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CMS Report: India's Cash Usage Resilient with ₹1.21 Cr Avg ATM Dispense in CY'25
CMS Info Systems' CY'25 Consumption Report highlights the structural resilience of cash in India, with average ATM withdrawals rising 4.5% to ₹5,835. Semi-urban and rural (SURU) areas are driving growth, recording higher average ATM cash withdrawals (₹1.30 Cr) than metros (₹1.18 Cr). The report notes a 32% growth in Insurance and 22% in Organised Retail spending, while E-commerce cash spends dropped 20%. This data reinforces the stability of CMSINFO's core cash logistics business despite the rise of digital payments.
Key Highlights
Average cash dispensed per ATM reached ₹1.21 Cr in CY'25, with a festive peak of ₹1.30 Cr in November.
ATM withdrawal ticket size grew 4.5% YoY to ₹5,835; SURU regions outperformed metros in cash demand.
Insurance sector spending grew by 32%, while Organised Retail Chains saw a 22% increase.
E-commerce and Media & Entertainment cash-based spending declined by 20% and 15% respectively.
💼 Action for Investors
The resilience of cash usage in rural India and growth in organized retail support the long-term outlook for CMSINFO's cash logistics and managed services. Investors should monitor the company's ability to capture the broadening consumption demand beyond metros.