| PART I - Payment System Indicators - Payment & Settlement System Statistics |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2021-22 |
2021 November |
2022 |
2022 |
FY 2021-22 |
2021 November |
2022 |
2022 |
| October |
November |
October |
November |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Settlement Systems |
|
|
|
|
|
|
|
|
| Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 CCIL Operated Systems |
33.01 |
2.56 |
3.06 |
3.67 |
206873112 |
17364382 |
20887702 |
22488758 |
| 1.1 Govt. Securities Clearing |
12.22 |
0.97 |
1.07 |
1.26 |
142072939 |
12229072 |
13863316 |
15457897 |
| 1.1.1 Outright |
6.22 |
0.46 |
0.54 |
0.66 |
8793301 |
617831 |
672816 |
759097 |
| 1.1.2 Repo |
3.08 |
0.26 |
0.31 |
0.36 |
51015712 |
4273958 |
5277168 |
6039868 |
| 1.1.3 Tri-party Repo |
2.92 |
0.25 |
0.22 |
0.23 |
82263926 |
7337283 |
7913333 |
8658933 |
| 1.2 Forex Clearing |
19.91 |
1.53 |
1.90 |
2.33 |
59775826 |
4816873 |
6514292 |
6577286 |
| 1.3 Rupee Derivatives @ |
0.88 |
0.06 |
0.08 |
0.08 |
5024347 |
318437 |
510094 |
453575 |
| B. Payment Systems |
|
|
|
|
|
|
|
|
| I Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 Credit Transfers - RTGS |
2078.39 |
172.14 |
190.34 |
206.46 |
128657516 |
10981778 |
11551277 |
12291749 |
| 1.1 Customer Transactions |
2063.73 |
170.95 |
189.18 |
205.30 |
113319292 |
9589985 |
10015711 |
10691727 |
| 1.2 Interbank Transactions |
14.66 |
1.19 |
1.15 |
1.16 |
15338225 |
1391793 |
1535565 |
1600022 |
| II Retail |
|
|
|
|
|
|
|
|
| 2 Credit Transfers - Retail |
577934.74 |
51880.87 |
85748.55 |
84557.58 |
42728006 |
3554896 |
4557107 |
4527540 |
| 2.1 AePS (Fund Transfers) @ |
9.76 |
0.62 |
0.56 |
0.51 |
575 |
35 |
31 |
29 |
| 2.2 APBS $ |
12573.33 |
1119.16 |
1843.72 |
1065.62 |
133345 |
9750 |
25462 |
9460 |
| 2.3 IMPS |
46625.25 |
4120.29 |
4824.59 |
4634.80 |
4171037 |
364672 |
466082 |
454679 |
| 2.4 NACH Cr $ |
18757.82 |
1382.00 |
1454.99 |
1373.88 |
1281685 |
97513 |
127118 |
141901 |
| 2.5 NEFT |
40407.29 |
3394.00 |
4570.48 |
4388.30 |
28725463 |
2314490 |
2726827 |
2730878 |
| 2.6 UPI @ |
459561.30 |
41864.80 |
73054.21 |
73094.47 |
8415900 |
768436 |
1211588 |
1190593 |
| 2.6.1 of which USSD @ |
11.99 |
1.00 |
1.26 |
1.79 |
177 |
15 |
15 |
19 |
| 3 Debit Transfers and Direct Debits |
12189.49 |
1039.13 |
1297.79 |
1316.60 |
1034444 |
87111 |
106956 |
110181 |
| 3.1 BHIM Aadhaar Pay @ |
227.73 |
19.78 |
19.99 |
14.52 |
6113 |
536 |
604 |
475 |
| 3.2 NACH Dr $ |
10754.74 |
907.32 |
1139.92 |
1164.17 |
1026641 |
86417 |
106131 |
109479 |
| 3.3 NETC (linked to bank account) @ |
1207.02 |
112.03 |
137.88 |
137.91 |
1689 |
158 |
221 |
227 |
| 4 Card Payments |
61,782.93 |
5,418.18 |
5,533.37 |
4,969.35 |
17,01,851 |
1,56,326 |
1,96,402 |
1,70,738 |
| 4.1 Credit Cards |
22,398.82 |
2,011.16 |
2,557.88 |
2,351.41 |
971638 |
89217 |
129076 |
114821 |
| 4.1.1 PoS based $ |
11124.59 |
1068.93 |
1448.32 |
1319.99 |
380643 |
37499 |
53890 |
46296 |
| 4.1.2 Others $ |
11274.23 |
942.23 |
1109.56 |
1031.42 |
590994 |
51718 |
75186 |
68525 |
| 4.2 Debit Cards |
39,384.11 |
3,407.02 |
2,975.49 |
2,617.94 |
730213 |
67109 |
67326 |
55917 |
| 4.2.1 PoS based $ |
22967.10 |
2112.05 |
2062.25 |
1791.75 |
451550 |
43751 |
46420 |
37559 |
| 4.2.2 Others $ |
16417.00 |
1294.97 |
913.24 |
826.19 |
278663 |
23358 |
20906 |
18358 |
| 5 Prepaid Payment Instruments |
65,782.75 |
6,107.05 |
6,167.35 |
6,075.20 |
279416 |
24885 |
24296 |
22808 |
| 5.1 Wallets |
53013.86 |
4870.19 |
4877.04 |
4730.07 |
220183 |
21041 |
18450 |
17342 |
| 5.2 Cards |
12,768.89 |
1,236.87 |
1,290.31 |
1,345.14 |
59233 |
3844 |
5846 |
5466 |
| 5.2.1 PoS based $ |
1116.16 |
74.48 |
83.89 |
77.72 |
19546 |
1287 |
1169 |
1039 |
| 5.2.2 Others $ |
11652.73 |
1162.38 |
1206.42 |
1267.42 |
39687 |
2557 |
4677 |
4428 |
| 6 Paper-based Instruments |
6,999.12 |
577.00 |
561.89 |
586.94 |
6650333 |
533223 |
550935 |
581120 |
| 6.1 CTS (NPCI Managed) |
6999.12 |
577.00 |
561.89 |
586.94 |
6650333 |
533223 |
550935 |
581120 |
| 6.2 Others |
0.00 |
0.00 |
0.00 |
0.00 |
0 |
0 |
0 |
0 |
| Total Retail Payments (2+3+4+5+6) |
7,24,689.03 |
65,022.23 |
99,308.95 |
97,505.68 |
52394049 |
4356441 |
5435696 |
5412387 |
| Total Payments (1+2+3+4+5+6) |
7,26,767.42 |
65,194.37 |
99,499.28 |
97,712.14 |
181051565 |
15338219 |
16986973 |
17704137 |
| Total Digital Payments (1+2+3+4+5) |
7,19,768.30 |
64,617.37 |
98,937.39 |
97,125.20 |
174401233 |
14804996 |
16436039 |
17123017 |
| PART II - Payment Modes and Channels |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2021-22 |
2021 November |
2022 |
2022 |
FY 2021-22 |
2021 November |
2022 |
2022 |
| October |
November |
October |
November |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Other Payment Channels |
|
|
|
|
|
|
|
|
| 1 Mobile Payments (mobile app based) |
5,06,842.31 |
45,548.53 |
78,248.76 |
79,124.19 |
1,49,61,371 |
13,24,008 |
19,81,459 |
19,92,072 |
| 1.1 Intra-bank $ |
40,805.69 |
3,732.97 |
5,473.11 |
5,342.59 |
27,26,363 |
2,39,989 |
3,51,598 |
3,54,973 |
| 1.2 Inter-bank $ |
4,66,036.62 |
41,815.57 |
72,775.65 |
73,781.60 |
1,22,35,007 |
10,84,018 |
16,29,861 |
16,37,100 |
| 2 Internet Payments (Netbanking / internet browser based) @ |
40,726.59 |
3,318.59 |
3,628.03 |
3,496.04 |
8,31,59,996 |
70,10,707 |
71,82,384 |
78,18,605 |
| 2.1 Intra-bank @ |
9,583.32 |
790.69 |
873.32 |
870.33 |
5,21,42,582 |
44,64,587 |
41,26,602 |
46,06,598 |
| 2.2 Inter-bank @ |
31,143.27 |
2,527.90 |
2,754.70 |
2,625.70 |
3,10,17,413 |
25,46,120 |
30,55,782 |
32,12,007 |
| B. ATMs |
|
|
|
|
|
|
|
|
| 3. Cash Withdrawal at ATMs $ |
65,240.43 |
5,687.57 |
6,122.24 |
5,606.57 |
31,11,946 |
2,71,730 |
2,91,667 |
2,65,204 |
| 3.1 Using Credit Cards $ |
62.37 |
5.45 |
7.67 |
7.59 |
3,130 |
276 |
375 |
367 |
| 3.2 Using Debit Cards $ |
64851.61 |
5653.68 |
6076.09 |
5566.62 |
30,97,739 |
2,70,515 |
2,90,080 |
2,63,748 |
| 3.3 Using Pre-paid Cards $ |
326.45 |
28.44 |
38.48 |
32.36 |
11,076 |
939 |
1,212 |
1,089 |
| 4. Cash Withdrawal at PoS $ |
91.17 |
4.82 |
2.15 |
2.30 |
728 |
63 |
22.323 |
23.320 |
| 4.1 Using Debit Cards $ |
79.42 |
4.14 |
2.12 |
2.28 |
557 |
39 |
22 |
23 |
| 4.2 Using Pre-paid Cards $ |
11.75 |
0.68 |
0.03 |
0.02 |
171 |
24 |
0 |
0 |
| 5. Cash Withdrawal at Micro ATMs @ |
11126.04 |
925.63 |
1156.16 |
944.92 |
2,99,776 |
25,112 |
30,463 |
25,541 |
| 5.1 AePS @ |
11126.04 |
925.63 |
1156.16 |
944.92 |
2,99,776 |
25,112 |
30,463 |
25,541 |
| PART III - Payment Infrastructures (lakh) |
| |
As on March 2022 |
2021 November |
2022 |
2022 |
| October |
November |
| 1 |
2 |
3 |
4 |
| Payment System Infrastructures |
|
|
|
|
| 1 Number of Cards |
9912.93 |
10015.90 |
10235.99 |
10283.92 |
| 1.1 Credit Cards |
736.27 |
675.83 |
793.68 |
806.65 |
| 1.2 Debit Cards |
9,176.66 |
9,340.07 |
9442.32 |
9477.28 |
| 2 Number of PPIs @ |
15,553.69 |
14,832.43 |
15,985.59 |
16,098.30 |
| 2.1 Wallets @ |
12,787.93 |
12,318.18 |
13,195.92 |
13,269.81 |
| 2.2 Cards @ |
2,765.76 |
2,514.26 |
2,789.67 |
2,828.48 |
| 3 Number of ATMs and CRMs |
2.52 |
2.42 |
2.55 |
2.55 |
| 3.1 Bank owned ATMs$ and CRMs# |
2.20 |
2.13 |
2.20 |
2.20 |
| 3.2 White Label ATMs $ |
0.31 |
0.29 |
0.35 |
0.36 |
| 4 Number of Micro ATMs @ |
9.16 |
6.93 |
12.91 |
13.34 |
| 5 Number of PoS Terminals |
60.70 |
52.92 |
72.11 |
73.52 |
| 6 Bharat QR @ |
49.72 |
45.41 |
47.19 |
48.25 |
| 7 UPI QR * |
1727.34 |
1373.33 |
2253.23 |
2302.87 |
| PART IV - Domestic Payment Frauds |
| |
Volume (Lakh) |
Value (Crore) |
One in every X payment transaction fraudulent |
FTS (Fraud / Payment Value * 10000) |
| September 2022 |
1.71 |
249.42 |
58,177 |
0.127 bps |
| October 2022 |
1.79 |
219.73 |
59,533 |
0.127 bps |
| November 2022 |
2.06 |
257.04 |
50,626 |
0.143 bps |
@: 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.
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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