Payment System Indicators - July 2023 - আৰবিআই - Reserve Bank of India
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Payment System Indicators - July 2023
PART I - Payment System Indicators - Payment & Settlement System Statistics | ||||||||
---|---|---|---|---|---|---|---|---|
Volume (lakh) | Value (₹ crore) | |||||||
FY 2022-23 | 2022 July |
2023 | 2023 | FY 2022-23 | 2022 July |
2023 | 2023 | |
June | July | June | July | |||||
1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
A. Settlement Systems | ||||||||
Financial Market Infrastructures (FMIs) | ||||||||
1 CCIL Operated Systems | 41.44 | 3.39 | 3.81 | 3.83 | 258797336 | 21126044 | 22638088 | 21113033 |
1.1 Govt. Securities Clearing | 15.00 | 1.33 | 1.54 | 1.53 | 172251292 | 14218681 | 15259736 | 14338395 |
1.1.1 Outright | 7.99 | 0.71 | 0.88 | 0.87 | 10090700 | 851204 | 1299039 | 1200245 |
1.1.2 Repo | 4.07 | 0.34 | 0.45 | 0.46 | 68032487 | 5764070 | 7312076 | 6722022 |
1.1.3 Tri-party Repo | 2.94 | 0.28 | 0.21 | 0.20 | 94128105 | 7603407 | 6648621 | 6416128 |
1.2 Forex Clearing | 25.16 | 1.93 | 2.17 | 2.17 | 78932050 | 6272728 | 6854522 | 5937050 |
1.3 Rupee Derivatives @ | 1.27 | 0.13 | 0.10 | 0.13 | 7613994 | 634635 | 523830 | 837588 |
B. Payment Systems | ||||||||
I Financial Market Infrastructures (FMIs) | ||||||||
1 Credit Transfers - RTGS | 2425.62 | 189.26 | 212.30 | 211.89 | 149946286 | 11551440 | 14336617 | 13124561 |
1.1 Customer Transactions | 2411.19 | 188.06 | 211.10 | 210.72 | 131667176 | 9927091 | 12739932 | 11615417 |
1.2 Interbank Transactions | 14.43 | 1.20 | 1.20 | 1.17 | 18279111 | 1624349 | 1596685 | 1509144 |
II Retail | ||||||||
2 Credit Transfers - Retail | 983620.84 | 74673.64 | 106299.38 | 114189.63 | 55009620 | 4267239 | 5151213 | 5250943 |
2.1 AePS (Fund Transfers) @ | 5.90 | 0.68 | 0.30 | 0.32 | 356 | 40 | 20 | 22 |
2.2 APBS $ | 17833.95 | 1259.99 | 1875.41 | 2850.05 | 247535 | 12511 | 25772 | 45524 |
2.3 IMPS | 56532.64 | 4608.30 | 4681.02 | 4897.10 | 5585441 | 444541 | 500482 | 512312 |
2.4 NACH Cr $ | 19257.19 | 1892.88 | 1294.91 | 1322.80 | 1541815 | 119677 | 109983 | 110184 |
2.5 NEFT | 52847.43 | 4018.39 | 5097.12 | 5476.79 | 33719541 | 2627354 | 3039491 | 3049364 |
2.6 UPI @ | 837143.73 | 62893.40 | 93350.61 | 99642.56 | 13914932 | 1063117 | 1475464 | 1533536 |
2.6.1 of which USSD @ | 17.21 | 1.62 | 2.18 | 2.77 | 197 | 18 | 30 | 43 |
3 Debit Transfers and Direct Debits | 15343.05 | 1217.97 | 1453.92 | 1473.10 | 1289611 | 100581 | 129549 | 130931 |
3.1 BHIM Aadhaar Pay @ | 214.22 | 21.26 | 14.83 | 14.42 | 6791 | 621 | 487 | 457 |
3.2 NACH Dr $ | 13502.52 | 1067.05 | 1296.38 | 1327.06 | 1280219 | 99754 | 128819 | 130240 |
3.3 NETC (linked to bank account) @ | 1626.31 | 129.66 | 142.71 | 131.62 | 2601 | 207 | 243 | 233 |
4 Card Payments | 63324.72 | 5481.80 | 4731.29 | 4872.12 | 2152245 | 180371 | 188284 | 198050 |
4.1 Credit Cards | 29145.24 | 2348.34 | 2629.05 | 2770.81 | 1432255 | 115856 | 137234 | 144737 |
4.1.1 PoS based $ | 15598.46 | 1220.69 | 1378.71 | 1428.18 | 541932 | 41767 | 48854 | 49628 |
4.1.2 Others $ | 13546.79 | 1127.64 | 1250.34 | 1342.63 | 890323 | 74089 | 88380 | 95108 |
4.2 Debit Cards | 34179.48 | 3133.47 | 2102.24 | 2101.31 | 719989 | 64515 | 51049 | 53313 |
4.2.1 PoS based $ | 22904.86 | 2052.26 | 1499.66 | 1485.21 | 476520 | 41198 | 33778 | 33513 |
4.2.2 Others $ | 11274.61 | 1081.20 | 602.58 | 616.10 | 243470 | 23317 | 17271 | 19801 |
5 Prepaid Payment Instruments | 74667.44 | 6195.34 | 6464.03 | 6393.08 | 287111 | 25309 | 23114 | 23238 |
5.1 Wallets | 59112.76 | 4855.87 | 5294.78 | 5045.31 | 221896 | 18775 | 19767 | 19724 |
5.2 Cards | 15554.69 | 1339.48 | 1169.24 | 1347.78 | 65215 | 6534 | 3347 | 3514 |
5.2.1 PoS based $ | 1013.09 | 85.43 | 681.07 | 725.68 | 14777 | 1285 | 1016 | 782 |
5.2.2 Others $ | 14541.60 | 1254.05 | 488.17 | 622.10 | 50438 | 5250 | 2331 | 2733 |
6 Paper-based Instruments | 7109.28 | 588.67 | 539.36 | 555.48 | 7172904 | 579381 | 578306 | 587310 |
6.1 CTS (NPCI Managed) | 7109.28 | 588.67 | 539.36 | 555.48 | 7172904 | 579381 | 578306 | 587310 |
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) | 1144065.34 | 88157.42 | 119487.97 | 127483.42 | 65911490 | 5152881 | 6070466 | 6190471 |
Total Payments (1+2+3+4+5+6) | 1146490.96 | 88346.69 | 119700.27 | 127695.32 | 215857776 | 16704320 | 20407083 | 19315032 |
Total Digital Payments (1+2+3+4+5) | 1139381.68 | 87758.02 | 119160.91 | 127139.84 | 208684872 | 16124940 | 19828777 | 18727722 |
PART II - Payment Modes and Channels | ||||||||
---|---|---|---|---|---|---|---|---|
Volume (lakh) | Value (₹ crore) | |||||||
FY 2022-23 | 2022 July |
2023 | 2023 | FY 2022-23 | 2022 July |
2023 | 2023 | |
June | July | June | July | |||||
1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
A. Other Payment Channels | ||||||||
1 Mobile Payments (mobile app based) | 806541.16 | 61437.98 | 88411.48 | 93608.38 | 22031617 | 1699580 | 2243149 | 2316947 |
1.1 Intra-bank $ | 62306.61 | 4902.43 | 6145.85 | 6400.10 | 4191430 | 324003 | 416271 | 428287 |
1.2 Inter-bank $ | 744234.54 | 56535.55 | 82265.63 | 87208.27 | 17840187 | 1375577 | 1826878 | 1888659 |
2 Internet Payments (Netbanking / internet browser based) @ | 42630.64 | 3756.52 | 3564.77 | 3939.72 | 91539296 | 7387328 | 8354438 | 8157915 |
2.1 Intra-bank @ | 10703.78 | 934.78 | 929.63 | 1107.74 | 53506133 | 4450729 | 4456179 | 4353820 |
2.2 Inter-bank @ | 31926.86 | 2821.73 | 2635.13 | 2831.98 | 38033163 | 2936599 | 3898259 | 3804095 |
B. ATMs | ||||||||
3. Cash Withdrawal at ATMs $ | 69468.87 | 5777.88 | 5398.31 | 5397.59 | 3305008 | 272103 | 268351 | 263323 |
3.1 Using Credit Cards $ | 88.37 | 6.95 | 7.43 | 7.56 | 4296 | 342 | 352 | 356 |
3.2 Using Debit Cards $ | 68975.18 | 5735.52 | 5361.29 | 5360.64 | 3286749 | 270609 | 266925 | 261896 |
3.3 Using Pre-paid Cards $ | 405.32 | 35.42 | 29.58 | 29.39 | 13963 | 1152 | 1074 | 1071 |
4. Cash Withdrawal at PoS $ | 27.73 | 2.26 | 2.29 | 2.23 | 278 | 22 | 23 | 22 |
4.1 Using Debit Cards $ | 27.41 | 2.25 | 2.29 | 2.23 | 276 | 22 | 23 | 22 |
4.2 Using Pre-paid Cards $ | 0.33 | 0.01 | 0.01 | 0.01 | 2 | 0 | 0 | 0 |
5. Cash Withdrawal at Micro ATMs @ | 12375.16 | 1082.22 | 943.77 | 1078.92 | 333966 | 29517 | 25991 | 28950 |
5.1 AePS @ | 12375.16 | 1082.22 | 943.77 | 1078.92 | 333966 | 29517 | 25991 | 28950 |
PART III - Payment Infrastructures (lakh) | ||||
---|---|---|---|---|
As on March 2023 | 2022 July |
2023 | 2023 | |
June | July | |||
1 | 2 | 3 | 4 | |
Payment System Infrastructures | ||||
1 Number of Cards | 10465.62 | 10083.90 | 10645.15 | 10606.14 |
1.1 Credit Cards | 853.03 | 802.56 | 886.82 | 898.73 |
1.2 Debit Cards | 9612.59 | 9281.34 | 9758.33 | 9707.41 |
2 Number of PPIs @ | 16185.22 | 15621.99 | 16530.40 | 16646.95 |
2.1 Wallets @ | 13384.65 | 12922.65 | 13409.21 | 13513.24 |
2.2 Cards @ | 2800.57 | 2699.35 | 3121.20 | 3133.71 |
3 Number of ATMs and CRMs | 2.59 | 2.54 | 2.59 | 2.59 |
3.1 Bank owned ATMs$ and CRMs# | 2.23 | 2.20 | 2.23 | 2.24 |
3.2 White Label ATMs $ | 0.36 | 0.34 | 0.36 | 0.36 |
4 Number of Micro ATMs @ | 16.11 | 11.36 | 14.96 | 15.37 |
5 Number of PoS Terminals | 77.90 | 68.19 | 80.94 | 81.23 |
6 Bharat QR @ | 53.82 | 45.21 | 56.88 | 58.06 |
7 UPI QR * | 2563.77 | 2013.02 | 2720.15 | 2807.25 |
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) | |||
2023 | 2023 | 2023 | 2023 | |
June | July | June | July | |
1. Card Payments | 95.88 | 90.42 | 8658 | 8098 |
1.1 Credit Cards | 61.80 | 56.86 | 6236 | 5672 |
1.1.1 PoS based | 27.02 | 22.48 | 2069 | 1698 |
1.1.2 Online | 34.78 | 34.37 | 4167 | 3973 |
1.2 Debit Cards | 34.07 | 33.57 | 2422 | 2426 |
1.2.1 PoS based | 14.55 | 12.84 | 722 | 643 |
1.2.2 Online | 19.53 | 20.73 | 1700 | 1784 |
2. Prepaid Payment Instruments | 34.72 | 30.50 | 1558 | 1332 |
2.1 PoS based | 31.18 | 27.01 | 1313 | 1091 |
2.2 Online | 3.55 | 3.49 | 245 | 241 |
3. Cash Withdrawal at ATMs | 7.63 | 6.79 | 1977 | 1903 |
3.1 Using Credit Cards | 0.40 | 0.46 | 65 | 84 |
3.2 Using Debit Cards | 5.06 | 4.27 | 1132 | 1028 |
3.3 Using PPIs | 2.17 | 2.06 | 779 | 791 |
Total International Payments | 138.23 | 127.71 | 12193 | 11334 |
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 |
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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