Payment System Indicators - April 2024 - আৰবিআই - Reserve Bank of India
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Payment System Indicators - April 2024
Payment System Indicators | ||||||||
PART I - Payment System Indicators - Payment & Settlement System Statistics | ||||||||
Volume (lakh) | Value (₹ crore) | |||||||
FY 2023-24 | 2023 April |
2024 | 2024 | FY 2023-24 | 2023 April |
2024 | 2024 | |
March | April | March | April | |||||
1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
A. Settlement Systems | ||||||||
Financial Market Infrastructures (FMIs) | ||||||||
1 CCIL Operated Systems | 43.04 | 3.21 | 3.48 | 3.53 | 259206893 | 20115131 | 21627756 | 22115118 |
1.1 Govt. Securities Clearing | 16.80 | 1.32 | 1.14 | 1.25 | 170464587 | 13093142 | 13374679 | 14132535 |
1.1.1 Outright | 9.51 | 0.79 | 0.60 | 0.68 | 13463848 | 1158660 | 981057 | 1023439 |
1.1.2 Repo | 4.94 | 0.36 | 0.35 | 0.38 | 76718788 | 6633808 | 6226720 | 6510577 |
1.1.3 Tri-party Repo | 2.35 | 0.17 | 0.19 | 0.19 | 80281951 | 5300674 | 6166902 | 6598519 |
1.2 Forex Clearing | 24.92 | 1.79 | 2.27 | 2.17 | 80984671 | 6450151 | 7795104 | 7343662 |
1.3 Rupee Derivatives @ | 1.31 | 0.09 | 0.07 | 0.11 | 7757636 | 571838 | 457973 | 638922 |
B. Payment Systems | ||||||||
I Financial Market Infrastructures (FMIs) | ||||||||
1 Credit Transfers - RTGS | 2700.16 | 201.57 | 278.47 | 235.59 | 170886670 | 11876806 | 18128366 | 14433296 |
1.1 Customer Transactions | 2686.04 | 200.44 | 277.25 | 234.46 | 152406168 | 10452024 | 16588625 | 12800746 |
1.2 Interbank Transactions | 14.12 | 1.13 | 1.22 | 1.12 | 18480503 | 1424781 | 1539741 | 1632550 |
II Retail | ||||||||
2 Credit Transfers - Retail | 1486106.89 | 100492.45 | 152969.08 | 149083.29 | 67542859 | 4834441 | 7152557 | 5845989 |
2.1 AePS (Fund Transfers) @ | 3.92 | 0.36 | 0.34 | 0.29 | 261 | 25 | 22 | 19 |
2.2 APBS $ | 25888.17 | 1066.77 | 3014.53 | 2535.32 | 390743 | 19744 | 44707 | 36959 |
2.3 IMPS | 60053.35 | 4957.93 | 5806.36 | 5503.65 | 6495652 | 521050 | 634706 | 592279 |
2.4 NACH Cr $ | 16227.27 | 1009.42 | 1808.71 | 964.06 | 1525104 | 117079 | 173928 | 121718 |
2.5 NEFT | 72639.50 | 4825.37 | 7939.10 | 7040.03 | 39136014 | 2761038 | 4320840 | 3130549 |
2.6 UPI @ | 1311294.68 | 88632.60 | 134400.04 | 133039.94 | 19995086 | 1415505 | 1978353 | 1964465 |
2.6.1 of which USSD @ | 26.19 | 1.64 | 1.78 | 1.52 | 352 | 19 | 20 | 18 |
3 Debit Transfers and Direct Debits | 18249.53 | 1398.58 | 1661.00 | 1644.10 | 1687658 | 120185 | 165047 | 159006 |
3.1 BHIM Aadhaar Pay @ | 193.59 | 16.09 | 22.68 | 20.50 | 6112 | 604 | 584 | 563 |
3.2 NACH Dr $ | 16426.49 | 1242.93 | 1492.00 | 1494.37 | 1678769 | 119338 | 164223 | 158223 |
3.3 NETC (linked to bank account) @ | 1629.45 | 139.56 | 146.32 | 129.23 | 2777 | 243 | 240 | 220 |
4 Card Payments | 58469.79 | 4887.94 | 5034.13 | 4960.12 | 2423563 | 187396 | 209208 | 200409 |
4.1 Credit Cards | 35610.15 | 2592.55 | 3439.38 | 3441.51 | 1831134 | 132769 | 164459 | 156498 |
4.1.1 PoS based $ | 18614.08 | 1408.20 | 1800.04 | 1843.36 | 651911 | 51624 | 60378 | 61982 |
4.1.2 Others $ | 16996.08 | 1184.35 | 1639.34 | 1598.15 | 1179223 | 81144 | 104081 | 94516 |
4.2 Debit Cards | 22859.64 | 2295.38 | 1594.75 | 1518.61 | 592429 | 54627 | 44749 | 43911 |
4.2.1 PoS based $ | 16477.95 | 1633.96 | 1163.77 | 1126.33 | 393589 | 37647 | 29309 | 30022 |
4.2.2 Others $ | 6381.69 | 661.43 | 430.98 | 392.28 | 198840 | 16980 | 15440 | 13889 |
5 Prepaid Payment Instruments | 78775.40 | 6442.16 | 5804.85 | 5288.79 | 283048 | 22634 | 18200 | 14964 |
5.1 Wallets | 63256.69 | 5153.28 | 4489.88 | 3993.29 | 234353 | 18901 | 13741 | 10507 |
5.2 Cards | 15518.71 | 1288.88 | 1314.97 | 1295.49 | 48695 | 3733 | 4459 | 4457 |
5.2.1 PoS based $ | 8429.87 | 676.69 | 699.02 | 695.13 | 11247 | 1079 | 964 | 962 |
5.2.2 Others $ | 7088.84 | 612.19 | 615.95 | 600.37 | 37447 | 2653 | 3495 | 3495 |
6 Paper-based Instruments | 6632.10 | 554.06 | 585.31 | 525.73 | 7212333 | 639281 | 688745 | 667829 |
6.1 CTS (NPCI Managed) | 6632.10 | 554.06 | 585.31 | 525.73 | 7212333 | 639281 | 688745 | 667829 |
6.2 Others | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Total Retail Payments (2+3+4+5+6) | 1648233.71 | 113775.18 | 166054.37 | 161502.02 | 79149461 | 5803936 | 8233757 | 6888198 |
Total Payments (1+2+3+4+5+6) | 1650933.88 | 113976.75 | 166332.85 | 161737.61 | 250036131 | 17680742 | 26362123 | 21321494 |
Total Digital Payments (1+2+3+4+5) | 1644301.78 | 113422.69 | 165747.54 | 161211.88 | 242823799 | 17041461 | 25673378 | 20653665 |
PART II - Payment Modes and Channels |
||||||||
Volume (lakh) | Value (₹ crore) | |||||||
FY 2023-24 | 2023 April |
2024 | 2024 | FY 2023-24 | 2023 April |
2024 | 2024 | |
March | April | March | April | |||||
1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
A. Other Payment Channels | ||||||||
1 Mobile Payments (mobile app based) | 1252599.21 | 83357.17 | 128625.58 | 128494.90 | 30687088 | 2154813 | 3131961 | 2993588 |
1.1 Intra-bank $ | 83000.56 | 5789.55 | 8771.04 | 8743.81 | 5676805 | 402248 | 602816 | 566077 |
1.2 Inter-bank $ | 1169598.65 | 77567.62 | 119854.54 | 119751.09 | 25010283 | 1752564 | 2529145 | 2427511 |
2 Internet Payments (Netbanking / internet browser based) @ | 45034.98 | 3406.05 | 4250.54 | 3756.42 | 102117736 | 7036658 | 10374045 | 8806290 |
2.1 Intra-bank @ | 12033.28 | 855.07 | 1142.99 | 964.52 | 53247042 | 3713764 | 5235835 | 4498614 |
2.2 Inter-bank @ | 33001.71 | 2550.98 | 3107.55 | 2791.90 | 48870694 | 3322894 | 5138210 | 4307676 |
B. ATMs | ||||||||
3. Cash Withdrawal at ATMs $ | 66440.72 | 5707.20 | 5563.96 | 5240.40 | 3259388 | 282873 | 278271 | 265905 |
3.1 Using Credit Cards $ | 95.80 | 7.49 | 8.83 | 9.07 | 4648 | 357 | 446 | 458 |
3.2 Using Debit Cards $ | 66001.01 | 5667.31 | 5528.63 | 5207.60 | 3241538 | 281248 | 276714 | 264457 |
3.3 Using Pre-paid Cards $ | 343.90 | 32.40 | 26.50 | 23.73 | 13202 | 1269 | 1111 | 990 |
4. Cash Withdrawal at PoS $ | 15.18 | 2.11 | 0.53 | 0.52 | 148 | 21 | 5 | 5 |
4.1 Using Debit Cards $ | 15.06 | 2.09 | 0.51 | 0.50 | 147 | 21 | 5 | 5 |
4.2 Using Pre-paid Cards $ | 0.12 | 0.02 | 0.02 | 0.02 | 1 | 0 | 0 | 0 |
5. Cash Withdrawal at Micro ATMs @ | 11754.95 | 998.82 | 1059.56 | 919.05 | 314003 | 28954 | 27303 | 24502 |
5.1 AePS @ | 11754.95 | 998.82 | 1059.56 | 919.05 | 314003 | 28954 | 27303 | 24502 |
PART III - Payment Infrastructures (lakh) | ||||
As on March 2024 | 2023 April |
2024 | 2024 | |
March | April | |||
1 | 2 | 3 | 4 | |
Payment System Infrastructures | ||||
1 Number of Cards | 10667.22 | 10535.25 | 10667.22 | 10719.55 |
1.1 Credit Cards | 1018.03 | 865.13 | 1018.03 | 1025.40 |
1.2 Debit Cards | 9649.19 | 9670.12 | 9649.19 | 9694.15 |
2 Number of PPIs @ | 16743.63 | 16585.84 | 16743.63 | 14716.82 |
2.1 Wallets @ | 13381.80 | 13338.66 | 13381.80 | 11294.83 |
2.2 Cards @ | 3361.82 | 3247.17 | 3361.82 | 3421.99 |
3 Number of ATMs and CRMs | 2.58 | 2.55 | 2.58 | 2.57 |
3.1 Bank owned ATMs$ and CRMs# | 2.23 | 2.19 | 2.23 | 2.23 |
3.2 White Label ATMs $ | 0.35 | 0.36 | 0.35 | 0.35 |
4 Number of Micro ATMs @ | 17.55 | 14.28 | 17.55 | 17.37 |
5 Number of PoS Terminals | 89.03 | 78.37 | 89.03 | 88.39 |
6 Bharat QR @ | 62.50 | 54.36 | 62.50 | 60.59 |
7 UPI QR * | 3462.03 | 2609.08 | 3462.03 | 3195.01 |
PART IV - Payment Modes and Channels (International) | ||||
Details of International transactions done using cards (credit, debit and PPI) issued in India | ||||
Volume (lakh) | Value (₹ crore) | |||
2024 | 2024 | 2024 | 2024 | |
March | April | March | April | |
1. Card Payments | 98.62 | 98.04 | 7718 | 7915 |
1.1 Credit Cards | 62.55 | 62.21 | 5734 | 5870 |
1.1.1 PoS based | 23.27 | 24.29 | 1727 | 1719 |
1.1.2 Online | 39.27 | 37.92 | 4006 | 4151 |
1.2 Debit Cards | 36.07 | 35.83 | 1984 | 2045 |
1.2.1 PoS based | 14.88 | 15.82 | 683 | 702 |
1.2.2 Online | 21.19 | 20.01 | 1301 | 1343 |
2. Prepaid Payment Instruments | 27.27 | 27.34 | 1058 | 1081 |
2.1 PoS based | 23.44 | 23.74 | 836 | 854 |
2.2 Online | 3.83 | 3.60 | 222 | 227 |
3. Cash Withdrawal at ATMs | 6.64 | 6.51 | 1558 | 1499 |
3.1 Using Credit Cards | 0.41 | 0.40 | 70 | 67 |
3.2 Using Debit Cards | 4.45 | 4.38 | 873 | 854 |
3.3 Using PPIs | 1.78 | 1.72 | 616 | 578 |
Total International Payments | 132.53 | 131.89 | 10334 | 10495 |
PART V - Domestic Payment Frauds | ||||
Volume (Lakh) | Value (Crore) | One in every X payment transaction fraudulent | FTS (Fraud / Payment Value * 10000) | |
September 2022 | 1.71 | 249 | 58177.41 | 0.127 bps |
October 2022 | 1.79 | 220 | 59533.35 | 0.127 bps |
November 2022 | 2.06 | 257 | 50620.69 | 0.143 bps |
December 2022 | 1.54 | 204 | 72426.75 | 0.103 bps |
January 2023 | 1.57 | 195 | 71681.44 | 0.106 bps |
February 2023 | 2.29 | 317 | 47018.00 | 0.177 bps |
March 2023 | 2.25 | 333 | 53907.48 | 0.142 bps |
April 2023 | 1.75 | 273 | 68927.36 | 0.152 bps |
May 2023 | 2.03 | 285 | 63051.71 | 0.147 bps |
June 2023 | 1.74 | 265 | 72554.96 | 0.128 bps |
July 2023 | 2.24 | 286 | 59898.87 | 0.146 bps |
August 2023 | 2.40 | 320 | 58391.71 | 0.157 bps |
September 2023 | 2.52 | 366 | 55057.76 | 0.174 bps |
October 2023 | 2.23 | 335 | 66950.05 | 0.164 bps |
November 2023 | 2.57 | 428 | 57618.81 | 0.209 bps |
December 2023 | 2.92 | 432 | 53327.09 | 0.187 bps |
January 2024 | 2.69 | 435 | 56335.82 | 0.207 bps |
February 2024 | 2.53 | 503 | 59915.32 | 0.239 bps |
March 2024 | 2.57 | 471 | 67394.38 | 0.177 bps |
April 2024 | 2.38 | 414 | 70681.81 | 0.191 bps |
Note : 1. Data is provisional. 2. ECS (Debit and Credit) has been merged with NACH with effect from January 31, 2020. 3. The data from November 2019 onwards for card payments (Debit/Credit cards) and Prepaid Payment Instruments (PPIs) may not be comparable with earlier months/ periods, as more granular data is being published along with revision in data definitions. 4. Only domestic financial transactions are considered. The new format captures e-commerce transactions; transactions using FASTags, digital bill payments and card-to-card transfer through ATMs, etc.. Also, failed transactions, chargebacks, reversals, expired cards/ wallets, are excluded. 5. Data on domestic payment fraud statistics as reported by Scheduled Commercial Banks (excluding RRBs), Non-bank PPI issuers and Non-bank Credit Card issuers in CPFIR (Central Payments Fraud Information Registry). 6. Data does not include attempts to perpetrate frauds. |
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