| PART I - Payment System Indicators - Payment & Settlement System Statistics |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2020-21 |
2020 Aug |
2021 |
2021 |
FY 2020-21 |
2020 Aug |
2021 |
2021 |
| July |
August |
July |
August |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Settlement Systems |
|
|
|
|
|
|
|
|
| Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 CCIL Operated Systems |
27.97 |
2.28 |
2.68 |
2.51 |
161943141 |
12576300 |
16798812 |
15362952 |
| 1.1 Govt. Securities Clearing |
11.55 |
0.96 |
0.98 |
0.96 |
110634315 |
8614891 |
11096031 |
10388877 |
| 1.1.1 Outright |
6.28 |
0.52 |
0.50 |
0.50 |
10032187 |
867395 |
744621 |
730532 |
| 1.1.2 Repo |
2.84 |
0.27 |
0.25 |
0.24 |
43751173 |
3793333 |
3802644 |
3479766 |
| 1.1.3 Tri-party Repo |
2.43 |
0.18 |
0.24 |
0.22 |
56850956 |
3954162 |
6548766 |
6178579 |
| 1.2 Forex Clearing |
16.04 |
1.28 |
1.64 |
1.48 |
48903961 |
3749569 |
5290626 |
4599545 |
| 1.3 Rupee Derivatives @ |
0.38 |
0.03 |
0.07 |
0.06 |
2404865 |
211840 |
412155 |
374530 |
| B. Payment Systems |
|
|
|
|
|
|
|
|
| I Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 Credit Transfers - RTGS |
1591.92 |
116.77 |
167.65 |
166.52 |
105599849 |
7292380 |
10741314 |
10164296 |
| 1.1 Customer Transactions |
1573.47 |
115.29 |
166.43 |
165.34 |
91008367 |
6382552 |
9288984 |
8940380 |
| 1.2 Interbank Transactions |
18.45 |
1.49 |
1.22 |
1.18 |
14591482 |
909828 |
1452331 |
1223916 |
| II Retail |
|
|
|
|
|
|
|
|
| 2 Credit Transfers - Retail |
317851.82 |
23968.09 |
41367.43 |
45370.66 |
33522150 |
2556825 |
3214817 |
3277624 |
| 2.1 AePS (Fund Transfers) @ |
11.32 |
0.89 |
1.03 |
1.05 |
623 |
46 |
61 |
61 |
| 2.2 APBS $ |
14372.99 |
1196.39 |
1045.01 |
722.32 |
112747 |
8313 |
7952 |
10305 |
| 2.3 IMPS |
32783.47 |
2461.25 |
3524.64 |
3797.12 |
2941500 |
235137 |
311310 |
320203 |
| 2.4 NACH Cr $ |
16449.51 |
1775.18 |
1171.72 |
2075.99 |
1232714 |
84468 |
85307 |
98119 |
| 2.5 NEFT |
30927.89 |
2346.09 |
3170.00 |
3218.73 |
25130910 |
1930552 |
2204303 |
2209818 |
| 2.6 UPI @ |
223306.64 |
16188.28 |
32455.02 |
35555.45 |
4103658 |
298308 |
605883 |
639117 |
| 2.6.1 of which USSD @ |
10.45 |
0.92 |
1.08 |
1.14 |
172 |
15 |
16 |
17 |
| 3 Debit Transfers and Direct Debits |
10440.40 |
857.28 |
986.32 |
1008.32 |
872399 |
67146 |
86503 |
85436 |
| 3.1 BHIM Aadhaar Pay @ |
160.84 |
19.50 |
17.49 |
21.99 |
2580 |
253 |
414 |
462 |
| 3.2 NACH Dr $ |
9629.61 |
791.81 |
877.08 |
876.81 |
868906 |
66830 |
85980 |
84818 |
| 3.3 NETC (linked to bank account) @ |
649.96 |
45.96 |
91.75 |
109.52 |
913 |
63 |
109 |
155 |
| 4 Card Payments |
57,786.60 |
4,814.53 |
5,225.86 |
5,493.00 |
12,91,799 |
1,05,081 |
1,35,972 |
1,42,600 |
| 4.1 Credit Cards |
17,641.06 |
1,425.11 |
1,820.49 |
1,904.71 |
6,30,414 |
50,311 |
74,885 |
77,733 |
| 4.1.1 PoS based $ |
8688.81 |
659.47 |
900.27 |
984.62 |
280769 |
21001 |
30498.08 |
32968.89 |
| 4.1.2 Others $ |
8952.25 |
765.64 |
920.21 |
920.08 |
349645 |
29310 |
44386.68 |
44764.13 |
| 4.2 Debit Cards |
40,145.54 |
3,389.42 |
3,405.37 |
3,588.29 |
661385 |
54770 |
61087 |
64867 |
| 4.2.1 PoS based $ |
20773.50 |
1647.47 |
1901.64 |
2119.63 |
377630 |
29525 |
36764 |
41177 |
| 4.2.2 Others $ |
19372.04 |
1741.95 |
1503.73 |
1468.66 |
283755 |
25245 |
24324 |
23690 |
| 5 Prepaid Payment Instruments |
49,392.29 |
4,932.61 |
4,959.07 |
5,185.79 |
197696 |
16808 |
20806 |
22631 |
| 5.1 Wallets |
39987.01 |
3967.82 |
4079.19 |
4201.24 |
152065 |
13000 |
17053 |
17712 |
| 5.2 Cards |
9,405.28 |
964.79 |
879.89 |
984.54 |
45631 |
3808 |
3753 |
4919 |
| 5.2.1 PoS based $ |
437.33 |
29.20 |
63.24 |
83.94 |
11639 |
737 |
683 |
1104 |
| 5.2.2 Others $ |
8967.95 |
935.59 |
816.64 |
900.60 |
33992 |
3072 |
3070 |
3815 |
| 6 Paper-based Instruments |
6,703.70 |
519.83 |
596.11 |
588.62 |
5627189 |
425462 |
553256 |
533903 |
| 6.1 CTS (NPCI Managed) |
6702.53 |
519.72 |
596.11 |
588.62 |
5625941 |
425252 |
553256 |
533903 |
| 6.2 Others |
1.17 |
0.11 |
0.00 |
0.00 |
1249 |
210 |
0 |
0 |
| Total - Retail Payments (2+3+4+5+6) |
4,42,174.81 |
35,092.34 |
53,134.79 |
57,646.38 |
41511233 |
3171322 |
4011354 |
4062192 |
| Total Payments (1+2+3+4+5+6) |
4,43,766.73 |
35,209.11 |
53,302.44 |
57,812.90 |
147111082 |
10463702 |
14752668 |
14226488 |
| Total Digital Payments (1+2+3+4+5) |
4,37,063.03 |
34,689.28 |
52,706.33 |
57,224.28 |
141483892 |
10038240 |
14199411 |
13692586 |
| PART II - Payment Modes and Channels |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2020-21 |
2020 Aug |
2021 |
2021 |
FY 2020-21 |
2020 Aug |
2021 |
2021 |
| July |
August |
July |
August |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Other Payment Channels |
|
|
|
|
|
|
|
|
| 1 Mobile Payments (mobile app based) |
258033.70 |
19962.77 |
37458.94 |
39030.52 |
9201212 |
678278 |
1149340 |
1136546 |
| 1.1 Intra-bank $ |
25,220.71 |
1,736.72 |
3,134.21 |
3,244.31 |
18,71,390 |
1,40,148 |
2,10,636 |
2,01,775 |
| 1.2 Inter-bank $ |
2,32,812.99 |
18,226.05 |
34,324.73 |
35,786.20 |
73,29,822 |
5,38,130 |
9,38,704 |
9,34,771 |
| 2 Internet Payments (Netbanking / internet browser based) @ |
32493.63 |
2651.34 |
3048.81 |
3134.32 |
4,15,81,497 |
30,06,656 |
37,10,473 |
36,88,425 |
| 2.1 Intra-bank @ |
6,886.15 |
557.18 |
606.23 |
603.29 |
2,06,01,554 |
14,94,618 |
16,25,684 |
16,36,328 |
| 2.2 Inter-bank @ |
25,607.48 |
2,094.17 |
2,442.58 |
2,531.03 |
2,09,79,943 |
15,12,038 |
20,84,788 |
20,52,097 |
| B. ATMs |
|
|
|
|
|
|
|
|
| 3. Cash Withdrawal at ATMs $ |
60,905.81 |
4,862.15 |
5,378.72 |
5,688.70 |
28,89,826 |
2,36,446 |
2,54,880 |
2,62,881 |
| 3.1 Using Credit Cards $ |
51.41 |
3.66 |
4.74 |
5.02 |
2560 |
184 |
235 |
248 |
| 3.2 Using Debit Cards $ |
60602.23 |
4837.94 |
5348.70 |
5656.34 |
2878025 |
235550 |
253780 |
261683 |
| 3.3 Using Pre-paid Cards $ |
252.17 |
20.55 |
25.28 |
27.34 |
9240 |
713 |
865 |
950 |
| 4. Cash Withdrawal at PoS $ |
394.77 |
32.48 |
7.45 |
6.62 |
1533 |
134 |
62 |
70 |
| 4.1 Using Debit Cards $ |
353.50 |
27.89 |
6.15 |
5.50 |
1484 |
129 |
43 |
42 |
| 4.2 Using Pre-paid Cards $ |
41.27 |
4.60 |
1.30 |
1.12 |
49 |
5 |
19 |
28 |
| 5. Cash Withdrawal at Micro ATMs @ |
9460.43 |
814.30 |
869.89 |
1061.82 |
225420 |
19513 |
22973 |
26830 |
| 5.1 AePS @ |
9460.43 |
814.30 |
869.89 |
1061.82 |
225420 |
19513 |
22973 |
26830 |
| PART III - Payment Infrastructures (lakh) |
| |
As on March 2021 |
2020 Aug |
2021 |
2021 |
| July |
August |
| 1 |
2 |
3 |
4 |
| Payment System Infrastructures |
|
|
|
|
| 1 Number of Cards |
9,602.51 |
9,132.03 |
9,694.51 |
9,777.46 |
| 1.1 Credit Cards |
620.49 |
578.31 |
634.14 |
639.34 |
| 1.2 Debit Cards |
8,982.02 |
8,553.73 |
9060.36 |
9138.11 |
| 2 Number of PPIs @ |
21,952.60 |
20,134.06 |
23,388.31 |
23,850.19 |
| 2.1 Wallets @ |
20,052.10 |
18,482.49 |
21,244.36 |
21,645.16 |
| 2.2 Cards @ |
1,900.51 |
1,651.58 |
2,143.95 |
2,205.02 |
| 3 Number of ATMs |
2.39 |
2.33 |
2.40 |
2.41 |
| 3.1 Bank owned ATMs $ |
2.14 |
2.09 |
2.13 |
2.14 |
| 3.2 White Label ATMs $ |
0.25 |
0.24 |
0.27 |
0.27 |
| 4 Number of Micro ATMs @ |
4.04 |
3.07 |
4.75 |
4.94 |
| 5 Number of PoS Terminals |
47.20 |
43.55 |
46.08 |
47.48 |
| 6 Bharat QR @ |
35.70 |
22.99 |
51.24 |
52.69 |
| 7 UPI QR * |
925.22 |
- |
1070.08 |
1092.04 |
@: New inclusion w.e.f. November 2019
$ : 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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