Payment System Indicators - December 2021 (Revised)

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वापस Payment System Indicators - December 2021 (Revised)

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Payment System Indicators - December 2021 (Revised)

PART I - Payment System Indicators - Payment & Settlement System Statistics
	Volume (lakh)				Value (₹ crore)
	FY 2020-21	2020 December	2021	2021	FY 2020-21	2020 December	2021	2021
	FY 2020-21	2020 December	November	December	FY 2020-21	2020 December	November	December
	1	2	3	4	1	2	3	4
A. Settlement Systems
Financial Market Infrastructures (FMIs)
1 CCIL Operated Systems	27.97	2.62	2.56	3.13	161943141	15757032	17364381	20703988
1.1 Govt. Securities Clearing	11.55	1.00	0.97	1.10	110634315	10816866	12229072	14801512
1.1.1 Outright	6.28	0.51	0.46	0.48	10032187	772886	617831	651103
1.1.2 Repo	2.84	0.25	0.26	0.30	43751173	4089804	4273958	5075401
1.1.3 Tri-party Repo	2.43	0.24	0.25	0.31	56850956	5954176	7337283	9075009
1.2 Forex Clearing	16.04	1.58	1.53	1.96	48903961	4651382	4816873	5516604
1.3 Rupee Derivatives @	0.38	0.04	0.06	0.07	2404865	288785	318437	385873
B. Payment Systems
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS	1591.92	163.48	172.14	192.78	105599849	10659120	10981778	12966991
1.1 Customer Transactions	1573.47	161.72	170.95	191.50	91008367	9058136	9589985	11418233
1.2 Interbank Transactions	18.45	1.75	1.19	1.29	14591482	1600984	1391793	1548758
II Retail
2 Credit Transfers - Retail	317867.74	31735.79	51855.52	56422.79	33504226	3393355	3552986	4076395
2.1 AePS (Fund Transfers) @	11.31	1.03	0.62	0.65	623	61	35	36
2.2 APBS $	14372.99	1018.90	1119.16	1082.20	111001	8180	9750	14987
2.3 IMPS	32783.47	3556.93	4120.29	4429.86	2941500	292325	364672	396411
2.4 NACH Cr $	16465.44	1741.20	1356.65	1483.71	1216535	118309	95602	113132
2.5 NEFT	30927.89	3076.15	3394.00	3763.38	25130910	2558304	2314490	2724980
2.6 UPI @	223306.64	22341.58	41864.80	45662.99	4103658	416176	768436	826848
2.6.1 of which USSD @	10.45	0.88	1.00	1.12	172	14	15	16
3 Debit Transfers and Direct Debits	10456.54	922.53	1031.91	1064.54	865520	81871	87212	91163
3.1 BHIM Aadhaar Pay @	160.84	8.90	19.78	19.59	2580	187	536	611
3.2 NACH Dr $	9645.75	840.43	900.10	937.92	862027	81576	86517	90426
3.3 NETC (linked to bank account) @	649.96	73.21	112.03	107.03	913	108	158	126
4 Card Payments	57,786.60	5,502.88	5,418.18	5,611.80	12,91,799	1,28,665	1,56,326	1,60,398
4.1 Credit Cards	17,641.06	1,737.79	2,011.16	2,112.59	6,30,414	63,487	89,217	93,907
4.1.1 PoS based $	8688.81	914.20	1068.93	1093.48	280769	28961	37498.79	36712.65
4.1.2 Others $	8952.25	823.59	942.23	1019.10	349645	34526	51718.05	57194.58
4.2 Debit Cards	40,145.54	3,765.09	3,407.02	3,499.21	661385	65178	67109	66491
4.2.1 PoS based $	20773.50	2165.50	2112.04967	2202.51	377630	39437	43751	43062.3
4.2.2 Others $	19372.04	1599.59	1294.96723	1296.71	283755	25741	23358	23428.74
5 Prepaid Payment Instruments	49,742.55	4,372.11	6,107.23	7,008.24	197696	18153	25583	26896
5.1 Wallets	39987.01	3521.48	4870.19	5661.02	152065	13392	21041	21220
5.2 Cards	9,755.54	850.63	1,237.04	1,347.22	45631	4761	4542	5676
5.2.1 PoS based $	607.15	58.15	74.48	99.63	10591	1107	1287	1893
5.2.2 Others $	9148.39	792.48	1162.56	1247.59	35040	3654	3255	3784
6 Paper-based Instruments	6,703.70	719.40	577.00	660.33	5627189	618015	533223	640955
6.1 CTS (NPCI Managed)	6702.53	719.40	577.00	660.33	5625941	618015	533223	640955
6.2 Others	1.17	0.00	0.00	0.00	1249	0	0	0
Total - Retail Payments (2+3+4+5+6)	4,42,557.14	43,252.72	64,989.84	70,767.70	41486430	4240059	4355330	4995808
Total Payments (1+2+3+4+5+6)	4,44,149.06	43,416.20	65,161.97	70,960.48	147086278	14899180	15337108	17962798
Total Digital Payments (1+2+3+4+5)	4,37,445.36	42,696.80	64,584.97	70,300.15	141459089	14281164	14803885	17321843

PART II - Payment Modes and Channels
	Volume (lakh)				Value (₹ crore)
	FY 2020-21	2020 December	2021	2021	FY 2020-21	2020 December	2021	2021
	FY 2020-21	2020 December	November	December	FY 2020-21	2020 December	November	December
	1	2	3	4	1	2	3	4
A. Other Payment Channels
1 Mobile Payments (mobile app based)	2,58,033.70	25,296.64	45,548.53	49,877.80	92,01,212	9,01,655	13,24,008	14,33,961
1.1 Intra-bank $	25,220.71	2,183.03	3,732.97	3,927.19	18,71,390	1,74,603	2,39,989	2,54,443
1.2 Inter-bank $	2,32,812.99	23,113.62	41,815.57	45,950.61	73,29,822	7,27,052	10,84,018	11,79,518
2 Internet Payments (Netbanking / internet browser based) @	32,493.63	3,147.85	2,860.67	3,117.10	4,15,81,497	40,79,472	39,37,877	45,31,114
2.1 Intra-bank @	6,886.15	637.64	570.26	611.14	2,06,01,554	19,34,396	17,88,978	20,82,236
2.2 Inter-bank @	25,607.48	2,510.20	2,290.41	2,505.96	2,09,79,943	21,45,077	21,48,899	24,48,878
B. ATMs
3. Cash Withdrawal at ATMs $	60,905.81	5,680.37	5,691.73	5,928.20	28,89,826	2,66,709	2,71,730	2,80,372
3.1 Using Credit Cards $	51.41	5.01	5.45	5.90	2560	246	276	295.21
3.2 Using Debit Cards $	60602.23	5650.86	5657.83	5893.54	2878025	265569	270515	279099.68
3.3 Using Pre-paid Cards $	252.17	24.51	28.44	28.76	9240	893	939	977
4. Cash Withdrawal at PoS $	394.77	39.89	4.82	3.89	1533	149	63	42
4.1 Using Debit Cards $	353.50	34.53	4.14	3.71	1484	142	39	34.61
4.2 Using Pre-paid Cards $	41.27	5.37	0.68	0.18	49	6	24	7
5. Cash Withdrawal at Micro ATMs @	9460.43	715.03	925.63	940.20	225420	19671	25112	25208
5.1 AePS @	9460.43	715.03	925.63	940.20	225420	19671	25112	25208

PART III - Payment Infrastructures (lakh)
	As on March 2021	2020 December	2021	2021
	As on March 2021	2020 December	November	December
	1	2	3	4
Payment System Infrastructures
1 Number of Cards	9,602.51	9,460.57	10,015.90	10,066.90
1.1 Credit Cards	620.49	603.97	675.83	689.49
1.2 Debit Cards	8,982.02	8,856.60	9340.07	9377.42
2 Number of PPIs @	21,952.60	20,819.05	25,918.94	26,426.15
2.1 Wallets @	20,052.10	19,156.35	23,408.81	23,828.54
2.2 Cards @	1,900.51	1,662.70	2,510.13	2,597.62
3 Number of ATMs and CRMs	2.39	2.33	2.42	2.49
3.1 Bank owned ATMs $ and CRMs#	2.14	2.08	2.13	2.19
3.2 White Label ATMs $	0.25	0.25	0.29	0.30
4 Number of Micro ATMs @	4.04	3.56	5.57	5.91
5 Number of PoS Terminals	47.20	45.85	52.92	54.98
6 Bharat QR @	35.70	32.00	45.41	46.47
7 UPI QR *	925.22	752.31	1373.33	1440.10
@: 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 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.