Payment System Indicators - September 2023 - আরবিআই - Reserve Bank of India
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Payment System Indicators - September 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 September |
2023 | 2023 | FY 2022-23 | 2022 September |
2023 | 2023 | |
August | September | August | September | |||||
1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
A. Settlement Systems | ||||||||
Financial Market Infrastructures (FMIs) | ||||||||
1 CCIL Operated Systems | 41.44 | 3.97 | 3.83 | 3.73 | 258797336 | 24321858 | 21796085 | 21104039 |
1.1 Govt. Securities Clearing | 15.00 | 1.51 | 1.46 | 1.52 | 172251292 | 16060463 | 14374901 | 13723954 |
1.1.1 Outright | 7.99 | 0.86 | 0.82 | 0.93 | 10090700 | 1027326 | 1075273 | 1211320 |
1.1.2 Repo | 4.07 | 0.36 | 0.44 | 0.41 | 68032487 | 6014630 | 6265271 | 5629136 |
1.1.3 Tri-party Repo | 2.94 | 0.30 | 0.20 | 0.19 | 94128105 | 9018508 | 7034358 | 6883498 |
1.2 Forex Clearing | 25.16 | 2.34 | 2.23 | 2.10 | 78932050 | 7499481 | 6636448 | 6811643 |
1.3 Rupee Derivatives @ | 1.27 | 0.11 | 0.14 | 0.11 | 7613994 | 761914 | 784735 | 568441 |
B. Payment Systems | ||||||||
I Financial Market Infrastructures (FMIs) | ||||||||
1 Credit Transfers - RTGS | 2425.62 | 198.30 | 218.08 | 213.94 | 149946286 | 13789637 | 13742007 | 14545183 |
1.1 Customer Transactions | 2411.19 | 197.10 | 216.88 | 212.80 | 131667176 | 12094321 | 12202747 | 12960210 |
1.2 Interbank Transactions | 14.43 | 1.20 | 1.20 | 1.13 | 18279111 | 1695316 | 1539260 | 1584974 |
II Retail | ||||||||
2 Credit Transfers - Retail | 983620.84 | 79564.56 | 119823.49 | 119215.72 | 55009620 | 4621357 | 5374181 | 5340256 |
2.1 AePS (Fund Transfers) @ | 5.90 | 0.55 | 0.34 | 0.31 | 356 | 32 | 22 | 21 |
2.2 APBS $ | 17833.95 | 1170.40 | 1791.92 | 1818.74 | 247535 | 12805 | 20129 | 17943 |
2.3 IMPS | 56532.64 | 4622.31 | 4891.65 | 4728.97 | 5585441 | 454451 | 514280 | 507497 |
2.4 NACH Cr $ | 19257.19 | 1630.85 | 1627.49 | 1512.78 | 1541815 | 114718 | 128612 | 109472 |
2.5 NEFT | 52847.43 | 4332.45 | 5651.92 | 5598.05 | 33719541 | 2922913 | 3134602 | 3126190 |
2.6 UPI @ | 837143.73 | 67808.00 | 105860.16 | 105556.87 | 13914932 | 1116438 | 1576537 | 1579133 |
2.6.1 of which USSD @ | 17.21 | 1.47 | 2.60 | 2.52 | 197 | 17 | 41 | 37 |
3 Debit Transfers and Direct Debits | 15343.05 | 1257.34 | 1522.83 | 1514.68 | 1289611 | 106118 | 135193 | 138748 |
3.1 BHIM Aadhaar Pay @ | 214.22 | 16.35 | 13.96 | 13.87 | 6791 | 516 | 416 | 441 |
3.2 NACH Dr $ | 13502.52 | 1114.09 | 1374.16 | 1371.81 | 1280219 | 105390 | 134543 | 138081 |
3.3 NETC (linked to bank account) @ | 1626.31 | 126.90 | 134.72 | 129.00 | 2601 | 211 | 234 | 226 |
4 Card Payments | 63324.72 | 5352.43 | 4981.95 | 4578.77 | 2152245 | 183298 | 201292 | 189199 |
4.1 Credit Cards | 29145.24 | 2453.06 | 2905.78 | 2739.43 | 1432255 | 122094 | 148602 | 142320 |
4.1.1 PoS based $ | 15598.46 | 1311.63 | 1520.79 | 1420.96 | 541932 | 44969 | 52961 | 49440 |
4.1.2 Others $ | 13546.79 | 1141.43 | 1384.99 | 1318.47 | 890323 | 77125 | 95641 | 92879 |
4.2 Debit Cards | 34179.48 | 2899.38 | 2076.18 | 1839.34 | 719989 | 61204 | 52690 | 46880 |
4.2.1 PoS based $ | 22904.86 | 1887.58 | 1495.96 | 1326.09 | 476520 | 38093 | 34615 | 30525 |
4.2.2 Others $ | 11274.61 | 1011.80 | 580.22 | 513.26 | 243470 | 23111 | 18075 | 16355 |
5 Prepaid Payment Instruments | 74667.44 | 6048.61 | 6366.80 | 6143.16 | 287111 | 24090 | 23669 | 23668 |
5.1 Wallets | 59112.76 | 4706.99 | 5041.90 | 4899.67 | 221896 | 17915 | 19987 | 19926 |
5.2 Cards | 15554.69 | 1341.62 | 1324.90 | 1243.49 | 65215 | 6175 | 3682 | 3742 |
5.2.1 PoS based $ | 1013.09 | 79.41 | 742.19 | 721.81 | 14777 | 1172 | 862 | 852 |
5.2.2 Others $ | 14541.60 | 1262.21 | 582.71 | 521.68 | 50438 | 5004 | 2820 | 2890 |
6 Paper-based Instruments | 7109.28 | 603.84 | 565.42 | 538.35 | 7172904 | 590573 | 593323 | 575021 |
6.1 CTS (NPCI Managed) | 7109.28 | 603.84 | 565.42 | 538.35 | 7172904 | 590573 | 593323 | 575021 |
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 | 92826.79 | 133260.50 | 131990.68 | 65911490 | 5525435 | 6327659 | 6266892 |
Total Payments (1+2+3+4+5+6) | 1146490.96 | 93025.09 | 133478.58 | 132204.62 | 215857776 | 19315072 | 20069666 | 20812075 |
Total Digital Payments (1+2+3+4+5) | 1139381.68 | 92421.25 | 132913.16 | 131666.27 | 208684872 | 18724499 | 19476343 | 20237054 |
PART II - Payment Modes and Channels | ||||||||
---|---|---|---|---|---|---|---|---|
Volume (lakh) | Value (₹ crore) | |||||||
FY 2022-23 | 2022 September |
2023 | 2023 | FY 2022-23 | 2022 September |
2023 | 2023 | |
August | September | August | September | |||||
1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
A. Other Payment Channels | ||||||||
1 Mobile Payments (mobile app based) | 805338.23 | 65660.55 | 101423.21 | 101214.61 | 22031628 | 1791834 | 2423257 | 2434721 |
1.1 Intra-bank $ | 62306.61 | 5133.31 | 6553.02 | 6606.30 | 4191430 | 348494 | 439916 | 446014 |
1.2 Inter-bank $ | 743031.61 | 60527.24 | 94870.20 | 94608.31 | 17840197 | 1443340 | 1983340 | 1988707 |
2 Internet Payments (Netbanking / internet browser based) @ | 42630.64 | 3576.41 | 3790.98 | 3656.92 | 91539296 | 8423481 | 8295085 | 8219736 |
2.1 Intra-bank @ | 10703.78 | 918.60 | 1033.68 | 991.70 | 53506133 | 4985305 | 4490488 | 4178539 |
2.2 Inter-bank @ | 31926.86 | 2657.81 | 2757.30 | 2665.22 | 38033163 | 3438176 | 3804596 | 4041198 |
B. ATMs | ||||||||
3. Cash Withdrawal at ATMs $ | 69468.87 | 5725.73 | 5723.39 | 5377.11 | 3305008 | 265243 | 273107 | 260496 |
3.1 Using Credit Cards $ | 88.37 | 7.22 | 8.09 | 7.85 | 4296 | 351 | 383 | 380 |
3.2 Using Debit Cards $ | 68975.18 | 5684.15 | 5685.19 | 5340.59 | 3286749 | 263765 | 271612 | 259054 |
3.3 Using Pre-paid Cards $ | 405.32 | 34.36 | 30.12 | 28.67 | 13963 | 1127 | 1112 | 1062 |
4. Cash Withdrawal at PoS $ | 27.73 | 2.71 | 1.26 | 0.97 | 278 | 34 | 12 | 9 |
4.1 Using Debit Cards $ | 27.41 | 2.67 | 1.25 | 0.96 | 276 | 34 | 12 | 9 |
4.2 Using Pre-paid Cards $ | 0.33 | 0.04 | 0.01 | 0.01 | 2 | 0 | 0 | 0 |
5. Cash Withdrawal at Micro ATMs @ | 12375.16 | 1004.99 | 1055.42 | 991.43 | 333966 | 26097 | 27023 | 25477 |
5.1 AePS @ | 12375.16 | 1004.99 | 1055.42 | 991.43 | 333966 | 26097 | 27023 | 25477 |
PART III - Payment Infrastructures (lakh) | ||||
---|---|---|---|---|
As on March 2023 | 2022 September |
2023 | 2023 | |
August | September | |||
1 | 2 | 3 | 4 | |
Payment System Infrastructures | ||||
1 Number of Cards | 10465.62 | 10162.40 | 10693.35 | 10598.05 |
1.1 Credit Cards | 853.03 | 777.02 | 912.78 | 930.17 |
1.2 Debit Cards | 9612.59 | 9385.38 | 9780.57 | 9667.88 |
2 Number of PPIs @ | 16185.22 | 15860.18 | 16625.74 | 16718.09 |
2.1 Wallets @ | 13384.65 | 13106.33 | 13328.60 | 13437.06 |
2.2 Cards @ | 2800.57 | 2753.84 | 3297.15 | 3281.03 |
3 Number of ATMs and CRMs | 2.59 | 2.55 | 2.58 | 2.58 |
3.1 Bank owned ATMs$ and CRMs# | 2.23 | 2.20 | 2.23 | 2.23 |
3.2 White Label ATMs $ | 0.36 | 0.35 | 0.35 | 0.35 |
4 Number of Micro ATMs @ | 16.11 | 12.43 | 15.29 | 14.87 |
5 Number of PoS Terminals | 77.90 | 70.35 | 82.47 | 83.02 |
6 Bharat QR @ | 53.82 | 48.64 | 58.99 | 59.82 |
7 UPI QR * | 2563.77 | 2164.30 | 2881.64 | 2950.06 |
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 | |
August | September | August | September | |
1. Card Payments | 88.45 | 97.60 | 7849 | 8715 |
1.1 Credit Cards | 55.82 | 61.55 | 5443 | 5859 |
1.1.1 PoS based | 20.43 | 24.50 | 1452 | 1785 |
1.1.2 Online | 35.40 | 37.04 | 3990 | 4074 |
1.2 Debit Cards | 32.63 | 36.05 | 2406 | 2856 |
1.2.1 PoS based | 11.66 | 13.80 | 590 | 725 |
1.2.2 Online | 20.97 | 22.25 | 1816 | 2131 |
2. Prepaid Payment Instruments | 29.10 | 38.15 | 1297 | 1530 |
2.1 PoS based | 25.03 | 33.00 | 980 | 1174 |
2.2 Online | 4.06 | 5.15 | 317 | 356 |
3. Cash Withdrawal at ATMs | 6.70 | 7.72 | 2445 | 2329 |
3.1 Using Credit Cards | 0.48 | 0.52 | 97 | 105 |
3.2 Using Debit Cards | 4.10 | 4.79 | 1135 | 1176 |
3.3 Using PPIs | 2.12 | 2.41 | 1213 | 1047 |
Total International Payments | 124.25 | 143.47 | 11591 | 12573 |
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 | 55057.68 | 0.174 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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