 | 9.10 |
| 2020-21 | 194.29 | 5.57 | 169.40 | 174.97 | 7.06 |
| 2021-22 | 235.63 | 25.35 | 193.74 | 219.09 | 7.76 |
| 2022-23 | 412.33 | 61.24 | 332.91 | 394.15 | 9.00 |
| 2023-24 | 471.68 | 94.38 | 360.17 | 454.55 | 9.30 |
| 2024-25 | 598.72 | 57.17 | 328.47 | 385.64 | 9.87 |
| Total | 2,944.07 | 276.09 | 2,331.72 | 2,607.81 | – |