INDIA’S CONSUMPTION STORY CY’25
India’s consumption engine continues to warm up as rising incomes, improving accessibility, and growing aspirations lend support to consumption activity at the household level in CY’25. The 4th edition of the CMS Consumption Report reflects cash-led spending patterns of Indians and highlights that demand is growing beyond the metro cities.
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India’s ₹100 consumption spend in 2025: Wallet share across key expenditures
High-ticket categories drive 60%+ purchases
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Retail sectoral spends CY’25: Festive season and GST reforms are key drivers
Growth in Consumption (CY’25 y-o-y )
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Decoding the Cash Landscape
Monthly Average Cash Dispensed per ATM in CY’25
₹1.21 cr
Monthly Average Cash Dispensed per ATM in CY'25
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Rising ATM ticket sizes signal stronger consumer cash usage
Monthly Average Ticket Size of ATM Withdrawals
Average ATM withdrawal ticket sizes in CY’25 show a clear upward bias, reflecting higher cash requirements per transaction and strengthening consumption intensity. The average ticket size for the year stood at ₹5,835, with monthly values consistently remaining well above ₹5,700.
This momentum remained strong through the festive period, with October (₹5,846) and December (₹5,829) registering some of the highest average withdrawal values.
In contrast, a modest softening was observed during the monsoon months of July and August, when ticket sizes dipped to ₹5,713 and ₹5,697 respectively, in line with seasonal moderation in spending. However, even during this period, ticket sizes remained materially higher than historical averages, underscoring the structural nature of the increase.
Webpage data source : CMS
CMS Consumption Report
Download India’s Consumption Story 2025 report to explore spending priorities, evolving consumption patterns and to decode country’s cash landscape.