Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
	Volume (lakh)				Value (₹ crore)
	FY 2022-23	2022 October	2023	2023	FY 2022-23	2022 October	2023	2023
			September	October			September	October
	1	2	3	4	1	2	3	4
A. Settlement Systems
Financial Market Infrastructures (FMIs)
1 CCIL Operated Systems	41.44	3.06	3.73	3.31	258797336	20887702	21104039	21422005
1.1 Govt. Securities Clearing	15.00	1.07	1.52	1.26	172251292	13863316	13723954	13902085
1.1.1 Outright	7.99	0.54	0.93	0.66	10090700	672816	1211320	889349
1.1.2 Repo	4.07	0.31	0.41	0.40	68032487	5277168	5629136	5760793
1.1.3 Tri-party Repo	2.94	0.22	0.19	0.20	94128105	7913333	6883498	7251944
1.2 Forex Clearing	25.16	1.90	2.10	1.96	78932050	6514292	6811643	7018310
1.3 Rupee Derivatives @	1.27	0.08	0.11	0.10	7613994	510094	568441	501610
B. Payment Systems
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS	2425.62	190.34	213.94	224.62	149946286	11551277	14545183	13464400
1.1 Customer Transactions	2411.19	189.18	212.80	223.48	131667176	10015711	12960210	11899324
1.2 Interbank Transactions	14.43	1.15	1.13	1.14	18279111	1535565	1584974	1565076
II Retail
2 Credit Transfers - Retail	983620.84	85748.55	119215.72	128356.32	55009620	4557107	5340256	5667254
2.1 AePS (Fund Transfers) @	5.90	0.56	0.31	0.31	356	31	21	20
2.2 APBS $	17833.95	1843.72	1818.74	1745.79	247535	25462	17943	19666
2.3 IMPS	56532.64	4824.59	4728.97	4928.80	5585441	466082	507497	538239
2.4 NACH Cr $	19257.19	1454.99	1512.78	1278.99	1541815	127118	109472	131546
2.5 NEFT	52847.43	4570.48	5598.05	6314.53	33719541	2726827	3126190	3262015
2.6 UPI @	837143.73	73054.21	105556.87	114087.90	13914932	1211588	1579133	1715768
2.6.1 of which USSD @	17.21	1.26	2.52	2.63	197	15	37	38
3 Debit Transfers and Direct Debits	15343.05	1297.79	1514.68	1499.66	1289611	106956	138748	139050
3.1 BHIM Aadhaar Pay @	214.22	19.99	13.87	15.14	6791	604	441	525
3.2 NACH Dr $	13502.52	1139.92	1371.81	1348.29	1280219	106131	138081	138287
3.3 NETC (linked to bank account) @	1626.31	137.88	129.00	136.23	2601	221	226	238
4 Card Payments	63324.72	5516.40	4578.77	5105.51	2152245	195998	189199	230670
4.1 Credit Cards	29145.24	2554.02	2739.43	3200.48	1432255	129048	142320	178569
4.1.1 PoS based $	15598.46	1400.51	1420.96	1596.74	541932	51183	49440	57774
4.1.2 Others $	13546.79	1153.51	1318.47	1603.73	890323	77865	92879	120795
4.2 Debit Cards	34179.48	2962.38	1839.34	1905.04	719989	66950	46880	52101
4.2.1 PoS based $	22904.86	2045.27	1326.09	1375.63	476520	46016	30525	33731
4.2.2 Others $	11274.61	917.10	513.26	529.40	243470	20934	16355	18371
5 Prepaid Payment Instruments	74667.44	6167.35	6143.16	6687.84	287111	24296	23668	25012
5.1 Wallets	59112.76	4877.04	4899.67	5301.96	221896	18450	19926	20630
5.2 Cards	15554.69	1290.31	1243.49	1385.88	65215	5846	3742	4382
5.2.1 PoS based $	1013.09	83.89	721.81	750.95	14777	1169	852	884
5.2.2 Others $	14541.60	1206.42	521.68	634.93	50438	4677	2890	3498
6 Paper-based Instruments	7109.28	561.89	538.35	559.90	7172904	549637	575021	584454
6.1 CTS (NPCI Managed)	7109.28	561.89	538.35	559.90	7172904	549637	575021	584454
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)	1144065.34	99291.97	131990.68	142209.23	65911490	5433995	6266892	6646440
Total Payments (1+2+3+4+5+6)	1146490.96	99482.31	132204.62	142433.85	215857776	16985272	20812075	20110841
Total Digital Payments (1+2+3+4+5)	1139381.68	98920.42	131666.27	141873.95	208684872	16435635	20237054	19526387

 

PART II - Payment Modes and Channels
	Volume (lakh)				Value (₹ crore)
	FY 2022-23	2022 October	2023	2023	FY 2022-23	2022 October	2023	2023
			September	October			September	October
	1	2	3	4	1	2	3	4
A. Other Payment Channels
1 Mobile Payments (mobile app based)	805338.23	70328.74	101214.61	109331.98	22031628	1876993	2434721	2619059
1.1 Intra-bank $	62306.61	5473.11	6606.30	6877.75	4191430	351669	446014	474311
1.2 Inter-bank $	743031.61	64855.62	94608.31	102454.23	17840197	1525324	1988707	2144749
2 Internet Payments (Netbanking / internet browser based) @	42630.64	3619.15	3650.26	3736.00	91539296	7172840	8219961	8464802
2.1 Intra-bank @	10703.78	873.32	988.10	983.49	53506133	4126602	4179061	4400612
2.2 Inter-bank @	31926.86	2745.82	2662.16	2752.51	38033163	3046239	4040900	4064190
B. ATMs
3. Cash Withdrawal at ATMs $	69468.87	6124.46	5377.33	5721.44	3305008	292144	260514	277825
3.1 Using Credit Cards $	88.37	7.67	7.85	8.54	4296	375	380	413
3.2 Using Debit Cards $	68975.18	6078.30	5340.80	5683.51	3286749	290557	259072	276282
3.3 Using Pre-paid Cards $	405.32	38.48	28.67	29.40	13963	1212	1062	1130
4. Cash Withdrawal at PoS $	27.73	2.14	0.97	0.85	278	21	9	8
4.1 Using Debit Cards $	27.41	2.11	0.96	0.84	276	21	9	8
4.2 Using Pre-paid Cards $	0.33	0.03	0.01	0.01	2	0	0	0
5. Cash Withdrawal at Micro ATMs @	12375.16	1156.16	991.43	986.49	333966	30463	25477	25378
5.1 AePS @	12375.16	1156.16	991.43	986.49	333966	30463	25477	25378

 

 

PART III - Payment Infrastructures (lakh)
	As on March 2023	2022 October	2023	2023
			September	October
	1	2	3	4
Payment System Infrastructures
1 Number of Cards	10465.62	10235.99	10713.04	10748.82
1.1 Credit Cards	853.03	793.68	930.17	947.11
1.2 Debit Cards	9612.59	9442.32	9782.86	9801.71
2 Number of PPIs @	16185.22	15985.59	16718.09	16830.87
2.1 Wallets @	13384.65	13195.92	13437.06	13576.88
2.2 Cards @	2800.57	2789.67	3281.03	3253.99
3 Number of ATMs and CRMs	2.59	2.55	2.58	2.58
3.1 Bank owned ATMs$ and CRMs#	2.23	2.20	2.23	2.23
3.2 White Label ATMs $	0.36	0.35	0.35	0.35
4 Number of Micro ATMs @	16.11	12.91	14.87	15.30
5 Number of PoS Terminals	77.90	72.11	83.03	83.48
6 Bharat QR @	53.82	47.19	59.82	59.75
7 UPI QR *	2563.77	2253.23	2950.06	3017.20

 

 

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
	September	October	September	October
1. Card Payments	97.60	101.98	8715	9556
1.1 Credit Cards	61.55	65.29	5859	6462
1.1.1 PoS based	24.50	28.01	1785	2519
1.1.2 Online	37.04	37.28	4074	3944
1.2 Debit Cards	36.05	36.69	2856	3094
1.2.1 PoS based	13.80	16.47	725	1105
1.2.2 Online	22.25	20.22	2131	1990
2. Prepaid Payment Instruments	38.15	41.76	1530	1574
2.1 PoS based	33.00	36.30	1174	1237
2.2 Online	5.15	5.45	356	336
3. Cash Withdrawal at ATMs	7.72	8.30	2329	4349
3.1 Using Credit Cards	0.52	0.62	105	2385
3.2 Using Debit Cards	4.79	5.19	1176	1103
3.3 Using PPIs	2.41	2.49	1047	862
Total International Payments	143.47	152.03	12573	15479

 

 

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	68927.36	0.152 bps
May 2023	2.03	285	63051.71	0.147 bps
June 2023	1.74	265	72554.96	0.128 bps
July 2023	2.24	286	59898.87	0.146 bps
August 2023	2.40	320	58391.71	0.157 bps
September 2023	2.52	366	55057.76	0.174 bps
October 2023	2.23	335	66950.05	0.164 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.