| PART I - Payment System Indicators - Payment & Settlement System Statistics |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2020-21 |
2020 December |
2021 |
2021 |
FY 2020-21 |
2020 December |
2021 |
2021 |
| November |
December |
November |
December |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Settlement Systems |
|
|
|
|
|
|
|
|
| Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 CCIL Operated Systems |
27.97 |
2.62 |
2.56 |
3.13 |
161943141 |
15757032 |
17364381 |
20703988 |
| 1.1 Govt. Securities Clearing |
11.55 |
1.00 |
0.97 |
1.10 |
110634315 |
10816866 |
12229072 |
14801512 |
| 1.1.1 Outright |
6.28 |
0.51 |
0.46 |
0.48 |
10032187 |
772886 |
617831 |
651103 |
| 1.1.2 Repo |
2.84 |
0.25 |
0.26 |
0.30 |
43751173 |
4089804 |
4273958 |
5075401 |
| 1.1.3 Tri-party Repo |
2.43 |
0.24 |
0.25 |
0.31 |
56850956 |
5954176 |
7337283 |
9075009 |
| 1.2 Forex Clearing |
16.04 |
1.58 |
1.53 |
1.96 |
48903961 |
4651382 |
4816873 |
5516604 |
| 1.3 Rupee Derivatives @ |
0.38 |
0.04 |
0.06 |
0.07 |
2404865 |
288785 |
318437 |
385873 |
| B. Payment Systems |
|
|
|
|
|
|
|
|
| I Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 Credit Transfers - RTGS |
1591.92 |
163.48 |
172.14 |
192.78 |
105599849 |
10659120 |
10981778 |
12966991 |
| 1.1 Customer Transactions |
1573.47 |
161.72 |
170.95 |
191.50 |
91008367 |
9058136 |
9589985 |
11418233 |
| 1.2 Interbank Transactions |
18.45 |
1.75 |
1.19 |
1.29 |
14591482 |
1600984 |
1391793 |
1548758 |
| II Retail |
|
|
|
|
|
|
|
|
| 2 Credit Transfers - Retail |
317867.74 |
31735.79 |
51855.52 |
56422.79 |
33504226 |
3393355 |
3552986 |
4076395 |
| 2.1 AePS (Fund Transfers) @ |
11.31 |
1.03 |
0.62 |
0.65 |
623 |
61 |
35 |
36 |
| 2.2 APBS $ |
14372.99 |
1018.90 |
1119.16 |
1082.20 |
111001 |
8180 |
9750 |
14987 |
| 2.3 IMPS |
32783.47 |
3556.93 |
4120.29 |
4429.86 |
2941500 |
292325 |
364672 |
396411 |
| 2.4 NACH Cr $ |
16465.44 |
1741.20 |
1356.65 |
1483.71 |
1216535 |
118309 |
95602 |
113132 |
| 2.5 NEFT |
30927.89 |
3076.15 |
3394.00 |
3763.38 |
25130910 |
2558304 |
2314490 |
2724980 |
| 2.6 UPI @ |
223306.64 |
22341.58 |
41864.80 |
45662.99 |
4103658 |
416176 |
768436 |
826848 |
| 2.6.1 of which USSD @ |
10.45 |
0.88 |
1.00 |
1.12 |
172 |
14 |
15 |
16 |
| 3 Debit Transfers and Direct Debits |
10456.54 |
922.53 |
1031.91 |
1064.54 |
865520 |
81871 |
87212 |
91163 |
| 3.1 BHIM Aadhaar Pay @ |
160.84 |
8.90 |
19.78 |
19.59 |
2580 |
187 |
536 |
611 |
| 3.2 NACH Dr $ |
9645.75 |
840.43 |
900.10 |
937.92 |
862027 |
81576 |
86517 |
90426 |
| 3.3 NETC (linked to bank account) @ |
649.96 |
73.21 |
112.03 |
107.03 |
913 |
108 |
158 |
126 |
| 4 Card Payments |
57,786.60 |
5,502.88 |
5,418.18 |
5,611.80 |
12,91,799 |
1,28,665 |
1,56,326 |
1,60,398 |
| 4.1 Credit Cards |
17,641.06 |
1,737.79 |
2,011.16 |
2,112.59 |
6,30,414 |
63,487 |
89,217 |
93,907 |
| 4.1.1 PoS based $ |
8688.81 |
914.20 |
1068.93 |
1093.48 |
280769 |
28961 |
37498.79 |
36712.65 |
| 4.1.2 Others $ |
8952.25 |
823.59 |
942.23 |
1019.10 |
349645 |
34526 |
51718.05 |
57194.58 |
| 4.2 Debit Cards |
40,145.54 |
3,765.09 |
3,407.02 |
3,499.21 |
661385 |
65178 |
67109 |
66491 |
| 4.2.1 PoS based $ |
20773.50 |
2165.50 |
2112.04967 |
2202.51 |
377630 |
39437 |
43751 |
43062.3 |
| 4.2.2 Others $ |
19372.04 |
1599.59 |
1294.96723 |
1296.71 |
283755 |
25741 |
23358 |
23428.74 |
| 5 Prepaid Payment Instruments |
49,742.55 |
4,372.11 |
6,107.23 |
7,008.24 |
197696 |
18153 |
25583 |
26896 |
| 5.1 Wallets |
39987.01 |
3521.48 |
4870.19 |
5661.02 |
152065 |
13392 |
21041 |
21220 |
| 5.2 Cards |
9,755.54 |
850.63 |
1,237.04 |
1,347.22 |
45631 |
4761 |
4542 |
5676 |
| 5.2.1 PoS based $ |
607.15 |
58.15 |
74.48 |
99.63 |
10591 |
1107 |
1287 |
1893 |
| 5.2.2 Others $ |
9148.39 |
792.48 |
1162.56 |
1247.59 |
35040 |
3654 |
3255 |
3784 |
| 6 Paper-based Instruments |
6,703.70 |
719.40 |
577.00 |
660.33 |
5627189 |
618015 |
533223 |
640955 |
| 6.1 CTS (NPCI Managed) |
6702.53 |
719.40 |
577.00 |
660.33 |
5625941 |
618015 |
533223 |
640955 |
| 6.2 Others |
1.17 |
0.00 |
0.00 |
0.00 |
1249 |
0 |
0 |
0 |
| Total - Retail Payments (2+3+4+5+6) |
4,42,557.14 |
43,252.72 |
64,989.84 |
70,767.70 |
41486430 |
4240059 |
4355330 |
4995808 |
| Total Payments (1+2+3+4+5+6) |
4,44,149.06 |
43,416.20 |
65,161.97 |
70,960.48 |
147086278 |
14899180 |
15337108 |
17962798 |
| Total Digital Payments (1+2+3+4+5) |
4,37,445.36 |
42,696.80 |
64,584.97 |
70,300.15 |
141459089 |
14281164 |
14803885 |
17321843 |
| PART II - Payment Modes and Channels |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2020-21 |
2020 December |
2021 |
2021 |
FY 2020-21 |
2020 December |
2021 |
2021 |
| November |
December |
November |
December |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Other Payment Channels |
|
|
|
|
|
|
|
|
| 1 Mobile Payments (mobile app based) |
2,58,033.70 |
25,296.64 |
45,548.53 |
49,877.80 |
92,01,212 |
9,01,655 |
13,24,008 |
14,33,961 |
| 1.1 Intra-bank $ |
25,220.71 |
2,183.03 |
3,732.97 |
3,927.19 |
18,71,390 |
1,74,603 |
2,39,989 |
2,54,443 |
| 1.2 Inter-bank $ |
2,32,812.99 |
23,113.62 |
41,815.57 |
45,950.61 |
73,29,822 |
7,27,052 |
10,84,018 |
11,79,518 |
| 2 Internet Payments (Netbanking / internet browser based) @ |
32,493.63 |
3,147.85 |
2,860.67 |
3,117.10 |
4,15,81,497 |
40,79,472 |
39,37,877 |
45,31,114 |
| 2.1 Intra-bank @ |
6,886.15 |
637.64 |
570.26 |
611.14 |
2,06,01,554 |
19,34,396 |
17,88,978 |
20,82,236 |
| 2.2 Inter-bank @ |
25,607.48 |
2,510.20 |
2,290.41 |
2,505.96 |
2,09,79,943 |
21,45,077 |
21,48,899 |
24,48,878 |
| B. ATMs |
|
|
|
|
|
|
|
|
| 3. Cash Withdrawal at ATMs $ |
60,905.81 |
5,680.37 |
5,691.73 |
5,928.20 |
28,89,826 |
2,66,709 |
2,71,730 |
2,80,372 |
| 3.1 Using Credit Cards $ |
51.41 |
5.01 |
5.45 |
5.90 |
2560 |
246 |
276 |
295.21 |
| 3.2 Using Debit Cards $ |
60602.23 |
5650.86 |
5657.83 |
5893.54 |
2878025 |
265569 |
270515 |
279099.68 |
| 3.3 Using Pre-paid Cards $ |
252.17 |
24.51 |
28.44 |
28.76 |
9240 |
893 |
939 |
977 |
| 4. Cash Withdrawal at PoS $ |
394.77 |
39.89 |
4.82 |
3.89 |
1533 |
149 |
63 |
42 |
| 4.1 Using Debit Cards $ |
353.50 |
34.53 |
4.14 |
3.71 |
1484 |
142 |
39 |
34.61 |
| 4.2 Using Pre-paid Cards $ |
41.27 |
5.37 |
0.68 |
0.18 |
49 |
6 |
24 |
7 |
| 5. Cash Withdrawal at Micro ATMs @ |
9460.43 |
715.03 |
925.63 |
940.20 |
225420 |
19671 |
25112 |
25208 |
| 5.1 AePS @ |
9460.43 |
715.03 |
925.63 |
940.20 |
225420 |
19671 |
25112 |
25208 |
| PART III - Payment Infrastructures (lakh) |
| |
As on March 2021 |
2020 December |
2021 |
2021 |
| November |
December |
| 1 |
2 |
3 |
4 |
| Payment System Infrastructures |
|
|
|
|
| 1 Number of Cards |
9,602.51 |
9,460.57 |
10,015.90 |
10,066.90 |
| 1.1 Credit Cards |
620.49 |
603.97 |
675.83 |
689.49 |
| 1.2 Debit Cards |
8,982.02 |
8,856.60 |
9340.07 |
9377.42 |
| 2 Number of PPIs @ |
21,952.60 |
20,819.05 |
25,918.94 |
26,426.15 |
| 2.1 Wallets @ |
20,052.10 |
19,156.35 |
23,408.81 |
23,828.54 |
| 2.2 Cards @ |
1,900.51 |
1,662.70 |
2,510.13 |
2,597.62 |
| 3 Number of ATMs and CRMs |
2.39 |
2.33 |
2.42 |
2.49 |
| 3.1 Bank owned ATMs $ and CRMs# |
2.14 |
2.08 |
2.13 |
2.19 |
| 3.2 White Label ATMs $ |
0.25 |
0.25 |
0.29 |
0.30 |
| 4 Number of Micro ATMs @ |
4.04 |
3.56 |
5.57 |
5.91 |
| 5 Number of PoS Terminals |
47.20 |
45.85 |
52.92 |
54.98 |
| 6 Bharat QR @ |
35.70 |
32.00 |
45.41 |
46.47 |
| 7 UPI QR * |
925.22 |
752.31 |
1373.33 |
1440.10 |
@: 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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