43. Payment System Indicators - આરબીઆઈ - Reserve Bank of India
43. Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics | ||||||||
System | Volume (Lakh) | Value (₹ Crore) | ||||||
FY 2019-20 | 2019 | 2020 | FY 2019-20 | 2019 | 2020 | |||
Dec. | Nov. | Dec. | Dec. | Nov. | Dec. | |||
1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | |
A. Settlement Systems | ||||||||
Financial Market Infrastructures (FMIs) | ||||||||
1 CCIL Operated Systems (1.1 to 1.3) | – | 2.83 | 2.45 | 2.62 | – | 12196681 | 10692192 | 15757032 |
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) | – | 1.04 | 0.79 | 1.00 | – | 8085475 | 6942678 | 10816866 |
1.1.1 Outright | – | 0.61 | 0.48 | 0.51 | – | 853262 | 727023 | 772886 |
1.1.2 Repo | – | 0.21 | 0.12 | 0.25 | – | 2950776 | 1762647 | 4089804 |
1.1.3 Tri-party Repo | – | 0.21 | 0.19 | 0.24 | – | 4281437 | 4453008 | 5954176 |
1.2 Forex Clearing | – | 1.75 | 1.64 | 1.58 | – | 3831685 | 3625849 | 4651382 |
1.3 Rupee Derivatives @ | – | 0.04 | 0.02 | 0.04 | – | 279520 | 123665 | 288785 |
B. Payment Systems | ||||||||
I Financial Market Infrastructures (FMIs) | – | – | – | – | – | – | – | – |
1 Credit Transfers - RTGS (1.1 to 1.2) | – | 136.02 | 137.80 | 163.48 | – | 10316937 | 7987655 | 10659120 |
1.1 Customer Transactions | – | 133.82 | 136.13 | 161.72 | – | 8847761 | 6802206 | 9058136 |
1.2 Interbank Transactions | – | 2.20 | 1.67 | 1.75 | – | 1469176 | 1185449 | 1600984 |
II Retail | ||||||||
2 Credit Transfers - Retail (2.1 to 2.6) | – | 20029.81 | 30269.97 | 31735.80 | – | 2440749 | 2986234 | 3393355 |
2.1 AePS (Fund Transfers) @ | – | 0.84 | 0.93 | 1.03 | – | 35 | 54 | 61 |
2.2 APBS $ | – | 1369.14 | 927.29 | 1018.90 | – | 6000 | 4400 | 8180 |
2.3 IMPS | – | 2564.67 | 3391.14 | 3556.93 | – | 210934 | 276459 | 292325 |
2.4 NACH Cr $ | – | 674.26 | 1114.23 | 1741.20 | – | 79028 | 96069 | 118309 |
2.5 NEFT | – | 2336.88 | 2734.10 | 3076.15 | – | 1942231 | 2218252 | 2558304 |
2.6 UPI @ | – | 13084.02 | 22102.28 | 22341.58 | – | 202521 | 390999 | 416176 |
2.6.1 of which USSD @ | – | 0.80 | 0.91 | 0.88 | – | 14 | 15 | 14 |
3 Debit Transfers and Direct Debits (3.1 to 3.3) | – | 790.71 | 944.24 | 922.53 | – | 72455 | 78709 | 81871 |
3.1 BHIM Aadhaar Pay @ | – | 7.37 | 9.39 | 8.90 | – | 112 | 181 | 187 |
3.2 NACH Dr $ | – | 769.31 | 869.63 | 840.43 | – | 72306 | 78433 | 81576 |
3.3 NETC (linked to bank account) @ | – | 14.02 | 65.22 | 73.21 | – | 37 | 96 | 108 |
4 Card Payments (4.1 to 4.2) | – | 6615.52 | 5633.00 | 5729.81 | – | 149688 | 163940 | 166029 |
4.1 Credit Cards (4.1.1 to 4.1.2) | – | 2036.64 | 1662.58 | 1737.79 | – | 65736 | 62350 | 63487 |
4.1.1 PoS based $ | – | 1181.09 | 874.82 | 914.20 | – | 35157 | 30495 | 28961 |
4.1.2 Others $ | – | 855.55 | 787.76 | 823.59 | – | 30579 | 31855 | 34526 |
4.2 Debit Cards (4.2.1 to 4.2.1) | – | 4578.88 | 3970.43 | 3992.02 | – | 83953 | 101591 | 102542 |
4.2.1 PoS based $ | – | 2634.18 | 2112.56 | 2165.50 | – | 39740 | 42289 | 39437 |
4.2.2 Others $ | – | 1944.70 | 1857.87 | 1826.52 | – | 44213 | 59302 | 63105 |
5 Prepaid Payment Instruments (5.1 to 5.2) | – | 5073.44 | 4193.78 | 4363.90 | – | 18922 | 16704 | 18201 |
5.1 Wallets | – | 3652.64 | 3420.83 | 3550.29 | – | 15835 | 12717 | 13439 |
5.2 Cards (5.2.1 to 5.2.2) | – | 1420.80 | 772.96 | 813.60 | – | 3088 | 3987 | 4762 |
5.2.1 PoS based $ | – | 121.90 | 39.38 | 42.79 | – | 1012 | 1111 | 1215 |
5.2.2 Others $ | – | 1298.91 | 733.57 | 770.81 | – | 2076 | 2877 | 3547 |
6 Paper-based Instruments (6.1 to 6.2) | – | 865.46 | 596.35 | 719.40 | – | 646583 | 494383 | 618015 |
6.1 CTS (NPCI Managed) | – | 864.44 | 596.35 | 719.40 | – | 645573 | 494383 | 618015 |
6.2 Others | – | 1.02 | 0.00 | 0.00 | – | 1010 | – | – |
Total - Retail Payments (2+3+4+5+6) | – | 33374.94 | 41637.35 | 43471.44 | – | 3328398 | 3739970 | 4277471 |
Total Payments (1+2+3+4+5+6) | – | 33510.96 | 41775.15 | 43634.92 | – | 13645335 | 11727625 | 14936592 |
Total Digital Payments (1+2+3+4+5) | – | 32645.50 | 41178.79 | 42915.52 | – | 12998751 | 11233243 | 14318576 |
PART II - Payment Modes and Channels | ||||||||
System | Volume (Lakh) | Value (₹ Crore) | ||||||
FY 2019-20 | 2019 | 2020 | FY 2019-20 | 2019 | 2020 | |||
Dec. | Nov. | Dec. | Dec. | Nov. | Dec. | |||
1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | |
A. Other Payment Channels | ||||||||
1 Mobile Payments (mobile app based) (1.1 to 1.2) | – | 14322.15 | 24198.24 | 25199.49 | – | 493342 | 820024 | 899401 |
1.1 Intra-bank $ | – | 1280.66 | 2191.98 | 2183.03 | – | 101679 | 165155 | 174603 |
1.2 Inter-bank $ | – | 13041.49 | 22006.26 | 23016.46 | – | 391663 | 654869 | 724798 |
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) | – | 2736.82 | 2814.17 | 3137.64 | – | 3040781 | 3419474 | 4032311 |
2.1 Intra-bank @ | – | 626.66 | 585.09 | 637.64 | – | 1438853 | 1653359 | 1934396 |
2.2 Inter-bank @ | – | 2110.16 | 2229.09 | 2500.00 | – | 1601928 | 1766114 | 2097916 |
B. ATMs | ||||||||
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) | – | 6518.97 | 5913.87 | 5709.96 | – | 293087 | 280560 | 269614 |
3.1 Using Credit Cards $ | – | 8.91 | 4.64 | 5.01 | – | 422 | 231 | 246 |
3.2 Using Debit Cards $ | – | 6481.81 | 5883.59 | 5680.44 | – | 291704 | 279417 | 268475 |
3.3 Using Pre-paid Cards $ | – | 28.25 | 25.63 | 24.51 | – | 961 | 912 | 894 |
4 Cash Withdrawal at PoS $ (4.1 to 4.2) | – | 78.52 | 37.91 | 39.89 | – | 148 | 143 | 149 |
4.1 Using Debit Cards $ | – | 71.47 | 32.33 | 34.53 | – | 134 | 137 | 142 |
4.2 Using Pre-paid Cards $ | – | 7.05 | 5.58 | 5.37 | – | 14 | 6 | 6 |
5 Cash Withrawal at Micro ATMs @ | – | 326.35 | 684.78 | 715.03 | – | 9163 | 18820 | 19671 |
5.1 AePS @ | – | 326.35 | 684.78 | 715.03 | – | 9163 | 18820 | 19671 |
PART III - Payment Infrastructures (Lakh) | ||||
System | FY 2019-20 | 2019 | 2020 | |
Dec. | Nov. | Dec. | ||
1 | 2 | 3 | 4 | |
Payment System Infrastructures | ||||
1 Number of Cards (1.1 to 1.2) | – | 8606.57 | 9528.15 | 9468.15 |
1.1 Credit Cards | – | 553.33 | 601.13 | 603.97 |
1.2 Debit Cards | – | 8053.24 | 8927.02 | 8864.18 |
2 Number of PPIs @ (2.1 to 2.2) | – | 17625.43 | 20443.15 | 20823.65 |
2.1 Wallets @ | – | 16615.68 | 18857.67 | 19159.52 |
2.2 Cards @ | – | 1009.75 | 1585.48 | 1664.13 |
3 Number of ATMs (3.1 to 3.2) | – | 2.32 | 2.34 | 2.33 |
3.1 Bank owned ATMs $ | – | 2.10 | 2.09 | 2.08 |
3.2 White Label ATMs $ | – | 0.22 | 0.25 | 0.25 |
4 Number of Micro ATMs @ | – | 2.42 | 3.57 | 3.56 |
5 Number of PoS Terminals | – | 49.88 | 54.19 | 57.41 |
6 Bharat QR @ | – | 17.13 | 30.46 | 32.00 |
7 UPI QR * | – | – | 697.82 | 752.30 |
@: New inclusion w.e.f. November 2019 |