Payment System Indicators - November 2023 - RBI - Reserve Bank of India
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Payment System Indicators - November 2023
Payment System Indicators | ||||||||
PART I - Payment System Indicators - Payment & Settlement System Statistics | ||||||||
Volume (lakh) | Value (₹ crore) | |||||||
FY 2022-23 | 2022 November |
2023 | 2023 | FY 2022-23 | 2022 November |
2023 | 2023 | |
October | November | October | November | |||||
1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
A. Settlement Systems | ||||||||
Financial Market Infrastructures (FMIs) | ||||||||
1 CCIL Operated Systems | 41.44 | 3.67 | 3.31 | 3.08 | 258797336 | 22488758 | 21422005 | 21011085 |
1.1 Govt. Securities Clearing | 15.00 | 1.26 | 1.26 | 1.24 | 172251292 | 15457897 | 13902085 | 13568124 |
1.1.1 Outright | 7.99 | 0.66 | 0.66 | 0.64 | 10090700 | 759097 | 889349 | 939382 |
1.1.2 Repo | 4.07 | 0.36 | 0.40 | 0.41 | 68032487 | 6039868 | 5760793 | 5919154 |
1.1.3 Tri-party Repo | 2.94 | 0.23 | 0.20 | 0.19 | 94128105 | 8658933 | 7251944 | 6709589 |
1.2 Forex Clearing | 25.16 | 2.33 | 1.96 | 1.74 | 78932050 | 6577286 | 7018310 | 6922315 |
1.3 Rupee Derivatives @ | 1.27 | 0.08 | 0.10 | 0.10 | 7613994 | 453575 | 501610 | 520645 |
B. Payment Systems | ||||||||
I Financial Market Infrastructures (FMIs) | ||||||||
1 Credit Transfers - RTGS | 2425.62 | 206.46 | 224.62 | 219.20 | 149946286 | 12291749 | 13464400 | 13591443 |
1.1 Customer Transactions | 2411.19 | 205.30 | 223.48 | 218.05 | 131667176 | 10691727 | 11899324 | 12078797 |
1.2 Interbank Transactions | 14.43 | 1.16 | 1.14 | 1.15 | 18279111 | 1600022 | 1565076 | 1512645 |
II Retail | ||||||||
2 Credit Transfers - Retail | 983620.84 | 84557.58 | 128356.32 | 128072.73 | 55009620 | 4527540 | 5667254 | 5673303 |
2.1 AePS (Fund Transfers) @ | 5.90 | 0.51 | 0.31 | 0.30 | 356 | 29 | 20 | 19 |
2.2 APBS $ | 17833.95 | 1065.62 | 1745.79 | 3221.01 | 247535 | 9460 | 19666 | 47635 |
2.3 IMPS | 56532.64 | 4634.80 | 4928.80 | 4723.84 | 5585441 | 454679 | 538239 | 535002 |
2.4 NACH Cr $ | 19257.19 | 1373.88 | 1278.99 | 1380.65 | 1541815 | 141901 | 131546 | 142415 |
2.5 NEFT | 52847.43 | 4388.30 | 6314.53 | 6394.01 | 33719541 | 2730878 | 3262015 | 3208491 |
2.6 UPI @ | 837143.73 | 73094.47 | 114087.90 | 112352.92 | 13914932 | 1190593 | 1715768 | 1739741 |
2.6.1 of which USSD @ | 17.21 | 1.79 | 2.63 | 2.69 | 197 | 19 | 38 | 37 |
3 Debit Transfers and Direct Debits | 15343.05 | 1316.60 | 1499.66 | 1527.84 | 1289611 | 110181 | 139050 | 142456 |
3.1 BHIM Aadhaar Pay @ | 214.22 | 14.52 | 15.14 | 18.82 | 6791 | 475 | 525 | 590 |
3.2 NACH Dr $ | 13502.52 | 1164.17 | 1348.29 | 1376.66 | 1280219 | 109479 | 138287 | 141646 |
3.3 NETC (linked to bank account) @ | 1626.31 | 137.91 | 136.23 | 132.36 | 2601 | 227 | 238 | 220 |
4 Card Payments | 63324.72 | 4956.02 | 5104.71 | 4742.56 | 2152245 | 170388 | 230670 | 210038 |
4.1 Credit Cards | 29145.24 | 2347.73 | 3200.48 | 2970.90 | 1432255 | 114794 | 178569 | 160644 |
4.1.1 PoS based $ | 15598.46 | 1275.99 | 1596.74 | 1583.66 | 541932 | 43456 | 57774 | 59015 |
4.1.2 Others $ | 13546.79 | 1071.74 | 1603.73 | 1387.24 | 890323 | 71338 | 120795 | 101629 |
4.2 Debit Cards | 34179.48 | 2608.28 | 1904.23 | 1771.66 | 719989 | 55594 | 52101 | 49394 |
4.2.1 PoS based $ | 22904.86 | 1779.46 | 1375.28 | 1301.95 | 476520 | 37238 | 33731 | 34379 |
4.2.2 Others $ | 11274.61 | 828.82 | 528.95 | 469.71 | 243470 | 18355 | 18370 | 15015 |
5 Prepaid Payment Instruments | 74667.44 | 6075.20 | 6687.84 | 6510.09 | 287111 | 22808 | 25012 | 24248 |
5.1 Wallets | 59112.76 | 4730.07 | 5301.96 | 5274.31 | 221896 | 17342 | 20630 | 19830 |
5.2 Cards | 15554.69 | 1345.14 | 1385.88 | 1235.79 | 65215 | 5466 | 4382 | 4418 |
5.2.1 PoS based $ | 1013.09 | 77.72 | 750.95 | 683.31 | 14777 | 1039 | 884 | 906 |
5.2.2 Others $ | 14541.60 | 1267.42 | 634.93 | 552.47 | 50438 | 4428 | 3498 | 3512 |
6 Paper-based Instruments | 7109.28 | 592.55 | 559.90 | 525.55 | 7172904 | 585389 | 584454 | 558866 |
6.1 CTS (NPCI Managed) | 7109.28 | 592.55 | 559.90 | 525.55 | 7172904 | 585389 | 584454 | 558866 |
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 | 97497.95 | 142208.43 | 141378.76 | 65911490 | 5416306 | 6646440 | 6608910 |
Total Payments (1+2+3+4+5+6) | 1146490.96 | 97704.41 | 142433.05 | 141597.96 | 215857776 | 17708056 | 20110841 | 20200353 |
Total Digital Payments (1+2+3+4+5) | 1139381.68 | 97111.86 | 141873.15 | 141072.41 | 208684872 | 17122666 | 19526387 | 19641487 |
PART II - Payment Modes and Channels | ||||||||
Volume (lakh) | Value (₹ crore) | |||||||
FY 2022-23 | 2022 November |
2023 | 2023 | FY 2022-23 | 2022 November |
2023 | 2023 | |
October | November | October | November | |||||
1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
A. Other Payment Channels | ||||||||
1 Mobile Payments (mobile app based) | 805338.23 | 70188.36 | 109334.05 | 108174.37 | 22031628 | 1874436 | 2619086 | 2641046 |
1.1 Intra-bank $ | 62306.61 | 5342.59 | 6877.68 | 6927.98 | 4191430 | 355045 | 474253 | 478327 |
1.2 Inter-bank $ | 743031.61 | 64845.77 | 102456.37 | 101246.39 | 17840197 | 1519391 | 2144833 | 2162720 |
2 Internet Payments (Netbanking / internet browser based) @ | 42630.64 | 3486.07 | 3736.00 | 3622.58 | 91539296 | 7786127 | 8464802 | 8033440 |
2.1 Intra-bank @ | 10703.78 | 870.33 | 983.50 | 988.62 | 53506133 | 4606598 | 4400612 | 4130936 |
2.2 Inter-bank @ | 31926.86 | 2615.74 | 2752.51 | 2633.96 | 38033163 | 3179529 | 4064190 | 3902504 |
B. ATMs | ||||||||
3. Cash Withdrawal at ATMs $ | 69468.87 | 5608.38 | 5721.32 | 5542.64 | 3305008 | 265636 | 277832 | 276530 |
3.1 Using Credit Cards $ | 88.37 | 7.59 | 8.54 | 7.89 | 4296 | 367 | 413 | 391 |
3.2 Using Debit Cards $ | 68975.18 | 5568.42 | 5683.38 | 5505.75 | 3286749 | 264180 | 276289 | 275032 |
3.3 Using Pre-paid Cards $ | 405.32 | 32.36 | 29.40 | 28.99 | 13963 | 1089 | 1130 | 1107 |
4. Cash Withdrawal at PoS $ | 27.73 | 2.29 | 0.85 | 0.75 | 278 | 22 | 8 | 7 |
4.1 Using Debit Cards $ | 27.41 | 2.26 | 0.84 | 0.75 | 276 | 22 | 8 | 7 |
4.2 Using Pre-paid Cards $ | 0.33 | 0.02 | 0.01 | 0.01 | 2 | 0 | 0 | 0 |
5. Cash Withdrawal at Micro ATMs @ | 12375.16 | 944.92 | 986.49 | 1079.59 | 333966 | 25541 | 25378 | 28972 |
5.1 AePS @ | 12375.16 | 944.92 | 986.49 | 1079.59 | 333966 | 25541 | 25378 | 28972 |
PART III - Payment Infrastructures (lakh) | ||||
As on March 2023 | 2022 November |
2023 | 2023 | |
October | November | |||
1 | 2 | 3 | 4 | |
Payment System Infrastructures | ||||
1 Number of Cards | 10465.62 | 10283.35 | 10748.82 | 10751.32 |
1.1 Credit Cards | 853.03 | 806.06 | 947.11 | 960.01 |
1.2 Debit Cards | 9612.59 | 9477.29 | 9801.71 | 9791.30 |
2 Number of PPIs @ | 16185.22 | 16098.32 | 16830.82 | 16944.42 |
2.1 Wallets @ | 13384.65 | 13269.83 | 13576.88 | 13693.59 |
2.2 Cards @ | 2800.57 | 2828.48 | 3253.93 | 3250.83 |
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 | 2.24 |
3.2 White Label ATMs $ | 0.36 | 0.36 | 0.35 | 0.34 |
4 Number of Micro ATMs @ | 16.11 | 13.34 | 15.30 | 15.87 |
5 Number of PoS Terminals | 77.90 | 73.52 | 83.48 | 84.32 |
6 Bharat QR @ | 53.82 | 48.25 | 59.75 | 58.74 |
7 UPI QR * | 2563.77 | 2302.87 | 3017.20 | 3087.39 |
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 | |
October | November | October | November | |
1. Card Payments | 101.98 | 91.91 | 9561 | 7591 |
1.1 Credit Cards | 65.27 | 58.13 | 6569 | 5415 |
1.1.1 PoS based | 27.96 | 22.31 | 2366 | 1702 |
1.1.2 Online | 37.31 | 35.82 | 4203 | 3713 |
1.2 Debit Cards | 36.71 | 33.78 | 2992 | 2176 |
1.2.1 PoS based | 16.52 | 14.72 | 1260 | 703 |
1.2.2 Online | 20.19 | 19.06 | 1732 | 1473 |
2. Prepaid Payment Instruments | 41.76 | 31.43 | 1574 | 1189 |
2.1 PoS based | 36.30 | 27.01 | 1237 | 926 |
2.2 Online | 5.45 | 4.42 | 336 | 262 |
3. Cash Withdrawal at ATMs | 8.30 | 7.41 | 4356 | 1813 |
3.1 Using Credit Cards | 0.54 | 0.48 | 140 | 108 |
3.2 Using Debit Cards | 5.26 | 4.92 | 3355 | 1020 |
3.3 Using PPIs | 2.49 | 2.01 | 862 | 685 |
Total International Payments | 152.03 | 130.75 | 15491 | 10593 |
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 |
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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