| PART I - Payment System Indicators - Payment & Settlement System Statistics |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2021-22 |
2021
October |
2022 |
2022 |
FY 2021-22 |
2021
October |
2022 |
2022 |
| September |
October |
September |
October |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Settlement Systems |
|
|
|
|
|
|
|
|
| Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 CCIL Operated Systems |
33.01 |
2.85 |
3.97 |
3.06 |
206873112 |
16600978 |
24321858 |
20887702 |
| 1.1 Govt. Securities Clearing |
12.22 |
1.04 |
1.51 |
1.07 |
142072939 |
11415739 |
16060463 |
13863316 |
| 1.1.1 Outright |
6.22 |
0.55 |
0.86 |
0.54 |
8793301 |
745937 |
1027326 |
672816 |
| 1.1.2 Repo |
3.08 |
0.25 |
0.36 |
0.31 |
51015712 |
3822009 |
6014630 |
5277168 |
| 1.1.3 Tri-party Repo |
2.92 |
0.23 |
0.30 |
0.22 |
82263926 |
6847793 |
9018508 |
7913333 |
| 1.2 Forex Clearing |
19.91 |
1.73 |
2.34 |
1.90 |
59775826 |
4736040 |
7499481 |
6514292 |
| 1.3 Rupee Derivatives @ |
0.88 |
0.08 |
0.11 |
0.08 |
5024347 |
449200 |
761914 |
510094 |
| B. Payment Systems |
|
|
|
|
|
|
|
|
| I Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 Credit Transfers - RTGS |
2078.39 |
184.11 |
198.30 |
190.34 |
128657516 |
10134368 |
13789637 |
11551277 |
| 1.1 Customer Transactions |
2063.73 |
182.90 |
197.10 |
189.18 |
113319292 |
8956918 |
12094321 |
10015711 |
| 1.2 Interbank Transactions |
14.66 |
1.22 |
1.20 |
1.15 |
15338225 |
1177450 |
1695316 |
1535565 |
| II Retail |
|
|
|
|
|
|
|
|
| 2 Credit Transfers - Retail |
577934.74 |
52919.52 |
79564.55 |
85748.55 |
42728006 |
3748602 |
4621357 |
4557107 |
| 2.1 AePS (Fund Transfers) @ |
9.76 |
0.86 |
0.55 |
0.56 |
575 |
49 |
32 |
31 |
| 2.2 APBS $ |
12573.33 |
1192.91 |
1170.39 |
1843.72 |
133345 |
7519 |
12805 |
25462 |
| 2.3 IMPS |
46625.25 |
4306.71 |
4622.31 |
4824.59 |
4171037 |
370712 |
454451 |
466082 |
| 2.4 NACH Cr $ |
18757.82 |
1660.26 |
1630.85 |
1454.99 |
1281685 |
122519 |
114718 |
127118 |
| 2.5 NEFT |
40407.29 |
3574.46 |
4332.45 |
4570.48 |
28725463 |
2476397 |
2922913 |
2726827 |
| 2.6 UPI @ |
459561.30 |
42184.32 |
67808.00 |
73054.21 |
8415900 |
771407 |
1116438 |
1211588 |
| 2.6.1 of which USSD @ |
11.99 |
1.11 |
1.47 |
1.26 |
177 |
16 |
17 |
15 |
| 3 Debit Transfers and Direct Debits |
12189.49 |
979.36 |
1256.45 |
1297.79 |
1034444 |
85776 |
105856 |
106956 |
| 3.1 BHIM Aadhaar Pay @ |
227.73 |
21.49 |
16.35 |
19.99 |
6113 |
560 |
516 |
604 |
| 3.2 NACH Dr $ |
10754.74 |
865.69 |
1113.20 |
1139.92 |
1026641 |
85103 |
105128 |
106131 |
| 3.3 NETC (linked to bank account) @ |
1207.02 |
92.18 |
126.90 |
137.88 |
1689 |
114 |
211 |
221 |
| 4 Card Payments |
61,782.93 |
6,008.76 |
5,363.24 |
5,533.85 |
17,01,851 |
1,77,413 |
1,83,981 |
1,96,617 |
| 4.1 Credit Cards |
22,398.82 |
2,155.81 |
2,460.17 |
2,561.33 |
971638 |
100943 |
122554 |
129334 |
| 4.1.1 PoS based $ |
11124.59 |
1075.23 |
1317.07 |
1451.02 |
380643 |
38442 |
45287 |
54148 |
| 4.1.2 Others $ |
11274.23 |
1080.58 |
1143.10 |
1110.31 |
590994 |
62500 |
77267 |
75186 |
| 4.2 Debit Cards |
39,384.11 |
3,852.95 |
2,903.07 |
2,972.52 |
730213 |
76471 |
61427 |
67283 |
| 4.2.1 PoS based $ |
22967.10 |
2302.56 |
1888.46 |
2050.43 |
451550 |
47226 |
38135 |
46396 |
| 4.2.2 Others $ |
16417.00 |
1550.39 |
1014.61 |
922.09 |
278663 |
29245 |
23292 |
20887 |
| 5 Prepaid Payment Instruments |
65,782.75 |
6,130.90 |
6,048.61 |
6,167.35 |
279416 |
25757 |
24090 |
24296 |
| 5.1 Wallets |
53013.86 |
4888.97 |
4706.99 |
4877.04 |
220183 |
21702 |
17915 |
18450 |
| 5.2 Cards |
12,768.89 |
1,241.93 |
1,341.62 |
1,290.31 |
59233 |
4055 |
6175 |
5846 |
| 5.2.1 PoS based $ |
1116.16 |
64.58 |
79.41 |
83.89 |
19546 |
998 |
1172 |
1169 |
| 5.2.2 Others $ |
11652.73 |
1177.35 |
1262.21 |
1206.42 |
39687 |
3057 |
5004 |
4677 |
| 6 Paper-based Instruments |
6,999.12 |
635.20 |
603.84 |
561.89 |
6650333 |
582604 |
591106 |
550935 |
| 6.1 CTS (NPCI Managed) |
6999.12 |
635.20 |
603.84 |
561.89 |
6650333 |
582604 |
591106 |
550935 |
| 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 |
66,673.75 |
92,836.69 |
99,309.42 |
52394049 |
4620153 |
5526390 |
5435911 |
| Total Payments (1+2+3+4+5+6) |
7,26,767.42 |
66,857.86 |
93,034.99 |
99,499.76 |
181051565 |
14754521 |
19316027 |
16987188 |
| Total Digital Payments (1+2+3+4+5) |
7,19,768.30 |
66,222.66 |
92,431.15 |
98,937.87 |
174401233 |
14171917 |
18724921 |
16436254 |
| PART II - Payment Modes and Channels |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2021-22 |
2021
October |
2022 |
2022 |
FY 2021-22 |
2021
October |
2022 |
2022 |
| September |
October |
September |
October |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Other Payment Channels |
|
|
|
|
|
|
|
|
| 1 Mobile Payments (mobile app based) |
5,06,842.31 |
45,884.20 |
72,862.29 |
78,248.46 |
1,49,61,371 |
13,53,833 |
18,82,943 |
19,81,406 |
| 1.1 Intra-bank $ |
40,805.69 |
3,761.40 |
5,133.31 |
5,473.11 |
27,26,363 |
2,43,728 |
3,48,416 |
3,51,595 |
| 1.2 Inter-bank $ |
4,66,036.62 |
42,122.80 |
67,728.99 |
72,775.35 |
1,22,35,007 |
11,10,105 |
15,34,526 |
16,29,812 |
| 2 Internet Payments (Netbanking / internet browser based) @ |
40,726.59 |
3,689.87 |
3,585.10 |
3,628.03 |
8,31,59,996 |
66,17,482 |
84,33,346 |
71,82,384 |
| 2.1 Intra-bank @ |
9,583.32 |
862.55 |
918.60 |
873.32 |
5,21,42,582 |
39,70,049 |
49,85,305 |
41,26,602 |
| 2.2 Inter-bank @ |
31,143.27 |
2,827.31 |
2,666.49 |
2,754.70 |
3,10,17,413 |
26,47,433 |
34,48,041 |
30,55,782 |
| B. ATMs |
|
|
|
|
|
|
|
|
| 3. Cash Withdrawal at ATMs $ |
65,240.43 |
6,032.74 |
5,725.75 |
6,119.16 |
31,11,946 |
2,89,887 |
2,65,244 |
2,91,538 |
| 3.1 Using Credit Cards $ |
62.37 |
5.64 |
7.24 |
7.67 |
3,130 |
286 |
352 |
375 |
| 3.2 Using Debit Cards $ |
64851.61 |
5998.03 |
5684.15 |
6073.01 |
30,97,739 |
2,88,605 |
2,63,765 |
2,89,951 |
| 3.3 Using Pre-paid Cards $ |
326.45 |
29.07 |
34.36 |
38.48 |
11,076 |
997 |
1,127 |
1,212 |
| 4. Cash Withdrawal at PoS $ |
91.17 |
5.34 |
2.71 |
2.15 |
728 |
64 |
34 |
22 |
| 4.1 Using Debit Cards $ |
79.42 |
4.44 |
2.67 |
2.12 |
557 |
39 |
34 |
22 |
| 4.2 Using Pre-paid Cards $ |
11.75 |
0.90 |
0.04 |
0.03 |
171 |
25 |
0 |
0 |
| 5. Cash Withdrawal at Micro ATMs @ |
11126.04 |
946.33 |
1004.99 |
1156.16 |
2,99,776 |
24,799 |
26,097 |
30,463 |
| 5.1 AePS @ |
11126.04 |
946.33 |
1004.99 |
1156.16 |
2,99,776 |
24,799 |
26,097 |
30,463 |
| PART III - Payment Infrastructures (lakh) |
| |
As on March 2022 |
2021
October |
2022 |
2022 |
| September |
October |
| 1 |
2 |
3 |
4 |
| Payment System Infrastructures |
|
|
|
|
| 1 Number of Cards |
9912.93 |
9991.95 |
10162.40 |
10188.29 |
| 1.1 Credit Cards |
736.27 |
663.61 |
777.02 |
793.68 |
| 1.2 Debit Cards |
9,176.66 |
9,328.34 |
9385.38 |
9394.61 |
| 2 Number of PPIs @ |
15,553.69 |
14,450.87 |
15,842.95 |
15,968.37 |
| 2.1 Wallets @ |
12,787.93 |
12,025.10 |
13,106.33 |
13,195.92 |
| 2.2 Cards @ |
2,765.76 |
2,425.77 |
2,736.62 |
2,772.44 |
| 3 Number of ATMs and CRMs |
2.52 |
2.41 |
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 |
0.28 |
0.35 |
0.35 |
| 4 Number of Micro ATMs @ |
9.16 |
6.71 |
12.39 |
12.90 |
| 5 Number of PoS Terminals |
60.70 |
51.55 |
70.35 |
72.11 |
| 6 Bharat QR @ |
49.72 |
44.35 |
48.64 |
47.19 |
| 7 UPI QR * |
1727.34 |
1285.05 |
2164.30 |
2253.23 |
| 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 |
@: 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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