43. Payment System Indicators

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প্ৰকাশ কৰা তাৰিখ মাৰ্চ 21, 2023

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PART I - Payment System Indicators - Payment & Settlement System Statistics
System	Volume (Lakh)				Value (₹ Crore)
	FY 2021-22	2022		2023	FY 2021-22	2022		2023
	FY 2021-22	Jan.	Dec.	Jan.	FY 2021-22	Jan.	Dec.	Jan.
	1	2	3	4	5	6	7	8
A. Settlement Systems
Financial Market Infrastructures (FMIs)
1 CCIL Operated Systems (1.1 to 1.3)	33.01	2.54	3.42	3.66	206873112	17839802	22326077	21571346
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3)	12.22	0.93	1.19	1.17	142072939	12892869	15144169	14383734
1.1.1 Outright	6.22	0.40	0.60	0.60	8793301	569722	711065	785714
1.1.2 Repo	3.08	0.26	0.36	0.35	51015712	4348558	6125370	5556922
1.1.3 Tri-party Repo	2.92	0.28	0.23	0.21	82263926	7974589	8307734	8041098
1.2 Forex Clearing	19.91	1.52	2.16	2.40	59775826	4470518	6670289	6553596
1.3 Rupee Derivatives @	0.88	0.09	0.07	0.10	5024347	476415	511620	634016
B. Payment Systems
I Financial Market Infrastructures (FMIs)	–	–	–	–	–	–	–	–
1 Credit Transfers - RTGS (1.1 to 1.2)	2078.39	181.29	215.03	204.18	128657516	10449109	13736057	12546467
1.1 Customer Transactions	2063.73	180.08	213.80	202.99	113319292	9285159	12180091	11028450
1.2 Interbank Transactions	14.66	1.21	1.23	1.19	15338225	1163950	1555966	1518016
II Retail
2 Credit Transfers - Retail (2.1 to 2.6)	577934.74	57367.30	90675.95	92396.07	42728006	3806628	4928331	4738328
2.1 AePS (Fund Transfers) @	9.76	0.55	0.32	0.32	575	29	21	23
2.2 APBS $	12573.33	1111.28	1157.66	1112.35	133345	18101	20670	19956
2.3 IMPS	46625.25	4401.73	4858.37	4745.08	4171037	387007	486552	477491
2.4 NACH Cr $	18757.82	2053.15	1515.84	1354.13	1281685	126812	157435	131620
2.5 NEFT	40407.29	3629.03	4854.81	4798.31	28725463	2442686	2981681	2810180
2.6 UPI @	459561.30	46171.56	78288.95	80385.88	8415900	831993	1281971	1299059
2.6.1 of which USSD @	11.99	0.81	1.92	1.79	177	11	21	19
3 Debit Transfers and Direct Debits (3.1 to 3.3)	12189.49	1059.01	1357.72	1360.36	1034444	91554	116425	115658
3.1 BHIM Aadhaar Pay @	227.73	24.47	12.71	13.01	6113	728	446	468
3.2 NACH Dr $	10754.74	934.07	1198.55	1202.79	1026641	90703	115737	114953
3.3 NETC (linked to bank account) @	1207.02	100.47	146.46	144.56	1689	123	242	236
4 Card Payments (4.1 to 4.2)	61782.93	5151.05	5223.57	5103.61	1701851	147794	185150	183460
4.1 Credit Cards (4.1.1 to 4.1.2)	22398.82	1958.05	2556.47	2593.52	971638	87769	126524	127682
4.1.1 PoS based $	11124.59	960.63	1405.79	1409.19	380643	32735	48611	48934
4.1.2 Others $	11274.23	997.43	1150.68	1184.33	590994	55034	77913	78748
4.2 Debit Cards (4.2.1 to 4.2.1 )	39384.11	3193.00	2667.10	2510.09	730213	60025	58626	55778
4.2.1 PoS based $	22967.10	1924.51	1859.33	1742.51	451550	37274	39574	37520
4.2.2 Others $	16417.00	1268.48	807.77	767.59	278663	22752	19052	18258
5 Prepaid Payment Instruments (5.1 to 5.2)	65782.75	5807.67	6354.65	6129.40	279416	24796	22648	22193
5.1 Wallets	53013.86	4613.76	5012.71	4873.96	220183	19789	18400	17899
5.2 Cards (5.2.1 to 5.2.2)	12768.89	1193.91	1341.94	1255.44	59233	5007	4248	4294
5.2.1 PoS based $	1116.16	117.57	61.58	64.59	19546	2368	722	774
5.2.2 Others $	11652.73	1076.35	1280.37	1190.86	39687	2639	3527	3520
6 Paper-based Instruments (6.1 to 6.2)	6999.12	596.99	608.13	573.17	6650333	557721	621387	570639
6.1 CTS (NPCI Managed)	6999.12	596.99	608.13	573.17	6650333	557721	621387	570639
6.2 Others	0.00	–	–	–	–	–	–	–
Total - Retail Payments (2+3+4+5+6)	724689.03	69982.02	104220.02	105562.61	52394049	4628493	5873941	5630279
Total Payments (1+2+3+4+5+6)	726767.42	70163.31	104435.05	105766.79	181051565	15077603	19609998	18176745
Total Digital Payments (1+2+3+4+5)	719768.30	69566.32	103826.92	105193.62	174401233	14519881	18988611	17606106

PART II - Payment Modes and Channels
System	Volume (Lakh)				Value (₹ Crore)
	FY 2021-22	2022		2023	FY 2021-22	2022		2023
	FY 2021-22	Jan.	Dec.	Jan.	FY 2021-22	Jan.	Dec.	Jan.
	1	2	3	4	5	6	7	8
A. Other Payment Channels
1 Mobile Payments (mobile app based) (1.1 to 1.2)	506842.31	49905.88	84929.10	86637.16	14961371	1418856	2134123	2104799
1.1 Intra-bank $	40805.69	3879.91	5560.77	4881.88	2726363	250455	375775	345047
1.2 Inter-bank $	466036.62	46025.97	79368.33	81755.28	12235007	1168401	1758348	1759752
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2)	40825.85	3564.14	3663.63	3538.64	83255958	7413832	8592320	7348674
2.1 Intra-bank @	9576.46	833.10	949.86	889.79	52139336	4718914	4925141	4089462
2.2 Inter-bank @	31249.39	2731.05	2713.77	2648.85	31116622	2694918	3667179	3259212
B. ATMs
3 Cash Withdrawal at ATMs $ (3.1 to 3.3)	65240.43	5554.51	5891.49	5752.56	3111946	262384	280461	272247
3.1 Using Credit Cards $	62.37	5.49	8.13	8.13	3130	269	392	385
3.2 Using Debit Cards $	64851.61	5519.66	5850.04	5711.67	3097739	261124	278923	270700
3.3 Using Pre-paid Cards $	326.45	29.36	33.33	32.76	11076	990	1146	1161
4 Cash Withdrawal at PoS $ (4.1 to 4.2)	91.17	2.13	2.38	2.44	728	20	24	25
4.1 Using Debit Cards $	79.42	2.08	2.37	2.43	557	20	24	25
4.2 Using Pre-paid Cards $	11.75	0.05	0.02	0.02	171	0	0	0
5 Cash Withrawal at Micro ATMs @	11126.04	1125.54	934.53	963.46	299776	28582	25484	26203
5.1 AePS @	11126.04	1125.54	934.53	963.46	299776	28582	25484	26203

PART III - Payment Infrastructures (Lakh)
System	As on March 2022	2022		2023
System	As on March 2022	Jan.	Dec.	Jan.
	1	2	3	4
Payment System Infrastructures
1 Number of Cards (1.1 to 1.2)	9912.93	10111.81	10206.53	10280.33
1.1 Credit Cards	736.27	702.52	811.87	824.52
1.2 Debit Cards	9176.66	9409.29	9394.66	9455.81
2 Number of PPIs @ (2.1 to 2.2)	15553.69	15389.63	16234.69	16029.29
2.1 Wallets @	12787.93	12722.56	13346.64	13244.34
2.2 Cards @	2765.76	2667.07	2888.05	2784.95
3 Number of ATMs (3.1 to 3.2)	2.52	2.46	2.57	2.58
3.1 Bank owned ATMs $	2.20	2.16	2.20	2.21
3.2 White Label ATMs $	0.31	0.30	0.37	0.37
4 Number of Micro ATMs @	9.16	7.78	14.19	14.75
5 Number of PoS Terminals	60.70	56.20	75.50	76.57
6 Bharat QR @	49.72	46.97	49.59	50.57
7 UPI QR *	1727.34	1521.05	2361.82	2442.34
@: New inclusion w.e.f. November 2019 #: Data reported by Co-operative Banks, LABs and RRBs included with effect from December 2021. $ : Inclusion separately initiated from November 2019 - would have been part of other items hitherto. *: New inclusion w.e.f. September 2020; Includes only static UPI QR Code 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. Part I-A. Settlement systems 1.1.3: Tri- party Repo under the securities segment has been operationalised from November 05, 2018. Part I-B. Payments systems 4.1.2: ‘Others’ includes e-commerce transactions and digital bill payments through ATMs, etc. 4.2.2: ‘Others’ includes e-commerce transactions, card to card transfers and digital bill payments through ATMs, etc. 5: Available from December 2010. 5.1: includes purchase of goods and services and fund transfer through wallets. 5.2.2: includes usage of PPI Cards for online transactions and other transactions. 6.1: Pertain to three grids – Mumbai, New Delhi and Chennai. 6.2: ‘Others’ comprises of Non-MICR transactions which pertains to clearing houses managed by 21 banks. Part II-A. Other payment channels 1: Mobile Payments – o Include transactions done through mobile apps of banks and UPI apps. o The data from July 2017 includes only individual payments and corporate payments initiated, processed, and authorised using mobile device. Other corporate payments which are not initiated, processed, and authorised using mobile device are excluded. 2: Internet Payments – includes only e-commerce transactions through ‘netbanking’ and any financial transaction using internet banking website of the bank. Part II-B. ATMs 3.3 and 4.2: only relates to transactions using bank issued PPIs. Part III. Payment systems infrastructure 3: Includes ATMs deployed by Scheduled Commercial Banks (SCBs) and White Label ATM Operators (WLAOs). WLAs are included from April 2014 onwards.