| PART I - Payment System Indicators - Payment & Settlement System Statistics |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2021-22 |
2021
March |
2022 |
2022 |
FY 2021-22 |
2021
March |
2022 |
2022 |
| February |
March |
February |
March |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Settlement Systems |
|
|
|
|
|
|
|
|
| Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 CCIL Operated Systems |
33.01 |
2.92 |
2.92 |
3.25 |
206873111 |
17383479 |
17994586 |
20588727 |
| 1.1 Govt. Securities Clearing |
12.22 |
0.91 |
1.10 |
1.04 |
142072938 |
11182301 |
12914111 |
13682354 |
| 1.1.1 Outright |
6.21 |
0.42 |
0.58 |
0.46 |
8793301 |
678873 |
721038 |
660443 |
| 1.1.2 Repo |
3.09 |
0.26 |
0.25 |
0.30 |
51015712 |
4362390 |
4221392 |
5341282 |
| 1.1.3 Tri-party Repo |
2.92 |
0.23 |
0.27 |
0.27 |
82263925 |
6141037 |
7971681 |
7680629 |
| 1.2 Forex Clearing |
19.90 |
1.95 |
1.73 |
2.11 |
59775826 |
5828078 |
4540145 |
6232193 |
| 1.3 Rupee Derivatives @ |
0.88 |
0.06 |
0.10 |
0.11 |
5024347 |
373100 |
540330 |
674180 |
| B. Payment Systems |
|
|
|
|
|
|
|
|
| I Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 Credit Transfers - RTGS |
2078.39 |
202.35 |
180.29 |
230.04 |
128657517 |
12982215 |
10324618 |
14458955 |
| 1.1 Customer Transactions |
2063.73 |
200.70 |
179.15 |
228.68 |
113319291 |
11427958 |
9277356 |
13069669 |
| 1.2 Interbank Transactions |
14.66 |
1.65 |
1.13 |
1.36 |
15338225 |
1554257 |
1047262 |
1389286 |
| II Retail |
|
|
|
|
|
|
|
|
| 2 Credit Transfers - Retail |
577631.89 |
37208.51 |
55283.72 |
66272.08 |
42722829 |
4053907 |
3806375 |
5062364 |
| 2.1 AePS (Fund Transfers) @ |
9.76 |
1.16 |
0.51 |
0.56 |
575 |
72 |
28 |
35 |
| 2.2 APBS $ |
12298.50 |
1128.83 |
629.87 |
1154.92 |
133052 |
11086 |
13043 |
15462 |
| 2.3 IMPS |
46625.25 |
3631.44 |
4209.31 |
4920.01 |
4171038 |
327236 |
384404 |
462279 |
| 2.4 NACH Cr $ |
18729.79 |
1648.84 |
1536.56 |
1825.88 |
1276801 |
164298 |
104998 |
131428 |
| 2.5 NEFT |
40407.29 |
3481.39 |
3632.58 |
4314.20 |
28725463 |
3046329 |
2477059 |
3492578 |
| 2.6 UPI @ |
459561.30 |
27316.85 |
45274.89 |
54056.51 |
8415900 |
504886 |
826843 |
960582 |
| 2.6.1 of which USSD @ |
11.99 |
0.94 |
0.68 |
0.91 |
177 |
15 |
10 |
12 |
| 3 Debit Transfers and Direct Debits |
12222.27 |
1038.84 |
1089.30 |
1136.67 |
1038335 |
86505 |
90746 |
98645 |
| 3.1 BHIM Aadhaar Pay @ |
227.73 |
12.92 |
15.23 |
19.47 |
6114 |
346 |
506 |
640 |
| 3.2 NACH Dr $ |
10787.53 |
920.42 |
948.20 |
979.27 |
1030532 |
86005 |
90056 |
97801 |
| 3.3 NETC (linked to bank account) @ |
1207.01 |
105.50 |
125.87 |
137.93 |
1690 |
154 |
184 |
204 |
| 4 Card Payments |
61,785.63 |
5,650.32 |
4,840.47 |
5,515.40 |
17,01,906 |
1,39,705 |
1,43,111 |
1,71,214 |
| 4.1 Credit Cards |
22,398.82 |
1,887.27 |
1,884.24 |
2,237.51 |
9,71,632 |
72,319 |
86,041 |
1,07,101 |
| 4.1.1 PoS based $ |
11124.59 |
1012.86 |
963.40 |
1134.33 |
380640 |
33286 |
32500 |
38773 |
| 4.1.2 Others $ |
11274.23 |
874.41 |
920.84 |
1103.18 |
590992 |
39033 |
53541 |
68328 |
| 4.2 Debit Cards |
39,386.81 |
3,763.05 |
2,956.23 |
3,277.89 |
730274 |
67386 |
57070 |
64113 |
| 4.2.1 PoS based $ |
22969.81 |
2229.12 |
1845.45 |
2081.16 |
451611 |
42816 |
36376 |
40831 |
| 4.2.2 Others $ |
16417.00 |
1533.93 |
1110.78 |
1196.73 |
278663 |
24570 |
20694 |
23282 |
| 5 Prepaid Payment Instruments |
65,812.39 |
5,201.05 |
5,626.89 |
6567 |
293658 |
21372 |
24649 |
27865 |
| 5.1 Wallets |
52683.01 |
4182.92 |
4386.09 |
5017 |
226645 |
14856 |
17259 |
20054 |
| 5.2 Cards |
13,129.38 |
1,018.13 |
1,240.79 |
1550 |
67014 |
6516 |
7390 |
7811 |
| 5.2.1 PoS based $ |
1066.47 |
59.48 |
126.61 |
165 |
18123 |
1453 |
3360 |
2860 |
| 5.2.2 Others $ |
12062.91 |
958.65 |
1114.18 |
1385 |
48891 |
5063 |
4030 |
4951 |
| 6 Paper-based Instruments |
6,999.12 |
806.59 |
581.98 |
702.93 |
6650332 |
722031 |
615321 |
694335 |
| 6.1 CTS (NPCI Managed) |
6999.12 |
806.59 |
581.98 |
702.93 |
6650332 |
722031 |
615321 |
694335 |
| 6.2 Others |
0.00 |
0.00 |
0.00 |
0.00 |
0 |
0 |
0 |
0 |
| Total - Retail Payments (2+3+4+5+6) |
7,24,451.31 |
49,905.31 |
67,422.35 |
80,194.17 |
52407061 |
5023520 |
4680202 |
6054424 |
| Total Payments (1+2+3+4+5+6) |
7,26,529.70 |
50,107.66 |
67,602.63 |
80,424.21 |
181064578 |
18005734 |
15004820 |
20513379 |
| Total Digital Payments (1+2+3+4+5) |
7,19,530.57 |
49,301.07 |
67,020.65 |
79,721.28 |
174414245 |
17283703 |
14389499 |
19819044 |
| PART II - Payment Modes and Channels |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2021-22 |
2021
March |
2022 |
2022 |
FY 2021-22 |
2021
March |
2022 |
2022 |
| February |
March |
February |
March |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Other Payment Channels |
|
|
|
|
|
|
|
|
| 1 Mobile Payments (mobile app based) |
5,07,531.32 |
33,082.40 |
48,507.66 |
57,378.43 |
1,49,70,860 |
12,48,779 |
13,95,093 |
16,50,284 |
| 1.1 Intra-bank $ |
40,805.67 |
4,852.88 |
3,626.98 |
4,218.03 |
27,23,849 |
2,70,764 |
246931 |
296045 |
| 1.2 Inter-bank $ |
4,66,725.65 |
28,229.52 |
44,880.68 |
53,160.39 |
1,22,47,011 |
9,78,015 |
1148163 |
1354239 |
| 2 Internet Payments (Netbanking / internet browser based) @ |
35,786.53 |
3,390.80 |
2,817.31 |
3,574.14 |
4,98,10,853 |
49,76,087 |
38,47,497 |
85,20,751 |
| 2.1 Intra-bank @ |
7,034.34 |
707.26 |
554.77 |
654.75 |
2,31,95,249 |
23,55,028 |
1638166 |
5037166 |
| 2.2 Inter-bank @ |
28,752.20 |
2,683.55 |
2,262.54 |
2,919.39 |
2,66,15,604 |
26,21,059 |
2209331 |
3483584 |
| B. ATMs |
|
|
|
|
|
|
|
|
| 3. Cash Withdrawal at ATMs $ |
65,083.45 |
6,040.02 |
5,300.30 |
5,767.24 |
31,05,601 |
2,85,268 |
2,56,463 |
2,81,048 |
| 3.1 Using Credit Cards $ |
62.37 |
5.92 |
5.29 |
6.80 |
3130 |
307 |
263.73 |
343.72 |
| 3.2 Using Debit Cards $ |
64694.97 |
6007.92 |
5266.81 |
5728.28 |
3091415 |
283955 |
255218.18 |
279566.58 |
| 3.3 Using Pre-paid Cards $ |
326.11 |
26.18 |
28.20 |
32.16 |
11056 |
1007 |
981 |
1138 |
| 4. Cash Withdrawal at PoS $ |
92.26 |
22.38 |
2.46 |
2.79 |
806 |
119 |
39 |
57 |
| 4.1 Using Debit Cards $ |
79.42 |
19.49 |
2.15 |
2.21 |
557 |
114 |
20.26 |
21.31 |
| 4.2 Using Pre-paid Cards $ |
12.84 |
2.90 |
0.32 |
0.57 |
248 |
5 |
19 |
36 |
| 5. Cash Withdrawal at Micro ATMs @ |
11126.04 |
763.86 |
928.46 |
1032.68 |
299776 |
22276 |
24975 |
28479 |
| 5.1 AePS @ |
11126.04 |
763.86 |
928.46 |
1032.68 |
299776 |
22276 |
24975 |
28479 |
| PART III - Payment Infrastructures (lakh) |
| |
As on March 2022 |
2021
March |
2022 |
2022 |
| February |
March |
| 1 |
2 |
3 |
4 |
| Payment System Infrastructures |
|
|
|
|
| 1 Number of Cards |
9,912.93 |
9,602.51 |
10,067.74 |
9,912.93 |
| 1.1 Credit Cards |
736.27 |
620.49 |
717.08 |
736.27 |
| 1.2 Debit Cards |
9,176.66 |
8,982.02 |
9350.66 |
9176.66 |
| 2 Number of PPIs @ |
27,408.39 |
21,952.60 |
27,320.10 |
27,408.39 |
| 2.1 Wallets @ |
24,645.40 |
20,052.10 |
24,605.03 |
24,645.40 |
| 2.2 Cards @ |
2,762.98 |
1,900.51 |
2,715.07 |
2,762.98 |
| 3 Number of ATMs and CRMs |
2.48 |
2.39 |
2.47 |
2.48 |
| 3.1 Bank owned ATMs$ and CRMs# |
2.17 |
2.14 |
2.16 |
2.17 |
| 3.2 White Label ATMs $ |
0.32 |
0.25 |
0.31 |
0.32 |
| 4 Number of Micro ATMs @ |
7.81 |
4.04 |
7.16 |
7.81 |
| 5 Number of PoS Terminals |
60.70 |
47.20 |
58.34 |
60.70 |
| 6 Bharat QR @ |
49.72 |
35.70 |
48.27 |
49.72 |
| 7 UPI QR * |
1727.34 |
925.22 |
1600.19 |
1727.34 |
@: 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. |
|
