| PART I - Payment System Indicators - Payment & Settlement System Statistics |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2021-22 |
2021 August |
2022 |
2022 |
FY 2021-22 |
2021 August |
2022 |
2022 |
| July |
August |
July |
August |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Settlement Systems |
|
|
|
|
|
|
|
|
| Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 CCIL Operated Systems |
33.01 |
2.51 |
3.39 |
3.30 |
206873112 |
15362952 |
21126044 |
20028644 |
| 1.1 Govt. Securities Clearing |
12.22 |
0.96 |
1.33 |
1.33 |
142072939 |
10388877 |
14218681 |
13493765 |
| 1.1.1 Outright |
6.22 |
0.50 |
0.71 |
0.75 |
8793301 |
730532 |
851204 |
888832 |
| 1.1.2 Repo |
3.08 |
0.24 |
0.34 |
0.32 |
51015712 |
3479766 |
5764070 |
5251883 |
| 1.1.3 Tri-party Repo |
2.92 |
0.22 |
0.28 |
0.25 |
82263926 |
6178579 |
7603407 |
7353051 |
| 1.2 Forex Clearing |
19.91 |
1.48 |
1.93 |
1.89 |
59775826 |
4599545 |
6272728 |
5970122 |
| 1.3 Rupee Derivatives @ |
0.88 |
0.06 |
0.13 |
0.09 |
5024347 |
374530 |
634635 |
564757 |
| B. Payment Systems |
|
|
|
|
|
|
|
|
| I Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 Credit Transfers - RTGS |
2078.39 |
166.52 |
189.26 |
188.08 |
128657516 |
10164296 |
11551440 |
11665583 |
| 1.1 Customer Transactions |
2063.73 |
165.34 |
188.06 |
186.92 |
113319292 |
8940380 |
9927091 |
10274480 |
| 1.2 Interbank Transactions |
14.66 |
1.18 |
1.20 |
1.16 |
15338225 |
1223916 |
1624349 |
1391103 |
| II Retail |
|
|
|
|
|
|
|
|
| 2 Credit Transfers - Retail |
577934.74 |
45370.66 |
74673.64 |
77757.95 |
42728006 |
3277624 |
4267239 |
4288963 |
| 2.1 AePS (Fund Transfers) @ |
9.76 |
1.05 |
0.68 |
0.54 |
575 |
61 |
40 |
30 |
| 2.2 APBS $ |
12573.33 |
722.32 |
1259.99 |
1162.46 |
133345 |
10305 |
12511 |
9662 |
| 2.3 IMPS |
46625.25 |
3797.12 |
4608.30 |
4669.09 |
4171037 |
320203 |
444541 |
445989 |
| 2.4 NACH Cr $ |
18757.82 |
2075.99 |
1892.88 |
1940.04 |
1281685 |
98119 |
119677 |
128480 |
| 2.5 NEFT |
40407.29 |
3218.73 |
4018.39 |
4166.76 |
28725463 |
2209818 |
2627354 |
2631639 |
| 2.6 UPI @ |
459561.30 |
35555.45 |
62893.40 |
65819.06 |
8415900 |
639117 |
1063117 |
1073162 |
| 2.6.1 of which USSD @ |
11.99 |
1.14 |
1.62 |
1.63 |
177 |
17 |
18 |
17 |
| 3 Debit Transfers and Direct Debits |
12189.49 |
1008.32 |
1217.97 |
1247.15 |
1034444 |
85436 |
100581 |
102824 |
| 3.1 BHIM Aadhaar Pay @ |
227.73 |
21.99 |
21.26 |
17.57 |
6113 |
462 |
621 |
516 |
| 3.2 NACH Dr $ |
10754.74 |
876.81 |
1067.05 |
1097.38 |
1026641 |
84818 |
99754 |
102100 |
| 3.3 NETC (linked to bank account) @ |
1207.02 |
109.52 |
129.66 |
132.20 |
1689 |
155 |
207 |
209 |
| 4 Card Payments |
61,782.93 |
5,493.00 |
5,481.80 |
5,481.30 |
17,01,851 |
1,42,600 |
1,80,371 |
1,74,516 |
| 4.1 Credit Cards |
22,398.82 |
1,904.71 |
2,348.34 |
2,447.83 |
971638 |
77733 |
115856 |
112358 |
| 4.1.1 PoS based $ |
11124.59 |
984.62 |
1220.69 |
1330.54 |
380643 |
32969 |
41767 |
44943 |
| 4.1.2 Others $ |
11274.23 |
920.08 |
1127.64 |
1117.30 |
590994 |
44764 |
74089 |
67414 |
| 4.2 Debit Cards |
39,384.11 |
3,588.29 |
3,133.47 |
3,033.47 |
730213 |
64867 |
64515 |
62159 |
| 4.2.1 PoS based $ |
22967.10 |
2119.63 |
2053.40 |
2012.17 |
451550 |
41177 |
41211 |
40585 |
| 4.2.2 Others $ |
16417.00 |
1468.66 |
1080.07 |
1021.30 |
278663 |
23690 |
23304 |
21574 |
| 5 Prepaid Payment Instruments |
65,782.75 |
5,259.90 |
6,195.34 |
6,177.69 |
279416 |
22362 |
25309 |
24625 |
| 5.1 Wallets |
53013.86 |
4227.08 |
4855.87 |
4877.42 |
220183 |
17746 |
18775 |
18495 |
| 5.2 Cards |
12,768.89 |
1,032.82 |
1,339.48 |
1,300.27 |
59233 |
4617 |
6534 |
6131 |
| 5.2.1 PoS based $ |
1116.16 |
132.27 |
85.43 |
83.90 |
19546 |
1110 |
1285 |
1177 |
| 5.2.2 Others $ |
11652.73 |
900.54 |
1254.05 |
1216.37 |
39687 |
3507 |
5250 |
4953 |
| 6 Paper-based Instruments |
6,999.12 |
588.62 |
588.67 |
575.81 |
6650333 |
533903 |
579727 |
548385 |
| 6.1 CTS (NPCI Managed) |
6999.12 |
588.62 |
588.67 |
575.81 |
6650333 |
533903 |
579727 |
548385 |
| 6.2 Others |
0.00 |
0.00 |
0.00 |
0.00 |
0 |
0 |
0 |
0 |
| Total Retail Payments (2+3+4+5+6) |
7,24,689.03 |
57,720.50 |
88,157.42 |
91,239.89 |
52394049 |
4061924 |
5153226 |
5139314 |
| Total Payments (1+2+3+4+5+6) |
7,26,767.42 |
57,887.02 |
88,346.69 |
91,427.97 |
181051565 |
14226220 |
16704666 |
16804896 |
| Total Digital Payments (1+2+3+4+5) |
7,19,768.30 |
57,298.40 |
87,758.02 |
90,852.16 |
174401233 |
13692317 |
16124940 |
16256512 |
| PART II - Payment Modes and Channels |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2021-22 |
2021 August |
2022 |
2022 |
FY 2021-22 |
2021 August |
2022 |
2022 |
| July |
August |
July |
August |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Other Payment Channels |
|
|
|
|
|
|
|
|
| 1 Mobile Payments (mobile app based) |
5,07,531.37 |
39,029.40 |
68,451.32 |
72,227.76 |
1,49,73,493 |
11,36,503 |
17,86,719 |
18,27,748 |
| 1.1 Intra-bank $ |
40,805.69 |
3,244.29 |
4,902.42 |
6,590.62 |
27,26,363 |
2,01,774 |
3,23,929 |
3,63,782 |
| 1.2 Inter-bank $ |
4,66,725.68 |
35,785.12 |
63,548.90 |
65,637.14 |
1,22,47,129 |
9,34,729 |
14,62,790 |
14,63,966 |
| 2 Internet Payments (Netbanking / internet browser based) @ |
40,726.59 |
3,561.18 |
3,765.16 |
3,537.74 |
8,31,59,996 |
65,37,169 |
73,96,630 |
73,51,640 |
| 2.1 Intra-bank @ |
9,583.32 |
814.17 |
934.78 |
932.41 |
5,21,42,582 |
40,87,618 |
44,50,729 |
43,04,970 |
| 2.2 Inter-bank @ |
31,143.27 |
2,747.01 |
2,830.38 |
2,605.33 |
3,10,17,413 |
24,49,550 |
29,45,902 |
30,46,670 |
| B. ATMs |
|
|
|
|
|
|
|
|
| 3. Cash Withdrawal at ATMs $ |
65,240.43 |
5,684.73 |
5,774.19 |
5,766.61 |
31,11,946 |
2,62,881 |
2,72,103 |
2,68,788 |
| 3.1 Using Credit Cards $ |
62.37 |
5.02 |
6.95 |
7.46 |
3,130 |
248 |
342 |
359 |
| 3.2 Using Debit Cards $ |
64851.61 |
5652.37 |
5731.82 |
5723.84 |
30,97,739 |
2,61,683 |
2,70,609 |
2,67,289 |
| 3.3 Using Pre-paid Cards $ |
326.45 |
27.35 |
35.42 |
35.31 |
11,076 |
949 |
1,152 |
1,141 |
| 4. Cash Withdrawal at PoS $ |
91.17 |
6.52 |
2.26 |
2.19 |
728 |
64 |
22 |
21 |
| 4.1 Using Debit Cards $ |
79.42 |
5.50 |
2.25 |
2.16 |
557 |
42 |
22 |
21 |
| 4.2 Using Pre-paid Cards $ |
11.75 |
1.02 |
0.01 |
0.03 |
171 |
22 |
0 |
0 |
| 5. Cash Withdrawal at Micro ATMs @ |
11126.04 |
1061.82 |
1082.22 |
1021.48 |
2,99,776 |
26,830 |
29,517 |
26,193 |
| 5.1 AePS @ |
11126.04 |
1061.82 |
1082.22 |
1021.48 |
2,99,776 |
26,830 |
29,517 |
26,193 |
| PART III - Payment Infrastructures (lakh) |
| |
As on March 2022 |
2021 August |
2022 |
2022 |
| July |
August |
| 1 |
2 |
3 |
4 |
| Payment System Infrastructures |
|
|
|
|
| 1 Number of Cards |
9912.93 |
9771.97 |
10077.33 |
10128.50 |
| 1.1 Credit Cards |
736.27 |
639.34 |
802.56 |
779.91 |
| 1.2 Debit Cards |
9,176.66 |
9,132.63 |
9274.77 |
9348.59 |
| 2 Number of PPIs @ |
15,553.69 |
13,682.92 |
15,604.53 |
15,661.77 |
| 2.1 Wallets @ |
12,787.93 |
11,510.97 |
12,922.65 |
12,948.75 |
| 2.2 Cards @ |
2,765.76 |
2,171.94 |
2,681.89 |
2,713.02 |
| 3 Number of ATMs and CRMs |
2.52 |
2.41 |
2.54 |
2.54 |
| 3.1 Bank owned ATMs$ and CRMs# |
2.20 |
2.14 |
2.20 |
2.20 |
| 3.2 White Label ATMs $ |
0.31 |
0.27 |
0.34 |
0.34 |
| 4 Number of Micro ATMs @ |
9.16 |
6.31 |
10.97 |
11.31 |
| 5 Number of PoS Terminals |
60.70 |
48.16 |
68.19 |
70.58 |
| 6 Bharat QR @ |
49.72 |
43.52 |
45.21 |
47.49 |
| 7 UPI QR * |
1727.34 |
1142.06 |
2014.22 |
2092.54 |
@: 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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