| PART I - Payment System Indicators - Payment & Settlement System Statistics |
|
Volume (lakh) |
Value (₹ crore) |
| FY 2020-21 |
2020 September |
2021 |
2021 |
FY 2020-21 |
2020 September |
2021 |
2021 |
| August |
September |
August |
September |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Settlement Systems |
|
|
|
|
|
|
|
|
| Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 CCIL Operated Systems |
27.97 |
2.70 |
2.51 |
3.21 |
161943141 |
13397758 |
15362952 |
16683094 |
| 1.1 Govt. Securities Clearing |
11.55 |
1.08 |
0.96 |
1.37 |
110634315 |
9021412 |
10388877 |
11404584 |
| 1.1.1 Outright |
6.28 |
0.61 |
0.50 |
0.90 |
10032187 |
881023 |
730532 |
1127485 |
| 1.1.2 Repo |
2.84 |
0.29 |
0.24 |
0.25 |
43751173 |
4115039 |
3479766 |
3885956 |
| 1.1.3 Tri-party Repo |
2.43 |
0.19 |
0.22 |
0.22 |
56850956 |
4025350 |
6178579 |
6391143 |
| 1.2 Forex Clearing |
16.04 |
1.60 |
1.48 |
1.77 |
48903961 |
4238877 |
4599545 |
4826170 |
| 1.3 Rupee Derivatives @ |
0.38 |
0.03 |
0.06 |
0.07 |
2404865 |
137470 |
374530 |
452340 |
| B. Payment Systems |
|
|
|
|
|
|
|
|
| I Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 Credit Transfers - RTGS |
1591.92 |
130.11 |
166.52 |
174.57 |
105599849 |
9489066 |
10164296 |
11069631 |
| 1.1 Customer Transactions |
1573.47 |
128.49 |
165.34 |
173.33 |
91008367 |
7993814 |
8940380 |
9838858 |
| 1.2 Interbank Transactions |
18.45 |
1.61 |
1.18 |
1.24 |
14591482 |
1495252 |
1223916 |
1230773 |
| II Retail |
|
|
|
|
|
|
|
|
| 2 Credit Transfers - Retail |
317851.82 |
25506.62 |
45370.66 |
45720.72 |
33522150 |
2817678 |
3277624 |
3495969 |
| 2.1 AePS (Fund Transfers) @ |
11.32 |
0.96 |
1.05 |
0.98 |
623 |
51 |
61 |
57 |
| 2.2 APBS $ |
14372.99 |
1059.85 |
722.32 |
781.62 |
112747 |
6243 |
10305 |
6199 |
| 2.3 IMPS |
32783.47 |
2796.08 |
3797.12 |
3848.84 |
2941500 |
248662 |
320203 |
324096 |
| 2.4 NACH Cr $ |
16449.51 |
1179.79 |
2075.99 |
1171.57 |
1232714 |
68176 |
98119 |
91281 |
| 2.5 NEFT |
30927.89 |
2468.27 |
3218.73 |
3359.54 |
25130910 |
2165515 |
2209818 |
2419688 |
| 2.6 UPI @ |
223306.64 |
18001.67 |
35555.45 |
36558.17 |
4103658 |
329032 |
639117 |
654648 |
| 2.6.1 of which USSD @ |
10.45 |
0.89 |
1.14 |
1.14 |
172 |
14 |
17 |
16 |
| 3 Debit Transfers and Direct Debits |
10440.40 |
926.42 |
1008.32 |
987.44 |
872399 |
78240 |
85436 |
84660 |
| 3.1 BHIM Aadhaar Pay @ |
160.84 |
15.28 |
21.99 |
19.39 |
2580 |
205 |
462 |
440 |
| 3.2 NACH Dr $ |
9629.61 |
857.43 |
876.81 |
878.31 |
868906 |
77958 |
84818 |
84068 |
| 3.3 NETC (linked to bank account) @ |
649.96 |
53.71 |
109.52 |
89.74 |
913 |
77 |
155 |
152 |
| 4 Card Payments |
57,786.60 |
4,994.52 |
5,493.00 |
5,337.50 |
12,91,799 |
1,06,500 |
1,42,600 |
1,42,817 |
| 4.1 Credit Cards |
17,641.06 |
1,486.71 |
1,904.71 |
1,847.21 |
6,30,414 |
51,134 |
77,733 |
80,228 |
| 4.1.1 PoS based $ |
8688.81 |
713.37 |
984.62 |
961.53 |
280769 |
21986 |
32968.89 |
31742.90 |
| 4.1.2 Others $ |
8952.25 |
773.33 |
920.08 |
885.68 |
349645 |
29148 |
44764.13 |
48484.85 |
| 4.2 Debit Cards |
40,145.54 |
3,507.81 |
3,588.29 |
3,490.29 |
661385 |
55366 |
64867 |
62589 |
| 4.2.1 PoS based $ |
20773.50 |
1758.83 |
2119.63 |
2053.00 |
377630 |
30422 |
41177 |
38591 |
| 4.2.2 Others $ |
19372.04 |
1748.98 |
1468.66 |
1437.29 |
283755 |
24944 |
23690 |
23998 |
| 5 Prepaid Payment Instruments |
49,742.55 |
4,653.54 |
5,259.99 |
4,934.60 |
197696 |
16683 |
22670 |
30273 |
| 5.1 Wallets |
39987.01 |
3616.58 |
4227.08 |
3884.65 |
152065 |
13258 |
17745 |
25645 |
| 5.2 Cards |
9,755.54 |
1,036.96 |
1,032.91 |
1,049.96 |
45631 |
3425 |
4925 |
4628 |
| 5.2.1 PoS based $ |
787.59 |
60.08 |
132.27 |
133.71 |
11639 |
910 |
1110 |
995 |
| 5.2.2 Others $ |
8967.95 |
976.87 |
900.63 |
916.25 |
33992 |
2515 |
3815 |
3634 |
| 6 Paper-based Instruments |
6,703.70 |
612.71 |
588.62 |
624.10 |
5627189 |
485243 |
533903 |
566468 |
| 6.1 CTS (NPCI Managed) |
6702.53 |
612.63 |
588.62 |
624.10 |
5625941 |
485114 |
533903 |
566468 |
| 6.2 Others |
1.17 |
0.08 |
0.00 |
0.00 |
1249 |
128 |
0 |
0 |
| Total - Retail Payments (2+3+4+5+6) |
4,42,525.07 |
36,693.80 |
57,720.58 |
57,604.36 |
41511233 |
3504344 |
4062232 |
4320187 |
| Total Payments (1+2+3+4+5+6) |
4,44,116.99 |
36,823.90 |
57,887.11 |
57,778.93 |
147111082 |
12993410 |
14226528 |
15389818 |
| Total Digital Payments (1+2+3+4+5) |
4,37,413.29 |
36,211.20 |
57,298.49 |
57,154.83 |
141483892 |
12508167 |
13692625 |
14823351 |
| PART II - Payment Modes and Channels |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2020-21 |
2020 September |
2021 |
2021 |
FY 2020-21 |
2020 September |
2021 |
2021 |
| August |
September |
August |
September |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Other Payment Channels |
|
|
|
|
|
|
|
|
| 1 Mobile Payments (mobile app based) |
2,58,033.70 |
20,994.76 |
39029.40 |
46858.26 |
92,01,212 |
7,05,945 |
11,36,503 |
12,33,089 |
| 1.1 Intra-bank $ |
25,220.71 |
1,907.83 |
3,244.29 |
5,175.00 |
18,71,390 |
1,45,416 |
2,01,774 |
2,74,653 |
| 1.2 Inter-bank $ |
2,32,812.99 |
19,086.93 |
35,785.12 |
41,683.26 |
73,29,822 |
5,60,529 |
9,34,729 |
9,58,435 |
| 2 Internet Payments (Netbanking / internet browser based) @ |
32,493.63 |
2,822.04 |
3,134.32 |
3,187.18 |
4,15,81,497 |
34,36,124 |
36,88,425 |
40,03,452 |
| 2.1 Intra-bank @ |
6,886.15 |
594.83 |
603.29 |
598.49 |
2,06,01,554 |
16,78,942 |
16,36,328 |
17,95,714 |
| 2.2 Inter-bank @ |
25,607.48 |
2,227.20 |
2,531.03 |
2,588.68 |
2,09,79,943 |
17,57,182 |
20,52,097 |
22,07,737 |
| B. ATMs |
|
|
|
|
|
|
|
|
| 3. Cash Withdrawal at ATMs $ |
60,905.81 |
5,069.39 |
5,688.71 |
5,545.36 |
28,89,826 |
2,41,223 |
2,62,881 |
2,57,964 |
| 3.1 Using Credit Cards $ |
51.41 |
4.36 |
5.02 |
4.98 |
2560 |
217 |
248 |
249 |
| 3.2 Using Debit Cards $ |
60602.23 |
5042.50 |
5656.34 |
5512.90 |
2878025 |
240205 |
261683 |
256767 |
| 3.3 Using Pre-paid Cards $ |
252.17 |
22.53 |
27.35 |
27.48 |
9240 |
801 |
949 |
948 |
| 4. Cash Withdrawal at PoS $ |
394.77 |
33.62 |
6.62 |
5.37 |
1533 |
123 |
70 |
46 |
| 4.1 Using Debit Cards $ |
353.50 |
29.39 |
5.50 |
5.08 |
1484 |
118 |
42 |
40 |
| 4.2 Using Pre-paid Cards $ |
41.27 |
4.23 |
1.12 |
0.29 |
49 |
5 |
28 |
6 |
| 5. Cash Withdrawal at Micro ATMs @ |
9460.43 |
717.65 |
1061.82 |
888.88 |
225420 |
17096 |
26830 |
22793 |
| 5.1 AePS @ |
9460.43 |
717.65 |
1061.82 |
888.88 |
225420 |
17096 |
26830 |
22793 |
| PART III - Payment Infrastructures (lakh) |
| |
As on March 2021 |
2020 September |
2021 |
2021 |
| August |
September |
| 1 |
2 |
3 |
4 |
| Payment System Infrastructures |
|
|
|
|
| 1 Number of Cards |
9,602.51 |
9,241.29 |
9,777.46 |
9,853.28 |
| 1.1 Credit Cards |
620.49 |
586.94 |
639.34 |
650.25 |
| 1.2 Debit Cards |
8,982.02 |
8,654.35 |
9138.11 |
9203.03 |
| 2 Number of PPIs @ |
21,952.60 |
19,960.47 |
24,099.33 |
22,461.77 |
| 2.1 Wallets @ |
20,052.10 |
18,287.99 |
21,927.39 |
20,203.10 |
| 2.2 Cards @ |
1,900.51 |
1,672.48 |
2,171.94 |
2,258.68 |
| 3 Number of ATMs |
2.39 |
2.34 |
2.41 |
2.41 |
| 3.1 Bank owned ATMs $ |
2.14 |
2.10 |
2.14 |
2.13 |
| 3.2 White Label ATMs $ |
0.25 |
0.24 |
0.27 |
0.28 |
| 4 Number of Micro ATMs @ |
4.04 |
3.28 |
4.94 |
5.13 |
| 5 Number of PoS Terminals |
47.20 |
44.23 |
48.16 |
49.77 |
| 6 Bharat QR @ |
35.70 |
22.99 |
52.47 |
52.85 |
| 7 UPI QR * |
925.22 |
604.07 |
1133.11 |
1196.08 |
@: 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. |
|
