CMS Report Highlights Resilient Consumer Spending in CY’25
ECONOMY & POLICY

CMS Report Highlights Resilient Consumer Spending in CY’25

CMS Info Systems Limited (CMS), India’s leading business services company offering logistics and technology-led solutions, has released India’s Consumption Story CY’25 – CMS Consumption Report, the fourth edition of its flagship annual study tracking consumption trends across the country.

Commenting on the findings, Anush Raghavan, Chief Business Officer, CMS Info Systems, said the report highlights the resilience of Indian consumers amid macroeconomic headwinds and GST reforms. He noted that households are rebalancing priorities rather than reducing spending, with consumption increasingly focused on value, protection and utility. Sustained cash usage, particularly across semi-urban and rural India (SURU), continues to anchor spending behaviour, while organised retail and consumer durables have benefited from policy-led price rationalisation and festive demand.

The report indicates that retail consumption remains broad-based and resilient, with annual growth across insurance, organised retail chains and consumer durables, signalling a shift towards more formal and regulated consumption patterns.

Cash continues to play a structural role in India’s consumption ecosystem, with the average cash dispensed per ATM standing at Rs 12.1 million in CY’25, peaking at Rs 13.0 million during the festive period in November 2025.

India’s monthly average ATM withdrawal ticket size increased by 4.5 per cent in CY’25 to Rs 5,835 from Rs 5,586 in CY’24. SURU regions maintained leadership in ATM cash withdrawals, with an annual average of Rs 13.0 million per ATM, compared with Rs 11.8 million in metro cities and Rs 11.1 million in urban centres.

CMS Info Systems Limited (CMS), India’s leading business services company offering logistics and technology-led solutions, has released India’s Consumption Story CY’25 – CMS Consumption Report, the fourth edition of its flagship annual study tracking consumption trends across the country.Commenting on the findings, Anush Raghavan, Chief Business Officer, CMS Info Systems, said the report highlights the resilience of Indian consumers amid macroeconomic headwinds and GST reforms. He noted that households are rebalancing priorities rather than reducing spending, with consumption increasingly focused on value, protection and utility. Sustained cash usage, particularly across semi-urban and rural India (SURU), continues to anchor spending behaviour, while organised retail and consumer durables have benefited from policy-led price rationalisation and festive demand.The report indicates that retail consumption remains broad-based and resilient, with annual growth across insurance, organised retail chains and consumer durables, signalling a shift towards more formal and regulated consumption patterns.Cash continues to play a structural role in India’s consumption ecosystem, with the average cash dispensed per ATM standing at Rs 12.1 million in CY’25, peaking at Rs 13.0 million during the festive period in November 2025.India’s monthly average ATM withdrawal ticket size increased by 4.5 per cent in CY’25 to Rs 5,835 from Rs 5,586 in CY’24. SURU regions maintained leadership in ATM cash withdrawals, with an annual average of Rs 13.0 million per ATM, compared with Rs 11.8 million in metro cities and Rs 11.1 million in urban centres.

Related Stories

Gold Stories

Next Story
Resources

Schindler named among Forbes’ World’s Best Employers 2026

Schindler has been named among Forbes’ World’s Best Employers 2026, a global ranking recognising companies for their workplace environments.Compiled by Forbes in partnership with Statista, the ranking is based on independent employee feedback, including whether employees would recommend their organisation to friends and family.The company said the recognition reflected its focus on creating a workplace where employees can develop their expertise and build careers. ..

Next Story
Infrastructure Urban

India needs an export-execution mindset: Vishesh Jain

Interview with Vishesh Jain, Founder & CEO, EximpleWhat gaps in India’s global trade ecosystem led you to build Eximple, and what problem did you see businesses struggling with most?Eximple came out of a problem that all three founders had seen from different choke points in the trade ecosystem. India has millions of MSMEs and manufacturers, and many of them can make products that are genuinely competitive on quality. Yet only a small fraction is able to build meaningful international businesses. In our experience, the gap is usually not manufacturing capability; it is the ability to exe..

Next Story
Building Material

Nuvoco reports 13.5% revenue growth in Q2 FY27

Nuvoco Vistas Corp. Ltd. reported consolidated revenue of Rs 27.9 billion for Q2 FY27, up 13.5% year on year. Cement sales volume rose 9% to 4.7 million tonnes (MMT), while EBITDA increased 11% to Rs 4.11 billion.The company said it began its cement operations in 2014 with a 2.3 MMT per annum (MMTPA) operation at Nimbol. It now aims to reach 35 MMTPA of cement capacity by FY28, nearly 15 times its initial capacity. Its portfolio spans cement, ready-mix concrete and modern building materials.On sustainability and cost efficiency, Nuvoco partnered with CleanMax for a 46.4 MW wind-solar hybrid re..

Advertisement

Subscribe to Our Newsletter

Get daily newsletters around different themes from Construction world.

STAY CONNECTED

Advertisement

SPECIAL OFFER
QR Code