| PART I - Payment System Indicators - Payment & Settlement System Statistics |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2020-21 |
2020 June |
2021 |
2021 |
FY 2020-21 |
2020 June |
2021 |
2021 |
| May |
June |
May |
June |
| 1 |
2 |
4 |
|
1 |
2 |
4 |
|
| A. Settlement Systems |
|
|
|
|
|
|
|
|
| Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 CCIL Operated Systems |
27.97 |
2.23 |
2.08 |
2.90 |
161943141 |
13383223 |
14652880 |
17144527 |
| 1.1 Govt. Securities Clearing |
11.55 |
1.01 |
0.89 |
1.01 |
110634315 |
9590341 |
9966087 |
11317988 |
| 1.1.1 Outright |
6.28 |
0.54 |
0.47 |
0.51 |
10032187 |
928567 |
710624 |
774292 |
| 1.1.2 Repo |
2.84 |
0.27 |
0.23 |
0.27 |
43751173 |
4244619 |
4280973 |
4653921 |
| 1.1.3 Tri-party Repo |
2.43 |
0.21 |
0.19 |
0.23 |
56850956 |
4417155 |
4974490 |
5889775 |
| 1.2 Forex Clearing |
16.04 |
1.19 |
1.14 |
1.82 |
48903961 |
3658697 |
4424858 |
5408999 |
| 1.3 Rupee Derivatives @ |
0.38 |
0.02 |
0.05 |
0.07 |
2404865 |
134185 |
261935 |
417541 |
| B. Payment Systems |
|
|
|
|
|
|
|
|
| I Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 Credit Transfers - RTGS |
1591.92 |
119.68 |
123.34 |
154.14 |
105599849 |
8651978 |
8366599 |
10196989 |
| 1.1 Customer Transactions |
1573.47 |
118.09 |
122.28 |
152.92 |
91008367 |
7641700 |
7211162 |
8887546 |
| 1.2 Interbank Transactions |
18.45 |
1.59 |
1.07 |
1.22 |
14591482 |
1010278 |
1155437 |
1309444 |
| II Retail |
|
|
|
|
|
|
|
|
| 2 Credit Transfers - Retail |
317851.82 |
20341.65 |
33866.22 |
36684.40 |
33522150 |
2499421 |
2707637 |
3029728 |
| 2.1 AePS (Fund Transfers) @ |
11.32 |
0.89 |
0.96 |
1.06 |
623 |
47 |
59 |
64 |
| 2.2 APBS $ |
14372.99 |
1371.10 |
1343.10 |
1148.34 |
112747 |
11767 |
16261 |
8143 |
| 2.3 IMPS |
32783.47 |
1989.12 |
2798.61 |
3038.45 |
2941500 |
206951 |
266289 |
284111 |
| 2.4 NACH Cr $ |
16449.51 |
1337.21 |
1866.34 |
1498.12 |
1232714 |
112236 |
116463 |
92266 |
| 2.5 NEFT |
30927.89 |
2274.01 |
2565.39 |
2923.27 |
25130910 |
1906586 |
1819459 |
2097771 |
| 2.6 UPI @ |
223306.64 |
13369.31 |
25291.82 |
28075.16 |
4103658 |
261835 |
489106 |
547373 |
| 2.6.1 of which USSD @ |
10.45 |
0.85 |
1.01 |
1.03 |
172 |
15 |
16 |
16 |
| 3 Debit Transfers and Direct Debits |
10440.40 |
837.03 |
936.41 |
981.70 |
872399 |
70703 |
70589 |
86759 |
| 3.1 BHIM Aadhaar Pay @ |
160.84 |
14.67 |
17.29 |
17.66 |
2580 |
186 |
422 |
417 |
| 3.2 NACH Dr $ |
9629.61 |
788.94 |
857.30 |
878.73 |
868906 |
70492 |
70069 |
86215 |
| 3.3 NETC (linked to bank account) @ |
649.96 |
33.42 |
61.82 |
85.31 |
913 |
25 |
98 |
128 |
| 4 Card Payments |
57,841.30 |
4,250.89 |
3,980.67 |
4,563.57 |
12,93,080 |
90,484 |
96,102 |
1,14,340 |
| 4.1 Credit Cards |
17,641.06 |
1,248.55 |
1,344.73 |
1,547.01 |
6,30,414 |
42,773 |
52,014 |
62,746 |
| 4.1.1 PoS based $ |
8688.81 |
588.58 |
509.46 |
690.40 |
280769 |
19293 |
18477 |
23977 |
| 4.1.2 Others $ |
8952.25 |
659.97 |
835.27 |
856.61 |
349645 |
23479 |
33537 |
38769 |
| 4.2 Debit Cards |
40,200.24 |
3,002.34 |
2,635.94 |
3,016.56 |
662667 |
47711 |
44088 |
51594 |
| 4.2.1 PoS based $ |
20805.24 |
1475.38 |
1197.18 |
1564.91 |
378044 |
25788 |
23019 |
29293 |
| 4.2.2 Others $ |
19395.00 |
1526.95 |
1438.76 |
1451.65 |
284623 |
21923 |
21070 |
22300 |
| 5 Prepaid Payment Instruments |
49,392.26 |
3,546.66 |
3,848.74 |
4,586.00 |
197695 |
14494 |
21509 |
18780 |
| 5.1 Wallets |
39987.01 |
2905.67 |
3180.18 |
3911.95 |
152065 |
12132 |
14626 |
16088 |
| 5.2 Cards |
9,405.25 |
640.98 |
668.56 |
674.05 |
45630 |
2362 |
6883 |
2692 |
| 5.2.1 PoS based $ |
437.31 |
35.36 |
32.74 |
44.69 |
11639 |
710 |
1303 |
552 |
| 5.2.2 Others $ |
8967.94 |
605.62 |
635.82 |
629.36 |
33992 |
1652 |
5580 |
2140 |
| 6 Paper-based Instruments |
6,703.70 |
496.68 |
366.69 |
511.38 |
5627189 |
401666 |
341794 |
477430 |
| 6.1 CTS (NPCI Managed) |
6702.53 |
496.37 |
366.69 |
511.38 |
5625941 |
401441 |
341794 |
477430 |
| 6.2 Others |
1.17 |
0.32 |
0.00 |
0.00 |
1249 |
225 |
0 |
0 |
| Total - Retail Payments (2+3+4+5+6) |
4,42,229.48 |
29,472.90 |
42,998.73 |
47,327.04 |
41512514 |
3076769 |
3237632 |
3727036 |
| Total Payments (1+2+3+4+5+6) |
4,43,821.40 |
29,592.58 |
43,122.08 |
47,481.18 |
147112363 |
11728746 |
11604231 |
13924026 |
| Total Digital Payments (1+2+3+4+5) |
4,37,117.70 |
29,095.89 |
42,755.39 |
46,969.80 |
141485173 |
11327080 |
11262437 |
13446596 |
| PART II - Payment Modes and Channels |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2020-21 |
2020 June |
2021 |
2021 |
FY 2020-21 |
2020 June |
2021 |
2021 |
| May |
June |
May |
June |
| 1 |
2 |
4 |
|
1 |
2 |
4 |
|
| A. Other Payment Channels |
|
|
|
|
|
|
|
|
| 1 Mobile Payments (mobile app based) |
255451.57 |
16188.00 |
29734.31 |
32126.98 |
9179707 |
599381 |
898224 |
1033422 |
| 1.1 Intra-bank $ |
25,220.34 |
1,423.94 |
2,528.93 |
2,829.58 |
18,71,236 |
1,18,965 |
1,74,307 |
1,96,264 |
| 1.2 Inter-bank $ |
2,30,231.22 |
14,764.06 |
27,205.39 |
29,297.41 |
73,08,472 |
4,80,416 |
7,23,917 |
8,37,159 |
| 2 Internet Payments (Netbanking / internet browser based) @ |
32493.63 |
2431.49 |
2336.06 |
2703.43 |
4,15,81,497 |
31,23,215 |
29,53,188 |
34,68,700 |
| 2.1 Intra-bank @ |
6,886.15 |
533.60 |
492.39 |
545.84 |
2,06,01,554 |
15,29,247 |
12,90,828 |
15,01,183 |
| 2.2 Inter-bank @ |
25,607.48 |
1,897.89 |
1,843.67 |
2,157.60 |
2,09,79,943 |
15,93,967 |
16,62,360 |
19,67,517 |
| B. ATMs |
|
|
|
|
|
|
|
|
| 3. Cash Withdrawal at ATMs $ |
60,905.79 |
4,716.58 |
4,169.98 |
4,739.69 |
2889825 |
229517 |
202854 |
228900 |
| 3.1 Using Credit Cards $ |
51.41 |
3.23 |
3.65 |
4.31 |
2560 |
163 |
187 |
219 |
| 3.2 Using Debit Cards $ |
60602.23 |
4698.45 |
4142.63 |
4735.38 |
2878025 |
228734 |
201978 |
228681 |
| 3.3 Using Pre-paid Cards $ |
252.15 |
14.91 |
23.69 |
21.91 |
9239 |
620 |
690 |
734 |
| 4. Cash Withdrawal at PoS $ |
394.60 |
29.42 |
20.81 |
7.03 |
1532 |
116 |
122 |
44 |
| 4.1 Using Debit Cards $ |
353.33 |
27.82 |
18.08 |
7.03 |
1483 |
114 |
102 |
44 |
| 4.2 Using Pre-paid Cards $ |
41.27 |
1.60 |
2.73 |
0.84 |
49 |
3 |
19 |
15 |
| 5. Cash Withdrawal at Micro ATMs @ |
9460.43 |
990.75 |
824.36 |
856.89 |
225420 |
19749 |
24138 |
24187 |
| 5.1 AePS @ |
9460.43 |
990.75 |
824.36 |
856.89 |
225420 |
19749 |
24138 |
24187 |
| PART III - Payment Infrastructures (lakh) |
| |
As on March 2021 |
2020 June |
2021 |
2021 |
| May |
June |
| 1 |
2 |
3 |
4 |
| Payment System Infrastructures |
|
|
|
|
| 1 Number of Cards |
9,602.51 |
9,027.03 |
9,647.02 |
9,688.24 |
| 1.1 Credit Cards |
620.49 |
572.89 |
623.93 |
628.15 |
| 1.2 Debit Cards |
8,982.02 |
8,454.14 |
9,023.09 |
9,060.08 |
| 2 Number of PPIs @ |
21,952.60 |
19,008.07 |
22,609.29 |
22,947.96 |
| 2.1 Wallets @ |
20,052.10 |
17,553.64 |
20,542.99 |
20,864.68 |
| 2.2 Cards @ |
1,900.51 |
1,454.43 |
2,066.30 |
2,083.28 |
| 3 Number of ATMs |
2.39 |
2.34 |
2.40 |
2.40 |
| 3.1 Bank owned ATMs $ |
2.14 |
2.10 |
2.15 |
2.14 |
| 3.2 White Label ATMs $ |
0.25 |
0.24 |
0.26 |
0.26 |
| 4 Number of Micro ATMs @ |
4.04 |
2.96 |
4.25 |
4.54 |
| 5 Number of PoS Terminals |
47.20 |
43.26 |
45.20 |
45.93 |
| 6 Bharat QR @ |
35.70 |
21.51 |
48.63 |
49.33 |
| 7 UPI QR * |
925.22 |
- |
981.82 |
1018.06 |
@: New inclusion w.e.f. November 2019
$ : 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. |
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