PART I - Payment System Indicators - Payment & Settlement System Statistics
Volume (lakh)
Value (₹ crore)
FY 2022-23
2023 February
2024
2024
FY 2022-23
2023 February
2024
2024
January
February
January
February
1
2
3
4
1
2
3
4
A. Settlement Systems
Financial Market Infrastructures (FMIs)
1 CCIL Operated Systems
41.44
3.51
3.74
3.60
258797336
22281370
21705635
21907760
1.1 Govt. Securities Clearing
15.00
1.27
1.42
1.46
172251292
14888685
14658627
14722762
1.1.1 Outright
7.99
0.68
0.79
0.87
10090700
895740
1100547
1273135
1.1.2 Repo
4.07
0.38
0.43
0.39
68032487
6436404
6039056
6575139
1.1.3 Tri-party Repo
2.94
0.21
0.21
0.20
94128105
7556541
7519024
6874488
1.2 Forex Clearing
25.16
2.11
2.21
2.04
78932050
6602897
6439543
6537554
1.3 Rupee Derivatives @
1.27
0.13
0.11
0.09
7613994
789788
607465
647444
B. Payment Systems
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS
2425.62
200.50
230.99
238.26
149946286
12053579
14691625
14614297
1.1 Customer Transactions
2411.19
199.35
229.79
237.09
131667176
10566198
13127720
13083464
1.2 Interbank Transactions
14.43
1.14
1.20
1.17
18279111
1487381
1563905
1530833
II Retail
2 Credit Transfers - Retail
983620.84
88539.09
137068.03
137733.21
55009620
4647461
5945126
6039675
2.1 AePS (Fund Transfers) @
5.90
0.31
0.36
0.32
356
22
24
21
2.2 APBS $
17833.95
2519.89
2118.74
2965.77
247535
35468
42872
48312
2.3 IMPS
56532.64
4478.13
5087.92
5346.35
5585441
468647
566310
568092
2.4 NACH Cr $
19257.19
1517.57
948.05
1504.81
1541815
131505
127514
123887
2.5 NEFT
52847.43
4675.61
6882.78
6889.23
33719541
2775972
3367322
3471495
2.6 UPI @
837143.73
75347.57
122030.18
121026.73
13914932
1235847
1841084
1827869
2.6.1 of which USSD @
17.21
1.51
1.90
1.66
197
17
21
19
3 Debit Transfers and Direct Debits
15343.05
1359.79
1571.50
1611.25
1289611
115272
154405
153734
3.1 BHIM Aadhaar Pay @
214.22
11.50
18.82
15.43
6791
454
619
376
3.2 NACH Dr $
13502.52
1209.13
1440.08
1464.78
1280219
114587
153564
153173
3.3 NETC (linked to bank account) @
1626.31
139.16
112.60
131.04
2601
231
222
184
4 Card Payments
63324.72
4588.51
4934.19
4634.88
2152245
168378
211931
190658
4.1 Credit Cards
29145.24
2323.20
3289.52
3112.44
1432255
118684
166444
149206
4.1.1 PoS based $
15598.46
1255.88
1725.59
1618.50
541932
44611
58532
54431
4.1.2 Others $
13546.79
1067.32
1563.93
1493.94
890323
74073
107912
94775
4.2 Debit Cards
34179.48
2265.31
1644.68
1522.44
719989
49693
45487
41452
4.2.1 PoS based $
22904.86
1581.95
1193.18
1109.26
476520
33432
30383
27930
4.2.2 Others $
11274.61
683.36
451.50
413.18
243470
16261
15103
13522
5 Prepaid Payment Instruments
74667.44
6050.89
7087.25
6470.87
287111
22399
25784
22676
5.1 Wallets
59112.76
4929.04
5766.67
5211.85
221896
18356
21259
18434
5.2 Cards
15554.69
1121.85
1320.58
1259.02
65215
4043
4525
4242
5.2.1 PoS based $
1013.09
63.07
690.67
702.42
14777
792
927
919
5.2.2 Others $
14541.60
1058.78
629.91
556.60
50438
3251
3598
3323
6 Paper-based Instruments
7109.28
553.90
547.17
541.88
7172904
565690
583653
602630
6.1 CTS (NPCI Managed)
7109.28
553.90
547.17
541.88
7172904
565690
583653
602630
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
101092.17
151208.15
150992.10
65911490
5519200
6920899
7009374
Total Payments (1+2+3+4+5+6)
1146490.96
101292.67
151439.14
151230.36
215857776
17572779
21612523
21623671
Total Digital Payments (1+2+3+4+5)
1139381.68
100738.77
150891.97
150688.48
208684872
17007089
21028871
21021041
PART II - Payment Modes and Channels
Volume (lakh)
Value (₹ crore)
FY 2022-23
2023 February
2024
2024
FY 2022-23
2023 February
2024
2024
January
February
January
February
1
2
3
4
1
2
3
4
A. Other Payment Channels
1 Mobile Payments (mobile app based)
805338.23
72542.86
117854.93
117275.04
22031628
1930129
2815296
2828112
1.1 Intra-bank $
62306.61
5107.77
7654.37
7774.97
4191430
353815
524854
530845
1.2 Inter-bank $
743031.61
67435.09
110200.56
109500.07
17840197
1576314
2290441
2297267
2 Internet Payments (Netbanking / internet browser based) @
42630.64
3319.04
3837.71
3800.36
91539296
7380904
9123990
8867591
2.1 Intra-bank @
10703.78
834.55
1028.04
1008.05
53506133
4172937
4767036
4540083
2.2 Inter-bank @
31926.86
2484.49
2809.67
2792.31
38033163
3207966
4356954
4327508
B. ATMs
3. Cash Withdrawal at ATMs $
69468.87
5472.33
5306.01
5171.94
3305008
263681
260746
257228
3.1 Using Credit Cards $
88.37
7.39
8.26
7.91
4296
358
404
395
3.2 Using Debit Cards $
68975.18
5433.46
5272.19
5138.76
3286749
262098
259326
255798
3.3 Using Pre-paid Cards $
405.32
31.47
25.56
25.27
13963
1225
1016
1035
4. Cash Withdrawal at PoS $
27.73
2.17
0.65
0.55
278
21
6
5
4.1 Using Debit Cards $
27.41
2.16
0.64
0.53
276
21
6
5
4.2 Using Pre-paid Cards $
0.33
0.01
0.02
0.01
2
0
0
0
5. Cash Withdrawal at Micro ATMs @
12375.16
918.44
839.66
812.15
333966
25483
22351
21543
5.1 AePS @
12375.16
918.44
839.66
812.15
333966
25483
22351
21543
PART III - Payment Infrastructures (lakh)
As on March 2023
2023 February
2024
2024
January
February
1
2
3
4
Payment System Infrastructures
1 Number of Cards
10465.62
10374.87
10570.66
10612.71
1.1 Credit Cards
853.03
833.66
995.00
1006.00
1.2 Debit Cards
9612.59
9541.22
9575.66
9606.71
2 Number of PPIs @
16185.22
16109.65
17676.26
17118.56
2.1 Wallets @
13384.65
13335.10
14396.94
13795.76
2.2 Cards @
2800.57
2774.55
3279.32
3322.80
3 Number of ATMs and CRMs
2.59
2.57
2.58
2.57
3.1 Bank owned ATMs$ and CRMs#
2.23
2.21
2.24
2.23
3.2 White Label ATMs $
0.36
0.36
0.34
0.34
4 Number of Micro ATMs @
16.11
15.59
17.60
17.01
5 Number of PoS Terminals
77.90
77.58
85.93
87.73
6 Bharat QR @
53.82
52.22
60.04
61.50
7 UPI QR *
2563.77
2500.89
3213.79
3371.80
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
January
February
January
February
1. Card Payments
90.59
87.22
7538
6809
1.1 Credit Cards
56.33
53.99
5411
5002
1.1.1 PoS based
20.91
19.65
1626
1475
1.1.2 Online
35.42
34.35
3786
3527
1.2 Debit Cards
34.26
33.22
2126
1807
1.2.1 PoS based
14.66
13.73
729
648
1.2.2 Online
19.60
19.50
1398
1159
2. Prepaid Payment Instruments
25.11
24.16
1111
946
2.1 PoS based
21.40
20.68
827
728
2.2 Online
3.71
3.48
284
218
3. Cash Withdrawal at ATMs
6.49
6.22
1826
1563
3.1 Using Credit Cards
0.35
0.35
62
60
3.2 Using Debit Cards
4.38
4.21
874
858
3.3 Using PPIs
1.75
1.67
890
644
Total International Payments
122.18
117.60
10474
9318
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
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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