Payment System Indicators - May 2024 - आरबीआई - Reserve Bank of India
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Payment System Indicators - May 2024
Payment System Indicators | ||||||||
PART I - Payment System Indicators - Payment & Settlement System Statistics | ||||||||
Volume (lakh) | Value (₹ crore) | |||||||
FY 2023-24 | 2023 May |
2024 | 2024 | FY 2023-24 | 2023 May |
2024 | 2024 | |
April | May | April | May | |||||
1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
A. Settlement Systems | ||||||||
Financial Market Infrastructures (FMIs) | ||||||||
1 CCIL Operated Systems | 43.04 | 4.03 | 3.53 | 4.07 | 259206893 | 22537634 | 22115118 | 22018913 |
1.1 Govt. Securities Clearing | 16.80 | 1.63 | 1.25 | 1.60 | 170464587 | 15227196 | 14132535 | 14632648 |
1.1.1 Outright | 9.51 | 0.98 | 0.68 | 0.98 | 13463848 | 1326724 | 1023439 | 1363203 |
1.1.2 Repo | 4.94 | 0.45 | 0.38 | 0.43 | 76718788 | 7732270 | 6510577 | 6669493 |
1.1.3 Tri-party Repo | 2.35 | 0.20 | 0.19 | 0.19 | 80281951 | 6168201 | 6598519 | 6599952 |
1.2 Forex Clearing | 24.92 | 2.23 | 2.17 | 2.37 | 80984671 | 6189356 | 7343662 | 6780829 |
1.3 Rupee Derivatives @ | 1.31 | 0.17 | 0.11 | 0.10 | 7757636 | 1121082 | 638922 | 605436 |
B. Payment Systems | ||||||||
I Financial Market Infrastructures (FMIs) | ||||||||
1 Credit Transfers - RTGS | 2700.16 | 220.46 | 235.59 | 249.71 | 170886670 | 12882587 | 14433296 | 15186947 |
1.1 Customer Transactions | 2686.04 | 219.21 | 234.46 | 248.49 | 152406168 | 11413321 | 12800746 | 13559606 |
1.2 Interbank Transactions | 14.12 | 1.25 | 1.12 | 1.22 | 18480503 | 1469266 | 1632550 | 1627340 |
II Retail | ||||||||
2 Credit Transfers - Retail | 1486106.89 | 107130.93 | 149083.29 | 156773.59 | 67542859 | 5196720 | 5845989 | 6279019 |
2.1 AePS (Fund Transfers) @ | 3.92 | 0.34 | 0.29 | 0.31 | 261 | 23 | 19 | 18 |
2.2 APBS $ | 25888.17 | 1838.94 | 2535.32 | 2295.50 | 390743 | 31424 | 36959 | 37499 |
2.3 IMPS | 60053.35 | 5015.49 | 5503.65 | 5576.99 | 6495652 | 527558 | 592279 | 606167 |
2.4 NACH Cr $ | 16227.27 | 1227.66 | 964.06 | 1074.61 | 1525104 | 122239 | 121718 | 132404 |
2.5 NEFT | 72639.50 | 4896.66 | 7040.03 | 7467.75 | 39136014 | 3026331 | 3130549 | 3457995 |
2.6 UPI @ | 1311294.68 | 94151.85 | 133039.94 | 140358.43 | 19995086 | 1489145 | 1964465 | 2044937 |
2.6.1 of which USSD @ | 26.19 | 1.75 | 1.52 | 1.62 | 352 | 21 | 18 | 17 |
3 Debit Transfers and Direct Debits | 18249.53 | 1457.43 | 1644.10 | 1698.67 | 1687658 | 125654 | 159006 | 167035 |
3.1 BHIM Aadhaar Pay @ | 193.59 | 15.45 | 20.50 | 19.33 | 6112 | 535 | 563 | 506 |
3.2 NACH Dr $ | 16426.49 | 1288.88 | 1494.37 | 1539.23 | 1678769 | 124864 | 158223 | 166305 |
3.3 NETC (linked to bank account) @ | 1629.45 | 153.10 | 129.23 | 140.11 | 2777 | 256 | 220 | 225 |
4 Card Payments | 58469.79 | 4974.51 | 4960.12 | 5105.17 | 2423563 | 193436 | 200409 | 208520 |
4.1 Credit Cards | 35610.15 | 2734.74 | 3441.51 | 3601.36 | 1831134 | 140660 | 156498 | 164955 |
4.1.1 PoS based $ | 18614.08 | 1419.98 | 1843.36 | 1906.58 | 651911 | 50811 | 61982 | 63831 |
4.1.2 Others $ | 16996.08 | 1314.76 | 1598.15 | 1694.78 | 1179223 | 89849 | 94516 | 101124 |
4.2 Debit Cards | 22859.64 | 2239.77 | 1518.61 | 1503.82 | 592429 | 52776 | 43911 | 43565 |
4.2.1 PoS based $ | 16477.95 | 1592.87 | 1126.33 | 1114.38 | 393589 | 35589 | 30022 | 29772 |
4.2.2 Others $ | 6381.69 | 646.89 | 392.28 | 389.44 | 198840 | 17187 | 13889 | 13793 |
5 Prepaid Payment Instruments | 78775.40 | 7064.30 | 5288.79 | 5496.00 | 283048 | 24240 | 14964 | 16697 |
5.1 Wallets | 63256.69 | 5669.85 | 3993.29 | 4204.49 | 234353 | 20339 | 10507 | 11566 |
5.2 Cards | 15518.71 | 1394.45 | 1295.49 | 1291.51 | 48695 | 3901 | 4457 | 5131 |
5.2.1 PoS based $ | 8429.87 | 721.63 | 695.13 | 689.94 | 11247 | 1190 | 962 | 1027 |
5.2.2 Others $ | 7088.84 | 672.82 | 600.37 | 601.57 | 37447 | 2711 | 3495 | 4104 |
6 Paper-based Instruments | 6632.10 | 572.39 | 525.73 | 524.39 | 7212333 | 627772 | 667829 | 611518 |
6.1 CTS (NPCI Managed) | 6632.10 | 572.39 | 525.73 | 524.39 | 7212333 | 627772 | 667829 | 611518 |
6.2 Others | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Total Retail Payments (2+3+4+5+6) | 1648233.71 | 121199.56 | 161502.02 | 169597.82 | 79149461 | 6167822 | 6888198 | 7282789 |
Total Payments (1+2+3+4+5+6) | 1650933.88 | 121420.02 | 161737.61 | 169847.53 | 250036131 | 19050409 | 21321494 | 22469736 |
Total Digital Payments (1+2+3+4+5) | 1644301.78 | 120847.63 | 161211.88 | 169323.14 | 242823799 | 18422637 | 20653665 | 21858218 |
PART II - Payment Modes and Channels | ||||||||
Volume (lakh) | Value (₹ crore) | |||||||
FY 2023-24 | 2023 May |
2024 | 2024 | FY 2023-24 | 2023 May |
2024 | 2024 | |
April | May | April | May | |||||
1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
A. Other Payment Channels | ||||||||
1 Mobile Payments (mobile app based) | 1252599.21 | 87100.70 | 128494.90 | 134522.21 | 30687088 | 2268479 | 2993601 | 3126317 |
1.1 Intra-bank $ | 83000.56 | 6127.73 | 8743.81 | 9224.51 | 5676805 | 424314 | 566077 | 585196 |
1.2 Inter-bank $ | 1169598.65 | 80972.97 | 119751.09 | 125297.71 | 25010283 | 1844165 | 2427524 | 2541120 |
2 Internet Payments (Netbanking / internet browser based) @ | 45034.98 | 3598.99 | 3756.42 | 3771.12 | 102117736 | 7800962 | 8807528 | 8705212 |
2.1 Intra-bank @ | 12033.28 | 916.90 | 964.52 | 1010.25 | 53247042 | 4116658 | 4498614 | 4276566 |
2.2 Inter-bank @ | 33001.71 | 2682.09 | 2791.90 | 2760.86 | 48870694 | 3684304 | 4308914 | 4428645 |
B. ATMs | ||||||||
3. Cash Withdrawal at ATMs $ | 66440.72 | 5694.72 | 5240.40 | 5166.41 | 3259388 | 279621 | 265905 | 260240 |
3.1 Using Credit Cards $ | 95.80 | 7.73 | 9.07 | 8.63 | 4648 | 366 | 458 | 441 |
3.2 Using Debit Cards $ | 66001.01 | 5655.91 | 5207.60 | 5133.52 | 3241538 | 278080 | 264457 | 258785 |
3.3 Using Pre-paid Cards $ | 343.90 | 31.09 | 23.73 | 24.26 | 13202 | 1175 | 990 | 1014 |
4. Cash Withdrawal at PoS $ | 15.18 | 2.33 | 0.52 | 0.33 | 148 | 23 | 5 | 3 |
4.1 Using Debit Cards $ | 15.06 | 2.31 | 0.50 | 0.31 | 147 | 23 | 5 | 3 |
4.2 Using Pre-paid Cards $ | 0.12 | 0.02 | 0.02 | 0.02 | 1 | 0 | 0 | 0 |
5. Cash Withdrawal at Micro ATMs @ | 11754.95 | 979.64 | 919.05 | 879.79 | 314003 | 27469 | 24502 | 22804 |
5.1 AePS @ | 11754.95 | 979.64 | 919.05 | 879.79 | 314003 | 27469 | 24502 | 22804 |
PART III - Payment Infrastructures (lakh) | ||||
As on March 2024 | 2023 May |
2024 | 2024 | |
April | May | |||
1 | 2 | 3 | 4 | |
Payment System Infrastructures | ||||
1 Number of Cards | 10667.22 | 10616.74 | 10719.55 | 10780.74 |
1.1 Credit Cards | 1018.03 | 877.47 | 1025.40 | 1033.00 |
1.2 Debit Cards | 9649.19 | 9739.26 | 9694.15 | 9747.74 |
2 Number of PPIs @ | 16743.63 | 16638.55 | 14716.82 | 14829.77 |
2.1 Wallets @ | 13381.80 | 13373.56 | 11294.83 | 11302.14 |
2.2 Cards @ | 3361.82 | 3264.98 | 3421.99 | 3527.63 |
3 Number of ATMs and CRMs | 2.58 | 2.56 | 2.57 | 2.57 |
3.1 Bank owned ATMs$ and CRMs# | 2.23 | 2.20 | 2.23 | 2.22 |
3.2 White Label ATMs $ | 0.35 | 0.36 | 0.35 | 0.36 |
4 Number of Micro ATMs @ | 17.55 | 14.66 | 17.37 | 15.62 |
5 Number of PoS Terminals | 89.03 | 79.61 | 88.39 | 88.04 |
6 Bharat QR @ | 62.50 | 55.45 | 60.73 | 61.21 |
7 UPI QR * | 3462.03 | 2667.57 | 3195.01 | 3300.27 |
PART IV - Payment Modes and Channels (International) | ||||
Details of International transactions done using cards (credit, debit and PPI) issued in India | ||||
Volume (lakh) | Value (₹ crore) | |||
2024 | 2024 | 2024 | 2024 | |
April | May | April | May | |
1. Card Payments | 98.04 | 117.22 | 7915 | 9649 |
1.1 Credit Cards | 62.21 | 76.62 | 5870 | 7276 |
1.1.1 PoS based | 24.29 | 33.44 | 1719 | 2466 |
1.1.2 Online | 37.92 | 43.18 | 4151 | 4809 |
1.2 Debit Cards | 35.83 | 40.60 | 2045 | 2374 |
1.2.1 PoS based | 15.82 | 19.40 | 702 | 928 |
1.2.2 Online | 20.01 | 21.20 | 1343 | 1446 |
2. Prepaid Payment Instruments | 27.34 | 37.82 | 1081 | 1585 |
2.1 PoS based | 23.74 | 33.48 | 854 | 1306 |
2.2 Online | 3.60 | 4.35 | 227 | 280 |
3. Cash Withdrawal at ATMs | 6.51 | 7.11 | 1499 | 1662 |
3.1 Using Credit Cards | 0.40 | 0.45 | 67 | 81 |
3.2 Using Debit Cards | 4.38 | 4.65 | 854 | 898 |
3.3 Using PPIs | 1.72 | 2.01 | 578 | 683 |
Total International Payments | 131.89 | 162.16 | 10495 | 12897 |
PART V - Domestic Payment Frauds | ||||
Volume (Lakh) | Value (Crore) | One in every X payment transaction fraudulent | FTS (Fraud / Payment Value * 10000) | |
September 2022 | 1.71 | 249 | 58177.41 | 0.127 bps |
October 2022 | 1.79 | 220 | 59533.35 | 0.127 bps |
November 2022 | 2.06 | 257 | 50620.69 | 0.143 bps |
December 2022 | 1.54 | 204 | 72426.75 | 0.103 bps |
January 2023 | 1.57 | 195 | 71681.44 | 0.106 bps |
February 2023 | 2.29 | 317 | 47018.00 | 0.177 bps |
March 2023 | 2.25 | 333 | 53907.48 | 0.142 bps |
April 2023 | 1.75 | 273 | 68927.36 | 0.152 bps |
May 2023 | 2.03 | 285 | 63051.71 | 0.147 bps |
June 2023 | 1.74 | 265 | 72554.96 | 0.128 bps |
July 2023 | 2.24 | 286 | 59898.87 | 0.146 bps |
August 2023 | 2.40 | 320 | 58391.71 | 0.157 bps |
September 2023 | 2.52 | 366 | 55057.76 | 0.174 bps |
October 2023 | 2.23 | 335 | 66950.05 | 0.164 bps |
November 2023 | 2.57 | 428 | 57618.81 | 0.209 bps |
December 2023 | 2.92 | 432 | 53327.09 | 0.187 bps |
January 2024 | 2.69 | 435 | 56335.82 | 0.207 bps |
February 2024 | 2.53 | 503 | 59915.32 | 0.239 bps |
March 2024 | 2.57 | 471 | 67394.38 | 0.177 bps |
April 2024 | 2.38 | 414 | 70681.81 | 0.191 bps |
May 2024 | 2.81 | 545 | 62637.44 | 0.240 bps |
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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