| PART I - Payment System Indicators - Payment & Settlement System Statistics |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2021-22 |
2021 April |
2022 |
2022 |
FY 2021-22 |
2021 April |
2022 |
2022 |
| March |
April |
March |
April |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Settlement Systems |
|
|
|
|
|
|
|
|
| Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 CCIL Operated Systems |
33.01 |
2.36 |
3.25 |
3.06 |
206873112 |
15138384 |
20588727 |
18651860 |
| 1.1 Govt. Securities Clearing |
12.22 |
0.83 |
1.04 |
1.08 |
142072939 |
9963717 |
13682354 |
11915370 |
| 1.1.1 Outright |
6.22 |
0.41 |
0.46 |
0.59 |
8793301 |
739674 |
660443 |
870328 |
| 1.1.2 Repo |
3.08 |
0.21 |
0.30 |
0.25 |
51015712 |
3829853 |
5341282 |
4315711 |
| 1.1.3 Tri-party Repo |
2.92 |
0.20 |
0.27 |
0.23 |
82263926 |
5394189 |
7680629 |
6729332 |
| 1.2 Forex Clearing |
19.91 |
1.49 |
2.11 |
1.87 |
59775826 |
4913256 |
6232193 |
6124936 |
| 1.3 Rupee Derivatives @ |
0.88 |
0.05 |
0.11 |
0.11 |
5024347 |
261411 |
674180 |
611554 |
| B. Payment Systems |
|
|
|
|
|
|
|
|
| I Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 Credit Transfers - RTGS |
2078.39 |
151.52 |
230.04 |
195.32 |
128657516 |
8802868 |
14458955 |
11097594 |
| 1.1 Customer Transactions |
2063.73 |
150.19 |
228.68 |
194.11 |
113319292 |
7555042 |
13069669 |
9780600 |
| 1.2 Interbank Transactions |
14.66 |
1.33 |
1.36 |
1.21 |
15338225 |
1247825 |
1389286 |
1316994 |
| II Retail |
|
|
|
|
|
|
|
|
| 2 Credit Transfers - Retail |
577631.89 |
34506.22 |
66272.08 |
66747.57 |
42722828 |
2946342 |
5062364 |
4050335 |
| 2.1 AePS (Fund Transfers) @ |
9.76 |
0.94 |
0.56 |
0.55 |
575 |
61 |
35 |
33 |
| 2.2 APBS $ |
12298.50 |
972.73 |
1154.92 |
1119.53 |
133052 |
5383 |
15462 |
11118 |
| 2.3 IMPS |
46625.25 |
3229.68 |
4920.01 |
4716.26 |
4171037 |
299542 |
462279 |
444670 |
| 2.4 NACH Cr $ |
18729.79 |
1029.55 |
1825.88 |
1329.76 |
1276801 |
101457 |
131428 |
112354 |
| 2.5 NEFT |
40407.29 |
2862.71 |
4314.20 |
3737.59 |
28725463 |
2046235 |
3492578 |
2498587 |
| 2.6 UPI @ |
459561.30 |
26410.61 |
54056.51 |
55843.88 |
8415900 |
493664 |
960582 |
983573 |
| 2.6.1 of which USSD @ |
11.99 |
0.96 |
0.91 |
0.86 |
177 |
15 |
12 |
12 |
| 3 Debit Transfers and Direct Debits |
12222.27 |
961.29 |
1136.67 |
1121.68 |
1038334 |
79291 |
98645 |
93616 |
| 3.1 BHIM Aadhaar Pay @ |
227.73 |
13.88 |
19.47 |
16.76 |
6113 |
377 |
640 |
580 |
| 3.2 NACH Dr $ |
10787.53 |
854.05 |
979.27 |
996.72 |
1030531 |
78776 |
97801 |
92902 |
| 3.3 NETC (linked to bank account) @ |
1207.02 |
93.36 |
137.93 |
108.20 |
1689 |
139 |
204 |
135 |
| 4 Card Payments |
61,782.93 |
4,788.55 |
5,512.70 |
5,541.17 |
17,01,851 |
1,15,232 |
1,71,159 |
1,70,521 |
| 4.1 Credit Cards |
22,398.82 |
1,575.32 |
2,237.51 |
2,229.30 |
9,71,638 |
59,049 |
1,07,107 |
1,05,459 |
| 4.1.1 PoS based $ |
11124.59 |
782.31 |
1134.33 |
1152.87 |
380643 |
26314 |
38777 |
39807 |
| 4.1.2 Others $ |
11274.23 |
793.00 |
1103.18 |
1076.43 |
590994 |
32735 |
68330 |
65652 |
| 4.2 Debit Cards |
39,384.11 |
3,213.23 |
3,275.19 |
3,311.87 |
730213 |
56183 |
64052 |
65062 |
| 4.2.1 PoS based $ |
22967.10 |
1794.37 |
2078.45 |
2131.77 |
451550 |
35621 |
40770 |
43530 |
| 4.2.2 Others $ |
16417.00 |
1418.86 |
1196.73 |
1180.10 |
278663 |
20562 |
23282 |
21532 |
| 5 Prepaid Payment Instruments |
65,812.39 |
4,800.66 |
6,567.09 |
6,551.30 |
293658 |
22148 |
27865 |
27664 |
| 5.1 Wallets |
52683.01 |
3963.08 |
5016.86 |
5036.15 |
226645 |
14421 |
20054 |
19360 |
| 5.2 Cards |
13,129.38 |
837.58 |
1,550.23 |
1,515.15 |
67014 |
7727 |
7811 |
8305 |
| 5.2.1 PoS based $ |
1066.47 |
50.39 |
164.77 |
169.34 |
18123 |
1517 |
2860 |
3183 |
| 5.2.2 Others $ |
12062.91 |
787.19 |
1385.46 |
1345.81 |
48891 |
6209 |
4951 |
5121 |
| 6 Paper-based Instruments |
6,999.12 |
557.79 |
702.93 |
624.01 |
6650333 |
553322 |
694335 |
670259 |
| 6.1 CTS (NPCI Managed) |
6999.12 |
557.79 |
702.93 |
624.01 |
6650333 |
553322 |
694335 |
670259 |
| 6.2 Others |
0.00 |
0.00 |
0.00 |
0.00 |
0 |
0 |
0 |
0 |
| Total - Retail Payments (2+3+4+5+6) |
7,24,448.61 |
45,614.50 |
80,191.47 |
80,585.73 |
52407004 |
3716336 |
6054368 |
5012396 |
| Total Payments (1+2+3+4+5+6) |
7,26,527.00 |
45,766.02 |
80,421.51 |
80,781.06 |
181064521 |
12519204 |
20513323 |
16109991 |
| Total Digital Payments (1+2+3+4+5) |
7,19,527.88 |
45,208.23 |
79,718.58 |
80,157.05 |
174414188 |
11965881 |
19818988 |
15439731 |
| PART II - Payment Modes and Channels |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2021-22 |
2021 April |
2022 |
2022 |
FY 2021-22 |
2021 April |
2022 |
2022 |
| March |
April |
March |
April |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Other Payment Channels |
|
|
|
|
|
|
|
|
| 1 Mobile Payments (mobile app based) |
5,07,531.37 |
32,494.77 |
57,378.44 |
59,767.47 |
1,49,73,395 |
10,06,256 |
16,52,795 |
16,83,493 |
| 1.1 Intra-bank $ |
40,805.69 |
2,563.99 |
4,218.03 |
4,515.92 |
27,26,360 |
1,91,178 |
2,98,556 |
3,12,756 |
| 1.2 Inter-bank $ |
4,66,725.68 |
29,930.78 |
53,160.40 |
55,251.55 |
1,22,47,035 |
8,15,078 |
13,54,239 |
13,70,737 |
| 2 Internet Payments (Netbanking / internet browser based) @ |
36,127.50 |
2,682.48 |
3,915.10 |
3,639.09 |
5,01,21,370 |
31,80,133 |
88,31,268 |
71,55,362 |
| 2.1 Intra-bank @ |
7,375.30 |
567.04 |
995.71 |
964.04 |
2,35,05,766 |
13,52,169 |
53,47,683 |
42,88,061 |
| 2.2 Inter-bank @ |
28,752.20 |
2,115.44 |
2,919.39 |
2,675.04 |
2,66,15,604 |
18,27,964 |
34,83,584 |
28,67,301 |
| B. ATMs |
|
|
|
|
|
|
|
|
| 3. Cash Withdrawal at ATMs $ |
65,287.28 |
5,256.36 |
5,971.07 |
5,834.29 |
31,11,927 |
2,55,527 |
2,87,374 |
2,86,411 |
| 3.1 Using Credit Cards $ |
62.37 |
5.09 |
6.80 |
6.12 |
3,130 |
258 |
344 |
303 |
| 3.2 Using Debit Cards $ |
64898.80 |
5226.23 |
5932.11 |
5796.88 |
30,97,741 |
2,54,397 |
2,85,893 |
2,85,011 |
| 3.3 Using Pre-paid Cards $ |
326.11 |
25.03 |
32.16 |
31.28 |
11,056 |
871 |
1,138 |
1,097 |
| 4. Cash Withdrawal at PoS $ |
92.26 |
22.06 |
2.79 |
2.74 |
806 |
133 |
57 |
54 |
| 4.1 Using Debit Cards $ |
79.42 |
18.85 |
2.21 |
2.24 |
557 |
111 |
21 |
22 |
| 4.2 Using Pre-paid Cards $ |
12.84 |
3.20 |
0.57 |
0.50 |
248 |
22 |
36 |
32 |
| 5. Cash Withdrawal at Micro ATMs @ |
11126.04 |
725.35 |
1032.68 |
984.19 |
2,99,776 |
21,701 |
28,479 |
27,824 |
| 5.1 AePS @ |
11126.04 |
725.35 |
1032.68 |
984.19 |
2,99,776 |
21,701 |
28,479 |
27,824 |
| PART III - Payment Infrastructures (lakh) |
| |
As on March 2022 |
2021 April |
2022 |
2022 |
| March |
April |
| 1 |
2 |
3 |
4 |
| Payment System Infrastructures |
|
|
|
|
| 1 Number of Cards |
9,912.93 |
9,630.55 |
9,912.93 |
9,956.84 |
| 1.1 Credit Cards |
736.27 |
622.60 |
736.27 |
751.66 |
| 1.2 Debit Cards |
9,176.66 |
9,007.95 |
9176.66 |
9205.18 |
| 2 Number of PPIs @ |
27,403.54 |
22,216.97 |
27,403.54 |
27,405.90 |
| 2.1 Wallets @ |
24,645.39 |
20,249.78 |
24,645.39 |
24,748.38 |
| 2.2 Cards @ |
2,758.15 |
1,967.19 |
2,758.15 |
2,657.52 |
| 3 Number of ATMs and CRMs |
2.48 |
2.40 |
2.48 |
2.49 |
| 3.1 Bank owned ATMs$ and CRMs# |
2.16 |
2.14 |
2.16 |
2.17 |
| 3.2 White Label ATMs $ |
0.32 |
0.25 |
0.32 |
0.32 |
| 4 Number of Micro ATMs @ |
7.81 |
4.14 |
7.81 |
8.16 |
| 5 Number of PoS Terminals |
60.70 |
45.25 |
60.70 |
61.26 |
| 6 Bharat QR @ |
49.72 |
40.28 |
49.72 |
40.90 |
| 7 UPI QR * |
1727.34 |
978.19 |
1727.34 |
1807.21 |
@: New inclusion w.e.f. November 2019
#: Data reported by Co-operative Banks, LABs and RRBs included with effect from Dec 2021.
$ : Inclusion separately initiated from November 2019 - would have been part of other items hitherto.
*: New inclusion w.e.f. September 2020; Includes only static UPI QR Code
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. |
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