| PART I - Payment System Indicators - Payment & Settlement System Statistics |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2020-21 |
2021 February |
2022 |
2022 |
FY 2020-21 |
2021 February |
2022 |
2022 |
| January |
February |
January |
February |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Settlement Systems |
|
|
|
|
|
|
|
|
| Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 CCIL Operated Systems |
27.97 |
2.44 |
2.54 |
2.92 |
161943141 |
15872384 |
17839802 |
17994586 |
| 1.1 Govt. Securities Clearing |
11.55 |
0.95 |
0.93 |
1.10 |
110634315 |
10901991 |
12892869 |
12914111 |
| 1.1.1 Outright |
6.28 |
0.47 |
0.40 |
0.58 |
10032187 |
681845 |
569722 |
721038 |
| 1.1.2 Repo |
2.84 |
0.24 |
0.26 |
0.25 |
43751173 |
3678988 |
4348558 |
4221392 |
| 1.1.3 Tri-party Repo |
2.43 |
0.24 |
0.28 |
0.27 |
56850956 |
6541158 |
7974589 |
7971681 |
| 1.2 Forex Clearing |
16.04 |
1.44 |
1.52 |
1.73 |
48903961 |
4629628 |
4470518 |
4540145 |
| 1.3 Rupee Derivatives @ |
0.38 |
0.05 |
0.09 |
0.10 |
2404865 |
340765 |
476415 |
540330 |
| B. Payment Systems |
|
|
|
|
|
|
|
|
| I Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 Credit Transfers - RTGS |
1591.92 |
157.70 |
181.29 |
180.29 |
105599849 |
9050425 |
10449109 |
10324618 |
| 1.1 Customer Transactions |
1573.47 |
156.20 |
180.08 |
179.15 |
91008367 |
7645510 |
9285159 |
9277356 |
| 1.2 Interbank Transactions |
18.45 |
1.50 |
1.21 |
1.13 |
14591482 |
1404916 |
1163950 |
1047262 |
| II Retail |
|
|
|
|
|
|
|
|
| 2 Credit Transfers - Retail |
317867.74 |
30607.09 |
57362.63 |
55283.72 |
33504226 |
2919321 |
3803991 |
3806375 |
| 2.1 AePS (Fund Transfers) @ |
11.31 |
0.92 |
0.55 |
0.51 |
623 |
54 |
29 |
28 |
| 2.2 APBS $ |
14372.99 |
835.54 |
1106.32 |
629.87 |
111001 |
4766 |
18048 |
13043 |
| 2.3 IMPS |
32783.47 |
3189.73 |
4401.73 |
4209.31 |
2941500 |
275230 |
387007 |
384404 |
| 2.4 NACH Cr $ |
16465.44 |
830.89 |
2053.44 |
1536.56 |
1216535 |
61364 |
124228 |
104998 |
| 2.5 NEFT |
30927.89 |
2821.07 |
3629.03 |
3632.58 |
25130910 |
2152844 |
2442686 |
2477059 |
| 2.6 UPI @ |
223306.64 |
22928.94 |
46171.56 |
45274.89 |
4103658 |
425063 |
831993 |
826843 |
| 2.6.1 of which USSD @ |
10.45 |
0.82 |
0.81 |
0.68 |
172 |
13 |
11 |
10 |
| 3 Debit Transfers and Direct Debits |
10456.54 |
861.94 |
1059.01 |
1089.30 |
865520 |
68323 |
91554 |
90746 |
| 3.1 BHIM Aadhaar Pay @ |
160.84 |
9.33 |
24.47 |
15.23 |
2580 |
223 |
728 |
506 |
| 3.2 NACH Dr $ |
9645.75 |
781.43 |
934.07 |
948.20 |
862027 |
68011 |
90703 |
90056 |
| 3.3 NETC (linked to bank account) @ |
649.96 |
71.18 |
100.47 |
125.87 |
913 |
88 |
123 |
184 |
| 4 Card Payments |
57,786.60 |
5,059.24 |
5,151.05 |
4,840.43 |
12,91,799 |
1,19,331 |
1,47,794 |
1,43,106 |
| 4.1 Credit Cards |
17,641.06 |
1,613.77 |
1,958.05 |
1,884.24 |
6,30,414 |
60,105 |
87,769 |
86,041 |
| 4.1.1 PoS based $ |
8688.81 |
863.91 |
960.63 |
963.40 |
280769 |
27754 |
32735 |
32500 |
| 4.1.2 Others $ |
8952.25 |
749.87 |
997.43 |
920.84 |
349645 |
32350 |
55034 |
53541 |
| 4.2 Debit Cards |
40,145.54 |
3,445.46 |
3,193.00 |
2,956.19 |
661385 |
59227 |
60025 |
57065 |
| 4.2.1 PoS based $ |
20773.50 |
2008.87 |
1924.51 |
1845.45 |
377630 |
37414 |
37274 |
36376 |
| 4.2.2 Others $ |
19372.04 |
1436.60 |
1268.48 |
1110.75 |
283755 |
21813 |
22752 |
20689 |
| 5 Prepaid Payment Instruments |
49,742.55 |
4,560.42 |
5,865.60 |
5,626.89 |
197696 |
18274 |
26105 |
24649 |
| 5.1 Wallets |
39987.01 |
3652.79 |
4613.76 |
4386.09 |
152064.83 |
12742 |
19789 |
17259 |
| 5.2 Cards |
9,755.54 |
907.63 |
1,251.85 |
1,240.79 |
45631 |
5532 |
6316 |
7390 |
| 5.2.1 PoS based $ |
607.15 |
58.80 |
114.11 |
126.61 |
10591 |
1117 |
2307 |
3360 |
| 5.2.2 Others $ |
9148.39 |
848.83 |
1137.73 |
1114.18 |
35040 |
4415 |
4009 |
4030 |
| 6 Paper-based Instruments |
6,703.70 |
636.07 |
596.99 |
581.98 |
5627189 |
547109 |
557721 |
615321 |
| 6.1 CTS (NPCI Managed) |
6702.53 |
636.07 |
596.99 |
581.98 |
5625941 |
547109 |
557721 |
615321 |
| 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 |
41,724.77 |
70,035.28 |
67,422.32 |
41486430 |
3672358 |
4627165 |
4680197 |
| Total Payments (1+2+3+4+5+6) |
4,44,149.06 |
41,882.46 |
70,216.58 |
67,602.60 |
147086278 |
12722783 |
15076275 |
15004815 |
| Total Digital Payments (1+2+3+4+5) |
4,37,445.36 |
41,246.39 |
69,619.59 |
67,020.62 |
141459089 |
12175674 |
14518553 |
14389494 |
| PART II - Payment Modes and Channels |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2020-21 |
2021 February |
2022 |
2022 |
FY 2020-21 |
2021 February |
2022 |
2022 |
| January |
February |
January |
February |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Other Payment Channels |
|
|
|
|
|
|
|
|
| 1 Mobile Payments (mobile app based) |
2,58,033.70 |
24,372.08 |
50,122.61 |
48,507.66 |
92,01,212 |
9,33,736 |
14,22,872 |
13,95,093 |
| 1.1 Intra-bank $ |
25,220.71 |
2,345.81 |
3,879.91 |
3,626.98 |
18,71,390 |
1,86,602 |
250455 |
246931 |
| 1.2 Inter-bank $ |
2,32,812.99 |
22,026.27 |
46,242.71 |
44,880.68 |
73,29,822 |
7,47,134 |
1172417 |
1148163 |
| 2 Internet Payments (Netbanking / internet browser based) @ |
32,493.63 |
2,900.22 |
3,091.31 |
2,697.65 |
4,15,81,497 |
39,99,196 |
40,08,361 |
38,24,220 |
| 2.1 Intra-bank @ |
6,886.15 |
580.98 |
598.61 |
552.69 |
2,06,01,554 |
20,76,458 |
1723484 |
1635618 |
| 2.2 Inter-bank @ |
25,607.48 |
2,319.24 |
2,492.69 |
2,144.96 |
2,09,79,943 |
19,22,739 |
2284877 |
2188602 |
| B. ATMs |
|
|
|
|
|
|
|
|
| 3. Cash Withdrawal at ATMs $ |
60,905.81 |
5,534.33 |
5,558.75 |
5,300.30 |
28,89,826 |
2,59,249 |
2,62,384 |
2,56,463 |
| 3.1 Using Credit Cards $ |
51.41 |
4.98 |
5.49 |
5.29 |
2560 |
253 |
269.39 |
263.73 |
| 3.2 Using Debit Cards $ |
60602.23 |
5506.07 |
5523.91 |
5266.81 |
2878025 |
258100 |
261124.03 |
255218.18 |
| 3.3 Using Pre-paid Cards $ |
252.17 |
23.28 |
29.36 |
28.20 |
9240 |
895 |
990 |
981 |
| 4. Cash Withdrawal at PoS $ |
394.77 |
21.79 |
2.36 |
2.46 |
1533 |
117 |
35 |
39 |
| 4.1 Using Debit Cards $ |
353.50 |
19.81 |
2.08 |
2.15 |
1484 |
114 |
19.59 |
20.26 |
| 4.2 Using Pre-paid Cards $ |
41.27 |
1.98 |
0.28 |
0.32 |
49 |
3 |
16 |
19 |
| 5. Cash Withdrawal at Micro ATMs @ |
9460.43 |
656.57 |
1125.54 |
928.46 |
225420 |
18381 |
28582 |
24975 |
| 5.1 AePS @ |
9460.43 |
656.57 |
1125.54 |
928.46 |
225420 |
18381 |
28582 |
24975 |
| PART III - Payment Infrastructures (lakh) |
|
| |
As on March 2021 |
2021 February |
2022 |
2022 |
| January |
February |
| 1 |
2 |
3 |
4 |
| Payment System Infrastructures |
|
|
|
|
| 1 Number of Cards |
9,602.51 |
9,556.49 |
10,111.81 |
10,067.74 |
| 1.1 Credit Cards |
620.49 |
616.47 |
702.52 |
717.08 |
| 1.2 Debit Cards |
8,982.02 |
8,940.02 |
9409.29 |
9350.66 |
| 2 Number of PPIs @ |
21,952.60 |
21,556.23 |
26,898.31 |
27,320.10 |
| 2.1 Wallets @ |
20,052.10 |
19,733.68 |
24,231.94 |
24,605.03 |
| 2.2 Cards @ |
1,900.51 |
1,822.56 |
2,666.37 |
2,715.07 |
| 3 Number of ATMs and CRMs |
2.39 |
2.35 |
2.51 |
2.54 |
| 3.1 Bank owned ATMs$ and CRMs# |
2.14 |
2.10 |
2.21 |
2.23 |
| 3.2 White Label ATMs $ |
0.25 |
0.25 |
0.30 |
0.31 |
| 4 Number of Micro ATMs @ |
4.04 |
3.73 |
6.43 |
7.16 |
| 5 Number of PoS Terminals |
47.20 |
47.15 |
56.20 |
58.34 |
| 6 Bharat QR @ |
35.70 |
34.92 |
46.97 |
48.27 |
| 7 UPI QR * |
925.22 |
875.86 |
1521.05 |
1600.19 |
@: 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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