Payment System Indicators - April 2023 (Revised) - आरबीआई - Reserve Bank of India
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प्रकाशित
Payment System Indicators - April 2023 (Revised)
PART I - Payment System Indicators - Payment & Settlement System Statistics | ||||||||
---|---|---|---|---|---|---|---|---|
Volume (lakh) | Value (₹ crore) | |||||||
FY 2022-23 | 2022 April |
2023 | 2023 | FY 2022-23 | 2022 April |
2023 | 2023 | |
March | April | March | April | |||||
1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
A. Settlement Systems | ||||||||
Financial Market Infrastructures (FMIs) | ||||||||
1 CCIL Operated Systems | 41.44 | 3.06 | 3.66 | 3.21 | 258797336 | 18651860 | 22458408 | 20115131 |
1.1 Govt. Securities Clearing | 15.00 | 1.08 | 1.25 | 1.32 | 172251292 | 11915370 | 14269424 | 13093142 |
1.1.1 Outright | 7.99 | 0.59 | 0.65 | 0.79 | 10090700 | 870328 | 952079 | 1158660 |
1.1.2 Repo | 4.07 | 0.25 | 0.40 | 0.36 | 68032487 | 4315711 | 6682508 | 6633808 |
1.1.3 Tri-party Repo | 2.94 | 0.23 | 0.20 | 0.17 | 94128105 | 6729332 | 6634836 | 5300674 |
1.2 Forex Clearing | 25.16 | 1.87 | 2.28 | 1.79 | 78932050 | 6124936 | 7329087 | 6450151 |
1.3 Rupee Derivatives @ | 1.27 | 0.11 | 0.13 | 0.09 | 7613994 | 611554 | 859897 | 571838 |
B. Payment Systems | ||||||||
I Financial Market Infrastructures (FMIs) | ||||||||
1 Credit Transfers - RTGS | 2425.62 | 195.32 | 248.01 | 201.57 | 149946286 | 11097594 | 16122902 | 11876806 |
1.1 Customer Transactions | 2411.19 | 194.11 | 246.66 | 200.44 | 131667176 | 9780600 | 14416322 | 10452024 |
1.2 Interbank Transactions | 14.43 | 1.21 | 1.35 | 1.13 | 18279111 | 1316994 | 1706580 | 1424781 |
II Retail | ||||||||
2 Credit Transfers - Retail | 983694.78 | 66747.57 | 100851.12 | 100492.45 | 55012192 | 4050335 | 5906936 | 4834441 |
2.1 AePS (Fund Transfers) @ | 5.90 | 0.55 | 0.36 | 0.36 | 356 | 33 | 24 | 25 |
2.2 APBS $ | 17898.09 | 1119.53 | 1932.07 | 1066.77 | 247580 | 11118 | 26400 | 19744 |
2.3 IMPS | 56532.64 | 4716.26 | 4970.56 | 4957.93 | 5585441 | 444670 | 546235 | 521050 |
2.4 NACH Cr $ | 19267.00 | 1329.76 | 1962.73 | 1009.42 | 1544342 | 112354 | 178757 | 117079 |
2.5 NEFT | 52847.43 | 3737.59 | 5469.06 | 4825.37 | 33719541 | 2498587 | 3750569 | 2761038 |
2.6 UPI @ | 837143.73 | 55843.88 | 86516.34 | 88632.60 | 13914932 | 983573 | 1404951 | 1415505 |
2.6.1 of which USSD @ | 17.21 | 0.86 | 1.50 | 1.64 | 197 | 12 | 18 | 19 |
3 Debit Transfers and Direct Debits | 15343.22 | 1121.68 | 1403.39 | 1398.58 | 1289393 | 93616 | 126113 | 120185 |
3.1 BHIM Aadhaar Pay @ | 214.22 | 16.76 | 12.92 | 16.09 | 6791 | 580 | 492 | 604 |
3.2 NACH Dr $ | 13502.69 | 996.72 | 1246.53 | 1242.93 | 1280001 | 92902 | 125376 | 119338 |
3.3 NETC (linked to bank account) @ | 1626.31 | 108.20 | 143.94 | 139.56 | 2601 | 135 | 246 | 243 |
4 Card Payments | 63337.24 | 5541.17 | 5016.79 | 4887.94 | 2152417.83 | 170520.88 | 191035.14 | 187396 |
4.1 Credit Cards | 29145.25 | 2229.30 | 2634.29 | 2592.55 | 1432255 | 105459 | 137311 | 132769 |
4.1.1 PoS based $ | 15598.70 | 1152.87 | 1404.60 | 1408.20 | 541944 | 39807 | 50920 | 51624 |
4.1.2 Others $ | 13546.54 | 1076.43 | 1229.69 | 1184.35 | 890311 | 65652 | 86391 | 81144 |
4.2 Debit Cards | 34192.00 | 3311.87 | 2382.50 | 2295.38 | 720162.55 | 65061.67 | 53724.02 | 54627 |
4.2.1 PoS based $ | 22917.38 | 2131.77 | 1652.35 | 1633.96 | 476693 | 43530 | 35222 | 37647 |
4.2.2 Others $ | 11274.61 | 1180.10 | 730.15 | 661.43 | 243470 | 21532 | 18502 | 16980 |
5 Prepaid Payment Instruments | 74667.44 | 6455.19 | 6225.98 | 6277.47 | 287111.16 | 25316.57 | 22988.49 | 22525 |
5.1 Wallets | 59112.76 | 5036.17 | 5036.24 | 5134.90 | 221896 | 19360 | 18801 | 18874 |
5.2 Cards | 15554.69 | 1419.02 | 1189.74 | 1142.57 | 65215.29 | 5956.96 | 4187.87 | 3651 |
5.2.1 PoS based $ | 1013.09 | 169.32 | 64.17 | 61.87 | 14777 | 3187 | 825 | 876 |
5.2.2 Others $ | 14541.60 | 1249.70 | 1125.57 | 1080.70 | 50438 | 2770 | 3363 | 2775 |
6 Paper-based Instruments | 7087.81 | 624.01 | 642.40 | 554.06 | 7162537.10 | 670259.32 | 701109.20 | 639281 |
6.1 CTS (NPCI Managed) | 7087.81 | 624.01 | 642.40 | 554.06 | 7162537 | 670259 | 701109 | 639281 |
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) | 1144130.50 | 80489.63 | 114139.67 | 113610.50 | 65903651 | 5010048 | 6948181 | 5803828 |
Total Payments (1+2+3+4+5+6) | 1146556.12 | 80684.95 | 114387.68 | 113812.06 | 215849937 | 16107643 | 23071084 | 17680633 |
Total Digital Payments (1+2+3+4+5) | 1139468.31 | 80060.94 | 113745.28 | 113258.00 | 208687400 | 15437383 | 22369974 | 17041352 |
PART II - Payment Modes and Channels | ||||||||
---|---|---|---|---|---|---|---|---|
Volume (lakh) | Value (₹ crore) | |||||||
FY 2022-23 | 2022 April |
2023 | 2023 | FY 2022-23 | 2022 April |
2023 | 2023 | |
March | April | March | April | |||||
1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
A. Other Payment Channels | ||||||||
1 Mobile Payments (mobile app based) | 806541.16 | 53992.68 | 81915.13 | 83595.17 | 22031617.04 | 1607179.21 | 2250091.36 | 2154811 |
1.1 Intra-bank $ | 62306.61 | 4515.85 | 5868.83 | 5789.55 | 4191430 | 312810 | 436885 | 402248 |
1.2 Inter-bank $ | 744234.54 | 49476.83 | 76046.30 | 77805.62 | 17840187 | 1294370 | 1813207 | 1752562 |
2 Internet Payments (Netbanking / internet browser based) @ | 42630.64 | 3670.77 | 3879.51 | 3406.99 | 91539296 | 7219903 | 8981727 | 7036829 |
2.1 Intra-bank @ | 10703.78 | 967.14 | 987.21 | 855.07 | 53506133 | 4297281 | 4769894 | 3713764 |
2.2 Inter-bank @ | 31926.86 | 2703.63 | 2892.30 | 2551.92 | 38033163 | 2922622 | 4211833 | 3323065 |
B. ATMs | ||||||||
3. Cash Withdrawal at ATMs $ | 69465.15 | 5830.37 | 5921.72 | 5707.07 | 3305007 | 286411 | 286762 | 282870 |
3.1 Using Credit Cards $ | 88.37 | 6.12 | 8.26 | 7.49 | 4296 | 303 | 402 | 357 |
3.2 Using Debit Cards $ | 68971.46 | 5792.97 | 5878.89 | 5667.31 | 3286748 | 285011 | 284949 | 281248 |
3.3 Using Pre-paid Cards $ | 405.32 | 31.28 | 34.56 | 32.28 | 13963 | 1097 | 1411 | 1266 |
4. Cash Withdrawal at PoS $ | 27.80 | 2.32 | 2.33 | 2.10 | 284 | 22 | 24 | 21 |
4.1 Using Debit Cards $ | 27.47 | 2.24 | 2.32 | 2.09 | 282 | 22 | 23 | 21 |
4.2 Using Pre-paid Cards $ | 0.33 | 0.08 | 0.02 | 0.02 | 2 | 1 | 0 | 0 |
5. Cash Withdrawal at Micro ATMs @ | 12375.16 | 984.19 | 1083.61 | 998.82 | 333966 | 27824 | 30015 | 28954 |
5.1 AePS @ | 12375.16 | 984.19 | 1083.61 | 998.82 | 333966 | 27824 | 30015 | 28954 |
PART III - Payment Infrastructures (lakh) | ||||
---|---|---|---|---|
As on March 2023 | 2022 April |
2023 | 2023 | |
March | April | |||
1 | 2 | 3 | 4 | |
Payment System Infrastructures | ||||
1 Number of Cards | 10465.62 | 9956.84 | 10465.62 | 10535.25 |
1.1 Credit Cards | 853.03 | 751.66 | 853.03 | 865.13 |
1.2 Debit Cards | 9612.59 | 9205.18 | 9612.59 | 9670.12 |
2 Number of PPIs @ | 16185.26 | 15541.30 | 16185.26 | 16387.76 |
2.1 Wallets @ | 13384.68 | 12865.09 | 13384.68 | 13509.02 |
2.2 Cards @ | 2800.58 | 2676.21 | 2800.58 | 2878.75 |
3 Number of ATMs and CRMs | 2.59 | 2.51 | 2.59 | 2.55 |
3.1 Bank owned ATMs$ and CRMs# | 2.23 | 2.19 | 2.23 | 2.19 |
3.2 White Label ATMs $ | 0.36 | 0.32 | 0.36 | 0.36 |
4 Number of Micro ATMs @ | 16.11 | 9.48 | 16.11 | 14.28 |
5 Number of PoS Terminals | 77.90 | 61.26 | 77.90 | 78.37 |
6 Bharat QR @ | 53.82 | 40.90 | 53.82 | 54.36 |
7 UPI QR * | 2563.77 | 1807.21 | 2563.77 | 2609.08 |
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) | |||
2023 | 2023 | 2023 | 2023 | |
March | April | March | April | |
1. Card Payments | 80.48 | 78.13 | 6701 | 6720 |
1.1 Credit Cards | 47.69 | 48.13 | 4845 | 4919 |
1.1.1 PoS based | 16.56 | 17.84 | 1339 | 1394 |
1.1.2 Online | 31.14 | 30.29 | 3506 | 3525 |
1.2 Debit Cards | 32.79 | 30.01 | 1855 | 1800 |
1.2.1 PoS based | 13.16 | 11.82 | 582 | 569 |
1.2.2 Online | 19.63 | 18.18 | 1274 | 1231 |
2. Prepaid Payment Instruments | 24.26 | 24.87 | 921 | 997 |
2.1 PoS based | 21.12 | 21.81 | 722 | 792 |
2.2 Online | 3.13 | 3.06 | 199 | 206 |
3. Cash Withdrawal at ATMs | 6.85 | 6.70 | 1519 | 1433 |
3.1 Using Credit Cards | 0.28 | 0.30 | 43 | 47 |
3.2 Using Debit Cards | 4.74 | 4.55 | 849 | 769 |
3.3 Using PPIs | 1.84 | 1.84 | 627 | 617 |
Total International Payments | 111.59 | 109.70 | 9141 | 9150 |
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 | 68906.81 | 0.152 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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