Payment System Indicators - August 2022 - आरबीआई - Reserve Bank of India
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Payment System Indicators - August 2022
| PART I - Payment System Indicators - Payment & Settlement System Statistics | ||||||||
|---|---|---|---|---|---|---|---|---|
| Volume (lakh) | Value (₹ crore) | |||||||
| FY 2021-22 | 2021 August | 2022 | 2022 | FY 2021-22 | 2021 August | 2022 | 2022 | |
| July | August | July | August | |||||
| 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
| A. Settlement Systems | ||||||||
| Financial Market Infrastructures (FMIs) | ||||||||
| 1 CCIL Operated Systems | 33.01 | 2.51 | 3.39 | 3.30 | 206873112 | 15362952 | 21126044 | 20028644 |
| 1.1 Govt. Securities Clearing | 12.22 | 0.96 | 1.33 | 1.33 | 142072939 | 10388877 | 14218681 | 13493765 |
| 1.1.1 Outright | 6.22 | 0.50 | 0.71 | 0.75 | 8793301 | 730532 | 851204 | 888832 |
| 1.1.2 Repo | 3.08 | 0.24 | 0.34 | 0.32 | 51015712 | 3479766 | 5764070 | 5251883 |
| 1.1.3 Tri-party Repo | 2.92 | 0.22 | 0.28 | 0.25 | 82263926 | 6178579 | 7603407 | 7353051 |
| 1.2 Forex Clearing | 19.91 | 1.48 | 1.93 | 1.89 | 59775826 | 4599545 | 6272728 | 5970122 |
| 1.3 Rupee Derivatives @ | 0.88 | 0.06 | 0.13 | 0.09 | 5024347 | 374530 | 634635 | 564757 |
| B. Payment Systems | ||||||||
| I Financial Market Infrastructures (FMIs) | ||||||||
| 1 Credit Transfers - RTGS | 2078.39 | 166.52 | 189.26 | 188.08 | 128657516 | 10164296 | 11551440 | 11665583 |
| 1.1 Customer Transactions | 2063.73 | 165.34 | 188.06 | 186.92 | 113319292 | 8940380 | 9927091 | 10274480 |
| 1.2 Interbank Transactions | 14.66 | 1.18 | 1.20 | 1.16 | 15338225 | 1223916 | 1624349 | 1391103 |
| II Retail | ||||||||
| 2 Credit Transfers - Retail | 577934.74 | 45370.66 | 74673.64 | 77757.95 | 42728006 | 3277624 | 4267239 | 4288963 |
| 2.1 AePS (Fund Transfers) @ | 9.76 | 1.05 | 0.68 | 0.54 | 575 | 61 | 40 | 30 |
| 2.2 APBS $ | 12573.33 | 722.32 | 1259.99 | 1162.46 | 133345 | 10305 | 12511 | 9662 |
| 2.3 IMPS | 46625.25 | 3797.12 | 4608.30 | 4669.09 | 4171037 | 320203 | 444541 | 445989 |
| 2.4 NACH Cr $ | 18757.82 | 2075.99 | 1892.88 | 1940.04 | 1281685 | 98119 | 119677 | 128480 |
| 2.5 NEFT | 40407.29 | 3218.73 | 4018.39 | 4166.76 | 28725463 | 2209818 | 2627354 | 2631639 |
| 2.6 UPI @ | 459561.30 | 35555.45 | 62893.40 | 65819.06 | 8415900 | 639117 | 1063117 | 1073162 |
| 2.6.1 of which USSD @ | 11.99 | 1.14 | 1.62 | 1.63 | 177 | 17 | 18 | 17 |
| 3 Debit Transfers and Direct Debits | 12189.49 | 1008.32 | 1217.97 | 1247.15 | 1034444 | 85436 | 100581 | 102824 |
| 3.1 BHIM Aadhaar Pay @ | 227.73 | 21.99 | 21.26 | 17.57 | 6113 | 462 | 621 | 516 |
| 3.2 NACH Dr $ | 10754.74 | 876.81 | 1067.05 | 1097.38 | 1026641 | 84818 | 99754 | 102100 |
| 3.3 NETC (linked to bank account) @ | 1207.02 | 109.52 | 129.66 | 132.20 | 1689 | 155 | 207 | 209 |
| 4 Card Payments | 61,782.93 | 5,493.00 | 5,481.80 | 5,481.30 | 17,01,851 | 1,42,600 | 1,80,371 | 1,74,516 |
| 4.1 Credit Cards | 22,398.82 | 1,904.71 | 2,348.34 | 2,447.83 | 971638 | 77733 | 115856 | 112358 |
| 4.1.1 PoS based $ | 11124.59 | 984.62 | 1220.69 | 1330.54 | 380643 | 32969 | 41767 | 44943 |
| 4.1.2 Others $ | 11274.23 | 920.08 | 1127.64 | 1117.30 | 590994 | 44764 | 74089 | 67414 |
| 4.2 Debit Cards | 39,384.11 | 3,588.29 | 3,133.47 | 3,033.47 | 730213 | 64867 | 64515 | 62159 |
| 4.2.1 PoS based $ | 22967.10 | 2119.63 | 2053.40 | 2012.17 | 451550 | 41177 | 41211 | 40585 |
| 4.2.2 Others $ | 16417.00 | 1468.66 | 1080.07 | 1021.30 | 278663 | 23690 | 23304 | 21574 |
| 5 Prepaid Payment Instruments | 65,782.75 | 5,259.90 | 6,195.34 | 6,177.69 | 279416 | 22362 | 25309 | 24625 |
| 5.1 Wallets | 53013.86 | 4227.08 | 4855.87 | 4877.42 | 220183 | 17746 | 18775 | 18495 |
| 5.2 Cards | 12,768.89 | 1,032.82 | 1,339.48 | 1,300.27 | 59233 | 4617 | 6534 | 6131 |
| 5.2.1 PoS based $ | 1116.16 | 132.27 | 85.43 | 83.90 | 19546 | 1110 | 1285 | 1177 |
| 5.2.2 Others $ | 11652.73 | 900.54 | 1254.05 | 1216.37 | 39687 | 3507 | 5250 | 4953 |
| 6 Paper-based Instruments | 6,999.12 | 588.62 | 588.67 | 575.81 | 6650333 | 533903 | 579727 | 548385 |
| 6.1 CTS (NPCI Managed) | 6999.12 | 588.62 | 588.67 | 575.81 | 6650333 | 533903 | 579727 | 548385 |
| 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 | 57,720.50 | 88,157.42 | 91,239.89 | 52394049 | 4061924 | 5153226 | 5139314 |
| Total Payments (1+2+3+4+5+6) | 7,26,767.42 | 57,887.02 | 88,346.69 | 91,427.97 | 181051565 | 14226220 | 16704666 | 16804896 |
| Total Digital Payments (1+2+3+4+5) | 7,19,768.30 | 57,298.40 | 87,758.02 | 90,852.16 | 174401233 | 13692317 | 16124940 | 16256512 |
| PART II - Payment Modes and Channels | ||||||||
|---|---|---|---|---|---|---|---|---|
| Volume (lakh) | Value (₹ crore) | |||||||
| FY 2021-22 | 2021 August | 2022 | 2022 | FY 2021-22 | 2021 August | 2022 | 2022 | |
| July | August | July | August | |||||
| 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
| A. Other Payment Channels | ||||||||
| 1 Mobile Payments (mobile app based) | 5,07,531.37 | 39,029.40 | 68,451.32 | 72,227.76 | 1,49,73,493 | 11,36,503 | 17,86,719 | 18,27,748 |
| 1.1 Intra-bank $ | 40,805.69 | 3,244.29 | 4,902.42 | 6,590.62 | 27,26,363 | 2,01,774 | 3,23,929 | 3,63,782 |
| 1.2 Inter-bank $ | 4,66,725.68 | 35,785.12 | 63,548.90 | 65,637.14 | 1,22,47,129 | 9,34,729 | 14,62,790 | 14,63,966 |
| 2 Internet Payments (Netbanking / internet browser based) @ | 40,726.59 | 3,561.18 | 3,765.16 | 3,537.74 | 8,31,59,996 | 65,37,169 | 73,96,630 | 73,51,640 |
| 2.1 Intra-bank @ | 9,583.32 | 814.17 | 934.78 | 932.41 | 5,21,42,582 | 40,87,618 | 44,50,729 | 43,04,970 |
| 2.2 Inter-bank @ | 31,143.27 | 2,747.01 | 2,830.38 | 2,605.33 | 3,10,17,413 | 24,49,550 | 29,45,902 | 30,46,670 |
| B. ATMs | ||||||||
| 3. Cash Withdrawal at ATMs $ | 65,240.43 | 5,684.73 | 5,774.19 | 5,766.61 | 31,11,946 | 2,62,881 | 2,72,103 | 2,68,788 |
| 3.1 Using Credit Cards $ | 62.37 | 5.02 | 6.95 | 7.46 | 3,130 | 248 | 342 | 359 |
| 3.2 Using Debit Cards $ | 64851.61 | 5652.37 | 5731.82 | 5723.84 | 30,97,739 | 2,61,683 | 2,70,609 | 2,67,289 |
| 3.3 Using Pre-paid Cards $ | 326.45 | 27.35 | 35.42 | 35.31 | 11,076 | 949 | 1,152 | 1,141 |
| 4. Cash Withdrawal at PoS $ | 91.17 | 6.52 | 2.26 | 2.19 | 728 | 64 | 22 | 21 |
| 4.1 Using Debit Cards $ | 79.42 | 5.50 | 2.25 | 2.16 | 557 | 42 | 22 | 21 |
| 4.2 Using Pre-paid Cards $ | 11.75 | 1.02 | 0.01 | 0.03 | 171 | 22 | 0 | 0 |
| 5. Cash Withdrawal at Micro ATMs @ | 11126.04 | 1061.82 | 1082.22 | 1021.48 | 2,99,776 | 26,830 | 29,517 | 26,193 |
| 5.1 AePS @ | 11126.04 | 1061.82 | 1082.22 | 1021.48 | 2,99,776 | 26,830 | 29,517 | 26,193 |
| PART III - Payment Infrastructures (lakh) | ||||
|---|---|---|---|---|
| As on March 2022 | 2021 August | 2022 | 2022 | |
| July | August | |||
| 1 | 2 | 3 | 4 | |
| Payment System Infrastructures | ||||
| 1 Number of Cards | 9912.93 | 9771.97 | 10077.33 | 10128.50 |
| 1.1 Credit Cards | 736.27 | 639.34 | 802.56 | 779.91 |
| 1.2 Debit Cards | 9,176.66 | 9,132.63 | 9274.77 | 9348.59 |
| 2 Number of PPIs @ | 15,553.69 | 13,682.92 | 15,604.53 | 15,661.77 |
| 2.1 Wallets @ | 12,787.93 | 11,510.97 | 12,922.65 | 12,948.75 |
| 2.2 Cards @ | 2,765.76 | 2,171.94 | 2,681.89 | 2,713.02 |
| 3 Number of ATMs and CRMs | 2.52 | 2.41 | 2.54 | 2.54 |
| 3.1 Bank owned ATMs$ and CRMs# | 2.20 | 2.14 | 2.20 | 2.20 |
| 3.2 White Label ATMs $ | 0.31 | 0.27 | 0.34 | 0.34 |
| 4 Number of Micro ATMs @ | 9.16 | 6.31 | 10.97 | 11.31 |
| 5 Number of PoS Terminals | 60.70 | 48.16 | 68.19 | 70.58 |
| 6 Bharat QR @ | 49.72 | 43.52 | 45.21 | 47.49 |
| 7 UPI QR * | 1727.34 | 1142.06 | 2014.22 | 2092.54 |
| @: 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 |
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| 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. |
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