Payment System Indicators - July 2022 - আৰবিআই - Reserve Bank of India
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Payment System Indicators - July 2022
| PART I - Payment System Indicators - Payment & Settlement System Statistics | ||||||||
|---|---|---|---|---|---|---|---|---|
| Volume (lakh) | Value (₹ crore) | |||||||
| FY 2021-22 | 2021 July | 2022 | 2022 | FY 2021-22 | 2021 July | 2022 | 2022 | |
| June | July | June | July | |||||
| 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
| A. Settlement Systems | ||||||||
| Financial Market Infrastructures (FMIs) | ||||||||
| 1 CCIL Operated Systems | 33.01 | 2.68 | 3.42 | 3.39 | 206873112 | 16798812 | 22912930 | 21126044 |
| 1.1 Govt. Securities Clearing | 12.22 | 0.98 | 1.32 | 1.33 | 142072939 | 11096031 | 15445511 | 14218681 |
| 1.1.1 Outright | 6.22 | 0.50 | 0.68 | 0.71 | 8793301 | 744621 | 844409 | 851204 |
| 1.1.2 Repo | 3.08 | 0.25 | 0.34 | 0.34 | 51015712 | 3802644 | 5627915 | 5764070 |
| 1.1.3 Tri-party Repo | 2.92 | 0.24 | 0.30 | 0.28 | 82263926 | 6548766 | 8973188 | 7603407 |
| 1.2 Forex Clearing | 19.91 | 1.64 | 1.97 | 1.93 | 59775826 | 5290626 | 6778125 | 6272728 |
| 1.3 Rupee Derivatives @ | 0.88 | 0.07 | 0.13 | 0.13 | 5024347 | 412155 | 689294 | 634635 |
| B. Payment Systems | ||||||||
| I Financial Market Infrastructures (FMIs) | ||||||||
| 1 Credit Transfers - RTGS | 2078.39 | 167.65 | 194.42 | 189.26 | 128657516 | 10741314 | 12356054 | 11551440 |
| 1.1 Customer Transactions | 2063.73 | 166.43 | 193.18 | 188.06 | 113319292 | 9288984 | 10840909 | 9927091 |
| 1.2 Interbank Transactions | 14.66 | 1.22 | 1.24 | 1.20 | 15338225 | 1452331 | 1515145 | 1624349 |
| II Retail | ||||||||
| 2 Credit Transfers - Retail | 577934.74 | 41372.72 | 69921.27 | 74673.64 | 42728006 | 3215234 | 4298158 | 4267239 |
| 2.1 AePS (Fund Transfers) @ | 9.76 | 1.03 | 0.62 | 0.68 | 575 | 61 | 37 | 40 |
| 2.2 APBS $ | 12573.33 | 1047.34 | 1222.24 | 1259.99 | 133345 | 7981 | 23010 | 12511 |
| 2.3 IMPS | 46625.25 | 3524.64 | 4557.01 | 4608.30 | 4171037 | 311310 | 443776 | 444541 |
| 2.4 NACH Cr $ | 18757.82 | 1174.68 | 1489.99 | 1892.88 | 1281685 | 85697 | 100909 | 119677 |
| 2.5 NEFT | 40407.29 | 3170.00 | 4022.33 | 4018.39 | 28725463 | 2204303 | 2716013 | 2627354 |
| 2.6 UPI @ | 459561.30 | 32455.02 | 58629.08 | 62893.40 | 8415900 | 605883 | 1014413 | 1063117 |
| 2.6.1 of which USSD @ | 11.99 | 1.08 | 0.99 | 1.62 | 177 | 16 | 12 | 18 |
| 3 Debit Transfers and Direct Debits | 12189.49 | 986.32 | 1225.96 | 1217.97 | 1034444 | 86503 | 100325 | 100581 |
| 3.1 BHIM Aadhaar Pay @ | 227.73 | 17.49 | 39.82 | 21.26 | 6113 | 414 | 1049 | 621 |
| 3.2 NACH Dr $ | 10754.74 | 877.08 | 1048.14 | 1067.05 | 1026641 | 85980 | 99060 | 99754 |
| 3.3 NETC (linked to bank account) @ | 1207.02 | 91.75 | 138.00 | 129.66 | 1689 | 109 | 216 | 207 |
| 4 Card Payments | 61,782.93 | 5,225.86 | 5,376.24 | 5,481.80 | 1701851 | 135972 | 169669 | 180371 |
| 4.1 Credit Cards | 22,398.82 | 1,820.49 | 2,279.46 | 2,348.34 | 971638 | 74885 | 108752 | 115856 |
| 4.1.1 PoS based $ | 11124.59 | 900.27 | 1210.51 | 1220.69 | 380643 | 30498 | 40466 | 41767 |
| 4.1.2 Others $ | 11274.23 | 920.21 | 1068.95 | 1127.64 | 590994 | 44387 | 68286 | 74089 |
| 4.2 Debit Cards | 39,384.11 | 3,405.37 | 3,096.79 | 3,133.47 | 730213 | 61087 | 60917 | 64515 |
| 4.2.1 PoS based $ | 22967.10 | 1901.64 | 2012.90 | 2053.40 | 451550 | 36764 | 39877 | 41211 |
| 4.2.2 Others $ | 16417.00 | 1503.73 | 1083.89 | 1080.07 | 278663 | 24324 | 21040 | 23304 |
| 5 Prepaid Payment Instruments | 65,782.75 | 4,958.99 | 6,258.03 | 6,195.34 | 279416 | 20587 | 24738 | 25309 |
| 5.1 Wallets | 53013.86 | 4068.85 | 4979.19 | 4855.87 | 220183 | 16624 | 18488 | 18775 |
| 5.2 Cards | 12,768.89 | 890.14 | 1,278.83 | 1,339.48 | 59233 | 3963 | 6250 | 6534 |
| 5.2.1 PoS based $ | 1116.16 | 73.49 | 87.22 | 85.43 | 19546 | 893 | 1301 | 1285 |
| 5.2.2 Others $ | 11652.73 | 816.64 | 1191.62 | 1254.05 | 39687 | 3070 | 4949 | 5250 |
| 6 Paper-based Instruments | 6,999.12 | 596.11 | 593.72 | 588.67 | 6650333 | 553256 | 599196 | 579727 |
| 6.1 CTS (NPCI Managed) | 6999.12 | 596.11 | 593.72 | 588.67 | 6650333 | 553256 | 599196 | 579727 |
| 6.2 Others | 0.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0 | 0 |
| Total Retail Payments (2+3+4+5+6) | 7,24,689.03 | 53,139.99 | 83,375.21 | 88,157.42 | 52394049 | 4011553 | 5192086 | 5153226 |
| Total Payments (1+2+3+4+5+6) | 7,26,767.42 | 53,307.64 | 83,569.63 | 88,346.69 | 181051565 | 14752867 | 17548140 | 16704666 |
| Total Digital Payments (1+2+3+4+5) | 7,19,768.30 | 52,711.53 | 82,975.91 | 87,758.02 | 174401233 | 14199611 | 16948944 | 16124940 |
| PART II - Payment Modes and Channels | ||||||||
|---|---|---|---|---|---|---|---|---|
| Volume (lakh) | Value (₹ crore) | |||||||
| FY 2021-22 | 2021 July | 2022 | 2022 | FY 2021-22 | 2021 July | 2022 | 2022 | |
| June | July | June | July | |||||
| 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
| A. Other Payment Channels | ||||||||
| 1 Mobile Payments (mobile app based) | 5,07,531.37 | 36,837.05 | 62,581.28 | 68,450.73 | 1,49,73,395 | 11,37,233 | 17,15,115 | 17,86,611 |
| 1.1 Intra-bank $ | 40,805.69 | 3,133.94 | 4,309.58 | 4,902.42 | 27,26,360 | 2,10,685 | 3,05,131 | 3,23,926 |
| 1.2 Inter-bank $ | 4,66,725.68 | 33,703.12 | 58,271.69 | 63,548.30 | 1,22,47,035 | 9,26,547 | 14,09,985 | 14,62,684 |
| 2 Internet Payments (Netbanking / internet browser based) @ | 40,726.59 | 3,474.33 | 3,551.14 | 3,734.46 | 8,31,59,996 | 68,12,775 | 82,05,044 | 73,25,646 |
| 2.1 Intra-bank @ | 9,583.32 | 828.56 | 866.17 | 930.32 | 5,21,42,582 | 42,94,238 | 51,34,748 | 44,38,066 |
| 2.2 Inter-bank @ | 31,143.27 | 2,645.77 | 2,684.97 | 2,804.13 | 3,10,17,413 | 25,18,538 | 30,70,297 | 28,87,580 |
| B. ATMs | ||||||||
| 3. Cash Withdrawal at ATMs $ | 65,287.63 | 5,378.82 | 5,734.36 | 5,777.88 | 31,11,948 | 2,54,886 | 2,71,368 | 2,72,103 |
| 3.1 Using Credit Cards $ | 62.37 | 4.74 | 6.79 | 6.95 | 3,130 | 235 | 336 | 342 |
| 3.2 Using Debit Cards $ | 64898.80 | 5348.70 | 5694.37 | 5735.52 | 30,97,741 | 2,53,780 | 2,69,936 | 2,70,609 |
| 3.3 Using Pre-paid Cards $ | 326.45 | 25.38 | 33.20 | 35.42 | 11,076 | 871 | 1,096 | 1,152 |
| 4. Cash Withdrawal at PoS $ | 91.17 | 7.45 | 2.30 | 2.26 | 728 | 62 | 22 | 22 |
| 4.1 Using Debit Cards $ | 79.42 | 6.15 | 2.27 | 2.25 | 557 | 43 | 22 | 22 |
| 4.2 Using Pre-paid Cards $ | 11.75 | 1.30 | 0.03 | 0.01 | 171 | 19 | 0 | 0 |
| 5. Cash Withdrawal at Micro ATMs @ | 11126.04 | 869.89 | 1167.16 | 1082.22 | 2,99,776 | 22,973 | 31,318 | 29,517 |
| 5.1 AePS @ | 11126.04 | 869.89 | 1167.16 | 1082.22 | 2,99,776 | 22,973 | 31,318 | 29,517 |
| PART III - Payment Infrastructures (lakh) | ||||
|---|---|---|---|---|
| As on March 2022 | 2021 July | 2022 | 2022 | |
| June | July | |||
| 1 | 2 | 3 | 4 | |
| Payment System Infrastructures | ||||
| 1 Number of Cards | 9912.93 | 9690.43 | 10004.74 | 10083.90 |
| 1.1 Credit Cards | 736.27 | 634.14 | 787.23 | 802.56 |
| 1.2 Debit Cards | 9,176.66 | 9,056.29 | 9217.52 | 9281.34 |
| 2 Number of PPIs @ | 15,553.69 | 13,176.84 | 15,589.89 | 15,604.53 |
| 2.1 Wallets @ | 12,787.93 | 11,032.89 | 12,932.46 | 12,922.65 |
| 2.2 Cards @ | 2,765.76 | 2,143.95 | 2,657.43 | 2,681.89 |
| 3 Number of ATMs and CRMs | 2.52 | 2.40 | 2.53 | 2.54 |
| 3.1 Bank owned ATMs$ and CRMs# | 2.20 | 2.13 | 2.20 | 2.20 |
| 3.2 White Label ATMs $ | 0.31 | 0.27 | 0.33 | 0.34 |
| 4 Number of Micro ATMs @ | 7.81 | 4.75 | 9.40 | 9.64 |
| 5 Number of PoS Terminals | 60.70 | 46.08 | 65.91 | 68.19 |
| 6 Bharat QR @ | 49.72 | 42.51 | 42.80 | 45.21 |
| 7 UPI QR * | 1727.34 | 1078.80 | 1951.71 | 2013.02 |
| @: New inclusion w.e.f. November 2019 #: Data reported by Co-operative Banks, LABs and RRBs included with effect from Dec 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 |
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| 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. |
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