PART I - Payment System Indicators - Payment & Settlement System Statistics
	Volume (lakh)				Value (₹ crore)
	FY 2021-22	2022 January	2022	2023	FY 2021-22	2022 January	2022	2023
			December	January			December	January
	1	2	3	4	1	2	3	4
A. Settlement Systems
Financial Market Infrastructures (FMIs)
1 CCIL Operated Systems	33.01	2.54	3.42	3.66	206873112	17839802	22326077	21571346
1.1 Govt. Securities Clearing	12.22	0.93	1.19	1.17	142072939	12892869	15144169	14383734
1.1.1 Outright	6.22	0.40	0.60	0.60	8793301	569722	711065	785714
1.1.2 Repo	3.08	0.26	0.36	0.35	51015712	4348558	6125370	5556922
1.1.3 Tri-party Repo	2.92	0.28	0.23	0.21	82263926	7974589	8307734	8041098
1.2 Forex Clearing	19.91	1.52	2.16	2.40	59775826	4470518	6670289	6553596
1.3 Rupee Derivatives @	0.88	0.09	0.07	0.10	5024347	476415	511620	634016
B. Payment Systems
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS	2078.39	181.29	215.03	204.18	128657516	10449109	13736057	12546467
1.1 Customer Transactions	2063.73	180.08	213.80	202.99	113319292	9285159	12180091	11028450
1.2 Interbank Transactions	14.66	1.21	1.23	1.19	15338225	1163950	1555966	1518016
II Retail
2 Credit Transfers - Retail	577934.74	57367.30	90675.95	92396.07	42728006	3806628	4928331	4738328
2.1 AePS (Fund Transfers) @	9.76	0.55	0.32	0.32	575	29	21	23
2.2 APBS $	12573.33	1111.28	1157.66	1112.35	133345	18101	20670	19956
2.3 IMPS	46625.25	4401.73	4858.37	4745.08	4171037	387007	486552	477491
2.4 NACH Cr $	18757.82	2053.15	1515.84	1354.13	1281685	126812	157435	131620
2.5 NEFT	40407.29	3629.03	4854.81	4798.31	28725463	2442686	2981681	2810180
2.6 UPI @	459561.30	46171.56	78288.95	80385.88	8415900	831993	1281971	1299059
2.6.1 of which USSD @	11.99	0.81	1.92	1.79	177	11	21	19
3 Debit Transfers and Direct Debits	12189.49	1059.01	1357.72	1360.36	1034444	91554	116425	115658
3.1 BHIM Aadhaar Pay @	227.73	24.47	12.71	13.01	6113	728	446	468
3.2 NACH Dr $	10754.74	934.07	1198.55	1202.79	1026641	90703	115737	114953
3.3 NETC (linked to bank account) @	1207.02	100.47	146.46	144.56	1689	123	242	236
4 Card Payments	61782.93	5151.05	5223.57	5103.61	1701851	147794	185150	183460
4.1 Credit Cards	22398.82	1958.05	2556.47	2593.52	971638	87769	126524	127682
4.1.1 PoS based $	11124.59	960.63	1405.79	1409.19	380643	32735	48611	48934
4.1.2 Others $	11274.23	997.43	1150.68	1184.33	590994	55034	77913	78748
4.2 Debit Cards	39384.11	3193.00	2667.10	2510.09	730213	60025	58626	55778
4.2.1 PoS based $	22967.10	1924.51	1859.33	1742.51	451550	37274	39574	37520
4.2.2 Others $	16417.00	1268.48	807.77	767.59	278663	22752	19052	18258
5 Prepaid Payment Instruments	65782.75	5807.67	6354.65	6129.40	279416	24796	22648	22193
5.1 Wallets	53013.86	4613.76	5012.71	4873.96	220183	19789	18400	17899
5.2 Cards	12768.89	1193.91	1341.94	1255.44	59233	5007	4248	4294
5.2.1 PoS based $	1116.16	117.57	61.58	64.59	19546	2368	722	774
5.2.2 Others $	11652.73	1076.35	1280.37	1190.86	39687	2639	3527	3520
6 Paper-based Instruments	6999.12	596.99	608.13	573.17	6650333	557721	621387	570639
6.1 CTS (NPCI Managed)	6999.12	596.99	608.13	573.17	6650333	557721	621387	570639
6.2 Others	0.00	0.00	0.00	0.00	0	0	0	0
Total Retail Payments (2+3+4+5+6)	724689.03	69982.02	104220.02	105562.61	52394049	4628493	5873941	5630279
Total Payments (1+2+3+4+5+6)	726767.42	70163.31	104435.05	105766.79	181051565	15077603	19609998	18176745
Total Digital Payments (1+2+3+4+5)	719768.30	69566.32	103826.92	105193.62	174401233	14519881	18988611	17606106

PART II - Payment Modes and Channels
	Volume (lakh)				Value (₹ crore)
	FY 2021-22	2022 January	2022	2023	FY 2021-22	2022 January	2022	2023
			December	January			December	January
	1	2	3	4	1	2	3	4
A. Other Payment Channels
1 Mobile Payments (mobile app based)	506842.31	49905.88	84929.11	86642.24	14961371	1418856	2134123	2105417
1.1 Intra-bank $	40805.69	3879.91	5560.78	4884.25	2726363	250455	375775	345334
1.2 Inter-bank $	466036.62	46025.97	79368.33	81757.99	12235007	1168401	1758348	1760083
2 Internet Payments (Netbanking / internet browser based) @	40825.85	3564.14	3661.95	3544.67	83255958	7413832	8544692	7327328
2.1 Intra-bank @	9576.46	833.10	949.91	889.79	52139336	4718914	4926079	4089462
2.2 Inter-bank @	31249.39	2731.05	2712.04	2654.88	31116622	2694918	3618612	3237866
B. ATMs
3. Cash Withdrawal at ATMs $	65240.43	5554.51	5891.49	5749.82	3111946	262384	280461	272135
3.1 Using Credit Cards $	62.37	5.49	8.13	8.13	3130	269	392	385
3.2 Using Debit Cards $	64851.61	5519.66	5850.04	5708.93	3097739	261124	278923	270588
3.3 Using Pre-paid Cards $	326.45	29.36	33.33	32.76	11076	990	1146	1161
4. Cash Withdrawal at PoS $	91.17	2.13	2.38	2.44	728	20	24	25
4.1 Using Debit Cards $	79.42	2.08	2.37	2.43	557	20	24	25
4.2 Using Pre-paid Cards $	11.75	0.05	0.02	0.02	171	0	0	0
5. Cash Withdrawal at Micro ATMs @	11126.04	1125.54	934.53	963.46	299776	28582	25484	26203
5.1 AePS @	11126.04	1125.54	934.53	963.46	299776	28582	25484	26203

PART III - Payment Infrastructures (lakh)
	As on March 2022	2022 January	2022	2023
			December	January
	1	2	3	4
Payment System Infrastructures
1 Number of Cards	9912.93	10111.81	10206.53	10280.33
1.1 Credit Cards	736.27	702.52	811.87	824.52
1.2 Debit Cards	9176.66	9409.29	9394.66	9455.81
2 Number of PPIs @	15553.69	15389.63	16234.69	16029.29
2.1 Wallets @	12787.93	12722.56	13346.64	13244.34
2.2 Cards @	2765.76	2667.07	2888.05	2784.95
3 Number of ATMs and CRMs	2.52	2.46	2.57	2.58
3.1 Bank owned ATMs$ and CRMs#	2.20	2.16	2.20	2.21
3.2 White Label ATMs $	0.31	0.30	0.37	0.37
4 Number of Micro ATMs @	9.16	7.78	14.19	14.75
5 Number of PoS Terminals	60.70	56.20	75.50	76.57
6 Bharat QR @	49.72	46.97	49.59	50.57
7 UPI QR *	1727.34	1521.05	2361.82	2442.34

PART IV - Payment Modes and Channels (International)
	Details of International transactions done using cards (credit, debit and PPI) issued in India
	Volume (lakh)		Value (₹ crore)
	2022	2023	2022	2023
	December	January	December	January
1. Card Payments	198.88	186.50	9761	8561
1.1 Credit Cards	126.76	119.17	6936	5898
1.1.1 PoS based	18.73	16.35	1529	1366
1.1.2 Online	108.03	102.82	5407	4532
1.2 Debit Cards	72.12	67.33	2825	2663
1.2.1 PoS based	16.87	15.39	614	586
1.2.2 Online	55.25	51.94	2211	2077
2. Prepaid Payment Instruments	27.84	25.37	1024	990
2.1 PoS based	23.79	21.35	792	718
2.2 Online	4.05	4.02	232	272
3. Cash Withdrawal at ATMs	8.49	8.20	1755	1944
3.1 Using Credit Cards	0.38	0.32	56	50
3.2 Using Debit Cards	6.03	5.88	1007	1081
3.3 Using PPIs	2.08	2.00	692	813
Total International Payments	235.21	220.07	12541	11495

PART V - Domestic Payment Frauds
	Volume (Lakh)	Value (Crore)	One in every X payment transaction fraudulent	FTS (Fraud / Payment Value * 10000)
September 2022	1.71	249	58177.41	0.127 bps
October 2022	1.79	220	59533.35	0.127 bps
November 2022	2.06	257	50620.69	0.143 bps
December 2022	1.54	204	72426.75	0.103 bps
January 2023	1.57	195	71681.44	0.106 bps
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. 5. Data on domestic payment fraud statistics as reported by Scheduled Commercial Banks (excluding RRBs), Non-bank PPI issuers and Non-bank Credit Card issuers in CPFIR (Central Payments Fraud Information Registry). 6. Data does not include attempts to perpetrate frauds.