Payment System Indicators - December 2023 - আরবিআই - Reserve Bank of India
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Payment System Indicators - December 2023
PART I - Payment System Indicators - Payment & Settlement System Statistics | ||||||||
Volume (lakh) | Value (₹ crore) | |||||||
FY 2022-23 | 2022 December |
2023 | 2023 | FY 2022-23 | 2022 December |
2023 | 2023 | |
November | December | November | December | |||||
1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
A. Settlement Systems | ||||||||
Financial Market Infrastructures (FMIs) | ||||||||
1 CCIL Operated Systems | 41.44 | 3.42 | 3.08 | 3.41 | 258797336 | 22326077 | 21011085 | 22228644 |
1.1 Govt. Securities Clearing | 15.00 | 1.19 | 1.24 | 1.29 | 172251292 | 15144169 | 13568124 | 14220985 |
1.1.1 Outright | 7.99 | 0.60 | 0.64 | 0.69 | 10090700 | 711065 | 939382 | 1009116 |
1.1.2 Repo | 4.07 | 0.36 | 0.41 | 0.40 | 68032487 | 6125370 | 5919154 | 5903343 |
1.1.3 Tri-party Repo | 2.94 | 0.23 | 0.19 | 0.20 | 94128105 | 8307734 | 6709589 | 7308526 |
1.2 Forex Clearing | 25.16 | 2.16 | 1.74 | 2.01 | 78932050 | 6670289 | 6922315 | 7392675 |
1.3 Rupee Derivatives @ | 1.27 | 0.07 | 0.10 | 0.11 | 7613994 | 511620 | 520645 | 614984 |
B. Payment Systems | ||||||||
I Financial Market Infrastructures (FMIs) | ||||||||
1 Credit Transfers - RTGS | 2425.62 | 215.03 | 219.20 | 230.39 | 149946286 | 13736057 | 13591443 | 15888778 |
1.1 Customer Transactions | 2411.19 | 213.80 | 218.05 | 229.23 | 131667176 | 12180091 | 12078797 | 14244586 |
1.2 Interbank Transactions | 14.43 | 1.23 | 1.15 | 1.16 | 18279111 | 1555966 | 1512645 | 1644192 |
II Retail | ||||||||
2 Credit Transfers - Retail | 983620.84 | 90675.95 | 128072.73 | 134755.92 | 55009620 | 4928331 | 5673303 | 5917191 |
2.1 AePS (Fund Transfers) @ | 5.90 | 0.32 | 0.30 | 0.32 | 356 | 21 | 19 | 23 |
2.2 APBS $ | 17833.95 | 1157.66 | 3221.01 | 1580.49 | 247535 | 20670 | 47635 | 27013 |
2.3 IMPS | 56532.64 | 4858.37 | 4723.84 | 4987.93 | 5585441 | 486552 | 535002 | 570126 |
2.4 NACH Cr $ | 19257.19 | 1515.84 | 1380.65 | 1310.99 | 1541815 | 157435 | 142415 | 128244 |
2.5 NEFT | 52847.43 | 4854.81 | 6394.01 | 6673.93 | 33719541 | 2981681 | 3208491 | 3368836 |
2.6 UPI @ | 837143.73 | 78288.95 | 112352.92 | 120202.26 | 13914932 | 1281971 | 1739741 | 1822949 |
2.6.1 of which USSD @ | 17.21 | 1.92 | 2.69 | 2.06 | 197 | 21 | 37 | 26 |
3 Debit Transfers and Direct Debits | 15343.05 | 1357.72 | 1527.84 | 1557.74 | 1289611 | 116425 | 142456 | 152705 |
3.1 BHIM Aadhaar Pay @ | 214.22 | 12.71 | 18.82 | 14.09 | 6791 | 446 | 590 | 478 |
3.2 NACH Dr $ | 13502.52 | 1198.55 | 1376.66 | 1403.46 | 1280219 | 115737 | 141646 | 151991 |
3.3 NETC (linked to bank account) @ | 1626.31 | 146.46 | 132.36 | 140.19 | 2601 | 242 | 220 | 237 |
4 Card Payments | 63324.72 | 5223.57 | 4742.56 | 4983.16 | 2152245 | 185150 | 210038 | 213058 |
4.1 Credit Cards | 29145.24 | 2556.47 | 2970.90 | 3215.00 | 1432255 | 126524 | 160644 | 165119 |
4.1.1 PoS based $ | 15598.46 | 1405.79 | 1583.66 | 1706.70 | 541932 | 48611 | 59015 | 58300 |
4.1.2 Others $ | 13546.79 | 1150.68 | 1387.24 | 1508.29 | 890323 | 77913 | 101629 | 106819 |
4.2 Debit Cards | 34179.48 | 2667.10 | 1771.66 | 1768.17 | 719989 | 58626 | 49394 | 47939 |
4.2.1 PoS based $ | 22904.86 | 1859.33 | 1301.95 | 1302.84 | 476520 | 39574 | 34379 | 32254 |
4.2.2 Others $ | 11274.61 | 807.77 | 469.71 | 465.32 | 243470 | 19052 | 15015 | 15684 |
5 Prepaid Payment Instruments | 74667.44 | 6354.65 | 6510.09 | 7235.20 | 287111 | 22648 | 24248 | 26173 |
5.1 Wallets | 59112.76 | 5012.71 | 5308.63 | 5960.57 | 221896 | 18400 | 19853 | 21732 |
5.2 Cards | 15554.69 | 1341.94 | 1201.46 | 1274.63 | 65215 | 4248 | 4394 | 4441 |
5.2.1 PoS based $ | 1013.09 | 61.58 | 662.14 | 709.65 | 14777 | 722 | 891 | 915 |
5.2.2 Others $ | 14541.60 | 1280.37 | 539.32 | 564.98 | 50438 | 3527 | 3504 | 3526 |
6 Paper-based Instruments | 7109.28 | 608.14 | 525.55 | 547.23 | 7172904 | 619903 | 558866 | 592972 |
6.1 CTS (NPCI Managed) | 7109.28 | 608.14 | 525.55 | 547.23 | 7172904 | 619903 | 558866 | 592972 |
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 | 104220.03 | 141378.76 | 149079.25 | 65911490 | 5872457 | 6608910 | 6902099 |
Total Payments (1+2+3+4+5+6) | 1146490.96 | 104435.06 | 141597.96 | 149309.63 | 215857776 | 19608515 | 20200353 | 22790877 |
Total Digital Payments (1+2+3+4+5) | 1139381.68 | 103826.92 | 141072.41 | 148762.40 | 208684872 | 18988611 | 19641487 | 22197905 |
PART II - Payment Modes and Channels | ||||||||
Volume (lakh) | Value (₹ crore) | |||||||
FY 2022-23 | 2022 December |
2023 | 2023 | FY 2022-23 | 2022 December |
2023 | 2023 | |
November | December | November | December | |||||
1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
A. Other Payment Channels | ||||||||
1 Mobile Payments (mobile app based) | 805338.23 | 74415.83 | 108174.95 | 115823.37 | 22031628 | 1991763 | 2641060 | 2798250 |
1.1 Intra-bank $ | 62306.61 | 5560.78 | 6927.98 | 7372.04 | 4191430 | 375775 | 478326 | 508669 |
1.2 Inter-bank $ | 743031.61 | 68855.05 | 101246.97 | 108451.33 | 17840197 | 1615988 | 2162734 | 2289581 |
2 Internet Payments (Netbanking / internet browser based) @ | 42630.64 | 3661.95 | 3622.58 | 3836.26 | 91539296 | 8544692 | 8033440 | 9388569 |
2.1 Intra-bank @ | 10703.78 | 949.91 | 988.62 | 1050.96 | 53506133 | 4926079 | 4130936 | 4862519 |
2.2 Inter-bank @ | 31926.86 | 2712.04 | 2633.96 | 2785.31 | 38033163 | 3618612 | 3902504 | 4526051 |
B. ATMs | ||||||||
3. Cash Withdrawal at ATMs $ | 69468.87 | 5891.78 | 5542.64 | 5463.57 | 3305008 | 280465 | 276530 | 269287 |
3.1 Using Credit Cards $ | 88.37 | 8.13 | 7.89 | 8.19 | 4296 | 392 | 391 | 405 |
3.2 Using Debit Cards $ | 68975.18 | 5850.33 | 5505.75 | 5428.44 | 3286749 | 278927 | 275032 | 267841 |
3.3 Using Pre-paid Cards $ | 405.32 | 33.33 | 28.99 | 26.94 | 13963 | 1146 | 1107 | 1041 |
4. Cash Withdrawal at PoS $ | 27.73 | 2.37 | 0.75 | 0.66 | 278 | 23 | 7 | 6 |
4.1 Using Debit Cards $ | 27.41 | 2.36 | 0.75 | 0.66 | 276 | 23 | 7 | 6 |
4.2 Using Pre-paid Cards $ | 0.33 | 0.02 | 0.01 | 0.00 | 2 | 0 | 0 | 0 |
5. Cash Withdrawal at Micro ATMs @ | 12375.16 | 934.53 | 1079.59 | 929.51 | 333966 | 25484 | 28972 | 24592 |
5.1 AePS @ | 12375.16 | 934.53 | 1079.59 | 929.51 | 333966 | 25484 | 28972 | 24592 |
PART III - Payment Infrastructures (lakh) | ||||
As on March 2023 | 2022 December |
2023 | 2023 | |
November | December | |||
1 | 2 | 3 | 4 | |
Payment System Infrastructures | ||||
1 Number of Cards | 10465.62 | 10206.53 | 10725.00 | 10587.99 |
1.1 Credit Cards | 853.03 | 811.87 | 960.01 | 979.05 |
1.2 Debit Cards | 9612.59 | 9394.66 | 9764.99 | 9608.94 |
2 Number of PPIs @ | 16185.22 | 16234.69 | 16944.31 | 17544.34 |
2.1 Wallets @ | 13384.65 | 13346.64 | 13758.21 | 14293.01 |
2.2 Cards @ | 2800.57 | 2888.05 | 3186.10 | 3251.33 |
3 Number of ATMs and CRMs | 2.59 | 2.57 | 2.58 | 2.58 |
3.1 Bank owned ATMs$ and CRMs# | 2.23 | 2.20 | 2.24 | 2.24 |
3.2 White Label ATMs $ | 0.36 | 0.37 | 0.34 | 0.34 |
4 Number of Micro ATMs @ | 16.11 | 14.19 | 15.87 | 16.89 |
5 Number of PoS Terminals | 77.90 | 75.50 | 84.32 | 85.67 |
6 Bharat QR @ | 53.82 | 49.59 | 58.74 | 59.57 |
7 UPI QR * | 2563.77 | 2361.82 | 3087.39 | 3170.66 |
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 | |
November | December | November | December | |
1. Card Payments | 91.91 | 96.24 | 7591 | 7812 |
1.1 Credit Cards | 58.13 | 60.66 | 5415 | 5646 |
1.1.1 PoS based | 22.31 | 23.74 | 1702 | 1780 |
1.1.2 Online | 35.82 | 36.92 | 3713 | 3866 |
1.2 Debit Cards | 33.78 | 35.58 | 2176 | 2165 |
1.2.1 PoS based | 14.72 | 15.54 | 703 | 744 |
1.2.2 Online | 19.06 | 20.04 | 1473 | 1422 |
2. Prepaid Payment Instruments | 31.43 | 28.59 | 1189 | 1157 |
2.1 PoS based | 27.01 | 24.81 | 926 | 909 |
2.2 Online | 4.42 | 3.78 | 262 | 248 |
3. Cash Withdrawal at ATMs | 7.41 | 7.85 | 1813 | 1934 |
3.1 Using Credit Cards | 0.48 | 0.52 | 108 | 102 |
3.2 Using Debit Cards | 4.92 | 5.34 | 1020 | 1113 |
3.3 Using PPIs | 2.01 | 1.99 | 685 | 719 |
Total International Payments | 130.75 | 132.68 | 10593 | 10903 |
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 |
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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