Payment System Indicators - January 2023 (Revised) - RBI - Reserve Bank of India
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Payment System Indicators - January 2023 (Revised)
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. |
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