| PART I - Payment System Indicators - Payment & Settlement System Statistics |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2020-21 |
2020 November |
2021 |
2021 |
FY 2020-21 |
2020 November |
2021 |
2021 |
| October |
November |
October |
November |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Settlement Systems |
|
|
|
|
|
|
|
|
| Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 CCIL Operated Systems |
27.97 |
2.45 |
2.85 |
2.56 |
161943141 |
10692192 |
16600978 |
17364381 |
| 1.1 Govt. Securities Clearing |
11.55 |
0.79 |
1.04 |
0.97 |
110634315 |
6942678 |
11415739 |
12229072 |
| 1.1.1 Outright |
6.28 |
0.48 |
0.55 |
0.46 |
10032187 |
727023 |
745937 |
617831 |
| 1.1.2 Repo |
2.84 |
0.12 |
0.25 |
0.26 |
43751173 |
1762647 |
3822009 |
4273958 |
| 1.1.3 Tri-party Repo |
2.43 |
0.19 |
0.23 |
0.25 |
56850956 |
4453008 |
6847793 |
7337283 |
| 1.2 Forex Clearing |
16.04 |
1.64 |
1.73 |
1.53 |
48903961 |
3625849 |
4736040 |
4816873 |
| 1.3 Rupee Derivatives @ |
0.38 |
0.02 |
0.08 |
0.06 |
2404865 |
123665 |
449200 |
318437 |
| B. Payment Systems |
|
|
|
|
|
|
|
|
| I Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 Credit Transfers - RTGS |
1591.92 |
137.80 |
184.11 |
172.14 |
105599849 |
7987655 |
10134368 |
10981778 |
| 1.1 Customer Transactions |
1573.47 |
136.13 |
182.90 |
170.95 |
91008367 |
6802206 |
8956918 |
9589985 |
| 1.2 Interbank Transactions |
18.45 |
1.67 |
1.22 |
1.19 |
14591482 |
1185449 |
1177450 |
1391793 |
| II Retail |
|
|
|
|
|
|
|
|
| 2 Credit Transfers - Retail |
317867.74 |
30269.97 |
52919.52 |
51855.52 |
33504226 |
2986234 |
3748602 |
3552986 |
| 2.1 AePS (Fund Transfers) @ |
11.31 |
0.93 |
0.86 |
0.62 |
623 |
54 |
49 |
35 |
| 2.2 APBS $ |
14372.99 |
927.29 |
1192.91 |
1119.16 |
111001 |
4400 |
7519 |
9750 |
| 2.3 IMPS |
32783.47 |
3391.14 |
4306.71 |
4120.29 |
2941500 |
276459 |
370712 |
364672 |
| 2.4 NACH Cr $ |
16465.44 |
1114.23 |
1660.26 |
1356.65 |
1216535 |
96069 |
122519 |
95602 |
| 2.5 NEFT |
30927.89 |
2734.10 |
3574.46 |
3394.00 |
25130910 |
2218252 |
2476397 |
2314490 |
| 2.6 UPI @ |
223306.64 |
22102.28 |
42184.32 |
41864.80 |
4103658 |
390999 |
771407 |
768436 |
| 2.6.1 of which USSD @ |
10.45 |
0.91 |
1.11 |
1.00 |
172 |
15 |
16 |
15 |
| 3 Debit Transfers and Direct Debits |
10456.54 |
944.24 |
979.36 |
1031.91 |
865520 |
78709 |
85776 |
87212 |
| 3.1 BHIM Aadhaar Pay @ |
160.84 |
9.39 |
21.49 |
19.78 |
2580 |
181 |
560 |
536 |
| 3.2 NACH Dr $ |
9645.75 |
869.63 |
865.69 |
900.10 |
862027 |
78433 |
85103 |
86517 |
| 3.3 NETC (linked to bank account) @ |
649.96 |
65.22 |
92.18 |
112.03 |
913 |
96 |
114 |
158 |
| 4 Card Payments |
57,786.60 |
5,428.32 |
6,008.76 |
5,418.21 |
12,91,799 |
1,30,239 |
1,77,413 |
1,56,325 |
| 4.1 Credit Cards |
17,641.06 |
1,662.58 |
2,155.81 |
2,011.16 |
6,30,414 |
62,350 |
1,00,943 |
89,217 |
| 4.1.1 PoS based $ |
8688.81 |
874.82 |
1075.23 |
1068.93 |
280769 |
30495 |
38442.37 |
37498.79 |
| 4.1.2 Others $ |
8952.25 |
787.76 |
1080.58 |
942.23 |
349645 |
31855 |
62500.41 |
51718.05 |
| 4.2 Debit Cards |
40,145.54 |
3,765.75 |
3,852.95 |
3,407.05 |
661385 |
67889 |
76471 |
67109 |
| 4.2.1 PoS based $ |
20773.50 |
2112.56 |
2302.56 |
2111.98 |
377630 |
42289 |
47226 |
43750 |
| 4.2.2 Others $ |
19372.04 |
1653.18 |
1550.39 |
1295.07 |
283755 |
25600 |
29245 |
23358 |
| 5 Prepaid Payment Instruments |
49,742.55 |
4,226.72 |
6,131.06 |
6,107.21 |
197696 |
16712 |
26372 |
25583 |
| 5.1 Wallets |
39987.01 |
3421.15 |
4888.97 |
4871.05 |
152065 |
12724 |
21702 |
21057 |
| 5.2 Cards |
9,755.54 |
805.58 |
1,242.09 |
1,236.16 |
45631 |
3987 |
4670 |
4526 |
| 5.2.1 PoS based $ |
607.15 |
72.00 |
64.58 |
74.48 |
10591 |
1111 |
998 |
1287 |
| 5.2.2 Others $ |
9148.39 |
733.57 |
1177.51 |
1161.68 |
35040 |
2877 |
3672 |
3240 |
| 6 Paper-based Instruments |
6,703.70 |
596.35 |
635.20 |
577.00 |
5627189 |
494383 |
582604 |
533223 |
| 6.1 CTS (NPCI Managed) |
6702.53 |
596.35 |
635.20 |
577.00 |
5625941 |
494383 |
582604 |
533223 |
| 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 |
41,465.61 |
66,673.91 |
64,989.85 |
41486430 |
3706276 |
4620768 |
4355329 |
| Total Payments (1+2+3+4+5+6) |
4,44,149.06 |
41,603.41 |
66,858.02 |
65,161.98 |
147086278 |
11693931 |
14755136 |
15337107 |
| Total Digital Payments (1+2+3+4+5) |
4,37,445.36 |
41,007.06 |
66,222.82 |
64,584.98 |
141459089 |
11199549 |
14172532 |
14803884 |
| PART II - Payment Modes and Channels |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2020-21 |
2020 November |
2021 |
2021 |
FY 2020-21 |
2020 November |
2021 |
2021 |
| October |
November |
October |
November |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Other Payment Channels |
|
|
|
|
|
|
|
|
| 1 Mobile Payments (mobile app based) |
2,58,033.70 |
24,288.77 |
45,884.23 |
45,045.78 |
92,01,212 |
8,22,100 |
13,53,833 |
13,06,948 |
| 1.1 Intra-bank $ |
25,220.71 |
2,191.98 |
3,761.38 |
3,230.26 |
18,71,390 |
1,65,155 |
2,43,728 |
2,22,891 |
| 1.2 Inter-bank $ |
2,32,812.99 |
22,096.79 |
42,122.85 |
41,815.52 |
73,29,822 |
6,56,945 |
11,10,105 |
10,84,057 |
| 2 Internet Payments (Netbanking / internet browser based) @ |
32,493.63 |
2,814.17 |
3,233.71 |
2,860.67 |
4,15,81,497 |
34,19,474 |
39,60,872 |
39,37,877 |
| 2.1 Intra-bank @ |
6,886.15 |
585.09 |
631.51 |
570.26 |
2,06,01,554 |
16,53,359 |
17,23,311 |
17,88,978 |
| 2.2 Inter-bank @ |
25,607.48 |
2,229.09 |
2,602.20 |
2,290.41 |
2,09,79,943 |
17,66,114 |
22,37,561 |
21,48,899 |
| B. ATMs |
|
|
|
|
|
|
|
|
| 3. Cash Withdrawal at ATMs $ |
60,905.81 |
5,887.86 |
6,037.14 |
5,690.35 |
28,89,826 |
2,77,940 |
2,89,888 |
2,71,685 |
| 3.1 Using Credit Cards $ |
51.41 |
4.64 |
5.64 |
5.45 |
2560 |
231 |
286 |
276 |
| 3.2 Using Debit Cards $ |
60602.23 |
5857.58 |
6002.43 |
5656.45 |
2878025 |
276797 |
288605 |
270470 |
| 3.3 Using Pre-paid Cards $ |
252.17 |
25.63 |
29.07 |
28.44 |
9240 |
912 |
997 |
939 |
| 4. Cash Withdrawal at PoS $ |
394.77 |
37.91 |
5.34 |
4.82 |
1533 |
143 |
64 |
63 |
| 4.1 Using Debit Cards $ |
353.50 |
32.33 |
4.44 |
4.14 |
1484 |
137 |
39 |
39 |
| 4.2 Using Pre-paid Cards $ |
41.27 |
5.58 |
0.90 |
0.68 |
49 |
6 |
25 |
24 |
| 5. Cash Withdrawal at Micro ATMs @ |
9460.43 |
684.78 |
946.33 |
925.63 |
225420 |
18820 |
24799 |
25112 |
| 5.1 AePS @ |
9460.43 |
684.78 |
946.33 |
925.63 |
225420 |
18820 |
24799 |
25112 |
| PART III - Payment Infrastructures (lakh) |
| |
As on March 2021 |
2020 November |
2021 |
2021 |
| October |
November |
| 1 |
2 |
3 |
4 |
| Payment System Infrastructures |
|
|
|
|
| 1 Number of Cards |
9,602.51 |
9,528.15 |
9,991.94 |
10,015.90 |
| 1.1 Credit Cards |
620.49 |
601.13 |
663.61 |
675.83 |
| 1.2 Debit Cards |
8,982.02 |
8,927.02 |
9328.34 |
9340.07 |
| 2 Number of PPIs @ |
21,952.60 |
20,443.15 |
25,307.71 |
25,421.67 |
| 2.1 Wallets @ |
20,052.10 |
18,857.67 |
22,886.70 |
22,911.53 |
| 2.2 Cards @ |
1,900.51 |
1,585.48 |
2,421.01 |
2,510.13 |
| 3 Number of ATMs |
2.39 |
2.34 |
2.41 |
2.42 |
| 3.1 Bank owned ATMs $ |
2.14 |
2.09 |
2.13 |
2.13 |
| 3.2 White Label ATMs $ |
0.25 |
0.25 |
0.28 |
0.29 |
| 4 Number of Micro ATMs @ |
4.04 |
3.57 |
5.34 |
5.57 |
| 5 Number of PoS Terminals |
47.20 |
45.77 |
51.55 |
52.92 |
| 6 Bharat QR @ |
35.70 |
30.46 |
44.35 |
45.41 |
| 7 UPI QR * |
925.22 |
697.82 |
1285.05 |
1373.33 |
@: New inclusion w.e.f. November 2019
$ : 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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