Payment System Indicators - August 2023 - আরবিআই - Reserve Bank of India
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Payment System Indicators - August 2023
Payment System Indicators | ||||||||
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PART I - Payment System Indicators - Payment & Settlement System Statistics | ||||||||
Volume (lakh) | Value (₹ crore) | |||||||
FY 2022-23 | 2022 August |
2023 | 2023 | FY 2022-23 | 2022 August |
2023 | 2023 | |
July | August | July | August | |||||
1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
A. Settlement Systems | ||||||||
Financial Market Infrastructures (FMIs) | ||||||||
1 CCIL Operated Systems | 41.44 | 3.30 | 3.83 | 3.83 | 258797336 | 20028644 | 21113033 | 21796085 |
1.1 Govt. Securities Clearing | 15.00 | 1.33 | 1.53 | 1.46 | 172251292 | 13493765 | 14338395 | 14374901 |
1.1.1 Outright | 7.99 | 0.75 | 0.87 | 0.82 | 10090700 | 888832 | 1200245 | 1075273 |
1.1.2 Repo | 4.07 | 0.32 | 0.46 | 0.44 | 68032487 | 5251883 | 6722022 | 6265271 |
1.1.3 Tri-party Repo | 2.94 | 0.25 | 0.20 | 0.20 | 94128105 | 7353051 | 6416128 | 7034358 |
1.2 Forex Clearing | 25.16 | 1.89 | 2.17 | 2.23 | 78932050 | 5970122 | 5937050 | 6636448 |
1.3 Rupee Derivatives @ | 1.27 | 0.09 | 0.13 | 0.14 | 7613994 | 564757 | 837588 | 784735 |
B. Payment Systems | ||||||||
I Financial Market Infrastructures (FMIs) | ||||||||
1 Credit Transfers - RTGS | 2425.62 | 188.08 | 211.89 | 218.08 | 149946286 | 11665583 | 13124561 | 13742007 |
1.1 Customer Transactions | 2411.19 | 186.92 | 210.72 | 216.88 | 131667176 | 10274480 | 11615417 | 12202747 |
1.2 Interbank Transactions | 14.43 | 1.16 | 1.17 | 1.20 | 18279111 | 1391103 | 1509144 | 1539260 |
II Retail | ||||||||
2 Credit Transfers - Retail | 983620.84 | 77757.95 | 114189.63 | 119823.49 | 55009620 | 4288963 | 5250943 | 5374181 |
2.1 AePS (Fund Transfers) @ | 5.90 | 0.54 | 0.32 | 0.34 | 356 | 30 | 22 | 22 |
2.2 APBS $ | 17833.95 | 1162.46 | 2850.05 | 1791.92 | 247535 | 9662 | 45524 | 20129 |
2.3 IMPS | 56532.64 | 4669.09 | 4897.10 | 4891.65 | 5585441 | 445989 | 512312 | 514280 |
2.4 NACH Cr $ | 19257.19 | 1940.04 | 1322.80 | 1627.49 | 1541815 | 128480 | 110184 | 128612 |
2.5 NEFT | 52847.43 | 4166.76 | 5476.79 | 5651.92 | 33719541 | 2631639 | 3049364 | 3134602 |
2.6 UPI @ | 837143.73 | 65819.06 | 99642.56 | 105860.16 | 13914932 | 1073162 | 1533536 | 1576537 |
2.6.1 of which USSD @ | 17.21 | 1.63 | 2.77 | 2.60 | 197 | 17 | 43 | 41 |
3 Debit Transfers and Direct Debits | 15343.05 | 1247.15 | 1473.10 | 1522.83 | 1289611 | 102824 | 130931 | 135193 |
3.1 BHIM Aadhaar Pay @ | 214.22 | 17.57 | 14.42 | 13.96 | 6791 | 516 | 457 | 416 |
3.2 NACH Dr $ | 13502.52 | 1097.38 | 1327.06 | 1374.16 | 1280219 | 102100 | 130240 | 134543 |
3.3 NETC (linked to bank account) @ | 1626.31 | 132.20 | 131.62 | 134.72 | 2601 | 209 | 233 | 234 |
4 Card Payments | 63324.72 | 5481.30 | 4872.12 | 4981.95 | 2152245 | 174516 | 198050 | 201292 |
4.1 Credit Cards | 29145.24 | 2447.83 | 2770.81 | 2905.78 | 1432255 | 112358 | 144737 | 148602 |
4.1.1 PoS based $ | 15598.46 | 1330.54 | 1428.18 | 1520.79 | 541932 | 44943 | 49628 | 52961 |
4.1.2 Others $ | 13546.79 | 1117.30 | 1342.63 | 1384.99 | 890323 | 67414 | 95108 | 95641 |
4.2 Debit Cards | 34179.48 | 3033.47 | 2101.31 | 2076.18 | 719989 | 62159 | 53313 | 52690 |
4.2.1 PoS based $ | 22904.86 | 2009.83 | 1485.21 | 1495.96 | 476520 | 40552 | 33513 | 34615 |
4.2.2 Others $ | 11274.61 | 1023.64 | 616.10 | 580.22 | 243470 | 21606 | 19801 | 18075 |
5 Prepaid Payment Instruments | 74667.44 | 6177.69 | 6393.08 | 6366.80 | 287111 | 24625 | 23238 | 23669 |
5.1 Wallets | 59112.76 | 4877.42 | 5045.31 | 5041.90 | 221896 | 18495 | 19724 | 19987 |
5.2 Cards | 15554.69 | 1300.27 | 1347.78 | 1324.90 | 65215 | 6131 | 3514 | 3682 |
5.2.1 PoS based $ | 1013.09 | 83.90 | 725.68 | 742.19 | 14777 | 1177 | 782 | 862 |
5.2.2 Others $ | 14541.60 | 1216.37 | 622.10 | 582.71 | 50438 | 4953 | 2732 | 2820 |
6 Paper-based Instruments | 7109.28 | 576.17 | 555.48 | 565.42 | 7172904 | 547503 | 587310 | 593323 |
6.1 CTS (NPCI Managed) | 7109.28 | 576.17 | 555.48 | 565.42 | 7172904 | 547503 | 587310 | 593323 |
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 | 91240.25 | 127483.42 | 133260.50 | 65911490 | 5138432 | 6190470 | 6327659 |
Total Payments (1+2+3+4+5+6) | 1146490.96 | 91428.33 | 127695.31 | 133478.58 | 215857776 | 16804015 | 19315032 | 20069666 |
Total Digital Payments (1+2+3+4+5) | 1139381.68 | 90852.16 | 127139.83 | 132913.16 | 208684872 | 16256512 | 18727722 | 19476343 |
PART II - Payment Modes and Channels | ||||||||
---|---|---|---|---|---|---|---|---|
Volume (lakh) | Value (₹ crore) | |||||||
FY 2022-23 | 2022 August |
2023 | 2023 | FY 2022-23 | 2022 August |
2023 | 2023 | |
July | August | July | August | |||||
1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
A. Other Payment Channels | ||||||||
1 Mobile Payments (mobile app based) | 805338.23 | 65313.24 | 93340.31 | 97611.71 | 22031628 | 1742250 | 2316954 | 2370838 |
1.1 Intra-bank $ | 62306.61 | 6590.62 | 6400.03 | 6553.01 | 4191430 | 363857 | 428279 | 439914 |
1.2 Inter-bank $ | 743031.61 | 58722.63 | 86940.28 | 91058.70 | 17840197 | 1378393 | 1888674 | 1930924 |
2 Internet Payments (Netbanking / internet browser based) @ | 42630.64 | 3529.19 | 3938.95 | 3790.98 | 91539296 | 7342636 | 8157864 | 8295085 |
2.1 Intra-bank @ | 10703.78 | 932.41 | 1107.74 | 1033.68 | 53506133 | 4304970 | 4353820 | 4490488 |
2.2 Inter-bank @ | 31926.86 | 2596.78 | 2831.21 | 2757.30 | 38033163 | 3037666 | 3804045 | 3804596 |
B. ATMs | ||||||||
3. Cash Withdrawal at ATMs $ | 69468.87 | 5766.61 | 5590.93 | 5723.39 | 3305008 | 268788 | 269297 | 273107 |
3.1 Using Credit Cards $ | 88.37 | 7.46 | 7.56 | 8.09 | 4296 | 359 | 356 | 383 |
3.2 Using Debit Cards $ | 68975.18 | 5723.84 | 5553.98 | 5685.19 | 3286749 | 267289 | 267870 | 271612 |
3.3 Using Pre-paid Cards $ | 405.32 | 35.31 | 29.39 | 30.12 | 13963 | 1141 | 1071 | 1112 |
4. Cash Withdrawal at PoS $ | 27.73 | 2.19 | 2.23 | 1.26 | 278 | 21 | 22 | 12 |
4.1 Using Debit Cards $ | 27.41 | 2.16 | 2.23 | 1.25 | 276 | 21 | 22 | 12 |
4.2 Using Pre-paid Cards $ | 0.33 | 0.03 | 0.01 | 0.01 | 2 | 0 | 0 | 0 |
5. Cash Withdrawal at Micro ATMs @ | 12375.16 | 1061.82 | 1078.92 | 1055.42 | 333966 | 26193 | 28950 | 27023 |
5.1 AePS @ | 12375.16 | 1061.82 | 1078.92 | 1055.42 | 333966 | 26193 | 28950 | 27023 |
PART III - Payment Infrastructures (lakh) | ||||
---|---|---|---|---|
As on March 2023 | 2022 August |
2023 | 2023 | |
July | August | |||
1 | 2 | 3 | 4 | |
Payment System Infrastructures | ||||
1 Number of Cards | 10465.62 | 10130.17 | 10606.14 | 10693.35 |
1.1 Credit Cards | 853.03 | 779.91 | 898.73 | 912.78 |
1.2 Debit Cards | 9612.59 | 9350.26 | 9707.41 | 9780.57 |
2 Number of PPIs @ | 16185.22 | 15679.00 | 16646.89 | 16625.74 |
2.1 Wallets @ | 13384.65 | 12948.75 | 13513.24 | 13328.60 |
2.2 Cards @ | 2800.57 | 2730.25 | 3133.65 | 3297.15 |
3 Number of ATMs and CRMs | 2.59 | 2.54 | 2.59 | 2.60 |
3.1 Bank owned ATMs$ and CRMs# | 2.23 | 2.20 | 2.24 | 2.25 |
3.2 White Label ATMs $ | 0.36 | 0.34 | 0.36 | 0.35 |
4 Number of Micro ATMs @ | 16.11 | 11.71 | 15.37 | 15.29 |
5 Number of PoS Terminals | 77.90 | 70.58 | 81.23 | 82.47 |
6 Bharat QR @ | 53.82 | 47.49 | 58.06 | 58.99 |
7 UPI QR * | 2563.77 | 2092.54 | 2807.25 | 2881.64 |
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 | |
July | August | July | August | |
1. Card Payments | 90.42 | 88.45 | 8098 | 7849 |
1.1 Credit Cards | 56.86 | 55.82 | 5672 | 5443 |
1.1.1 PoS based | 22.48 | 20.43 | 1698 | 1452 |
1.1.2 Online | 34.37 | 35.40 | 3973 | 3990 |
1.2 Debit Cards | 33.57 | 32.63 | 2426 | 2406 |
1.2.1 PoS based | 12.84 | 11.66 | 643 | 590 |
1.2.2 Online | 20.73 | 20.97 | 1784 | 1816 |
2. Prepaid Payment Instruments | 30.50 | 29.10 | 1332 | 1297 |
2.1 PoS based | 27.01 | 25.03 | 1091 | 980 |
2.2 Online | 3.49 | 4.06 | 241 | 317 |
3. Cash Withdrawal at ATMs | 6.79 | 6.70 | 1903 | 2445 |
3.1 Using Credit Cards | 0.46 | 0.48 | 84 | 97 |
3.2 Using Debit Cards | 4.27 | 4.10 | 1028 | 1135 |
3.3 Using PPIs | 2.06 | 2.12 | 791 | 1213 |
Total International Payments | 127.71 | 124.25 | 11334 | 11591 |
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 |
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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