Payment System Indicators - September 2021 - आरबीआई - Reserve Bank of India
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Payment System Indicators - September 2021
| PART I - Payment System Indicators - Payment & Settlement System Statistics | ||||||||
|---|---|---|---|---|---|---|---|---|
| Volume (lakh) | Value (₹ crore) | |||||||
| FY 2020-21 | 2020 September | 2021 | 2021 | FY 2020-21 | 2020 September | 2021 | 2021 | |
| August | September | August | September | |||||
| 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
| A. Settlement Systems | ||||||||
| Financial Market Infrastructures (FMIs) | ||||||||
| 1 CCIL Operated Systems | 27.97 | 2.70 | 2.51 | 3.21 | 161943141 | 13397758 | 15362952 | 16683094 |
| 1.1 Govt. Securities Clearing | 11.55 | 1.08 | 0.96 | 1.37 | 110634315 | 9021412 | 10388877 | 11404584 |
| 1.1.1 Outright | 6.28 | 0.61 | 0.50 | 0.90 | 10032187 | 881023 | 730532 | 1127485 |
| 1.1.2 Repo | 2.84 | 0.29 | 0.24 | 0.25 | 43751173 | 4115039 | 3479766 | 3885956 |
| 1.1.3 Tri-party Repo | 2.43 | 0.19 | 0.22 | 0.22 | 56850956 | 4025350 | 6178579 | 6391143 |
| 1.2 Forex Clearing | 16.04 | 1.60 | 1.48 | 1.77 | 48903961 | 4238877 | 4599545 | 4826170 |
| 1.3 Rupee Derivatives @ | 0.38 | 0.03 | 0.06 | 0.07 | 2404865 | 137470 | 374530 | 452340 |
| B. Payment Systems | ||||||||
| I Financial Market Infrastructures (FMIs) | ||||||||
| 1 Credit Transfers - RTGS | 1591.92 | 130.11 | 166.52 | 174.57 | 105599849 | 9489066 | 10164296 | 11069631 |
| 1.1 Customer Transactions | 1573.47 | 128.49 | 165.34 | 173.33 | 91008367 | 7993814 | 8940380 | 9838858 |
| 1.2 Interbank Transactions | 18.45 | 1.61 | 1.18 | 1.24 | 14591482 | 1495252 | 1223916 | 1230773 |
| II Retail | ||||||||
| 2 Credit Transfers - Retail | 317851.82 | 25506.62 | 45370.66 | 45720.72 | 33522150 | 2817678 | 3277624 | 3495969 |
| 2.1 AePS (Fund Transfers) @ | 11.32 | 0.96 | 1.05 | 0.98 | 623 | 51 | 61 | 57 |
| 2.2 APBS $ | 14372.99 | 1059.85 | 722.32 | 781.62 | 112747 | 6243 | 10305 | 6199 |
| 2.3 IMPS | 32783.47 | 2796.08 | 3797.12 | 3848.84 | 2941500 | 248662 | 320203 | 324096 |
| 2.4 NACH Cr $ | 16449.51 | 1179.79 | 2075.99 | 1171.57 | 1232714 | 68176 | 98119 | 91281 |
| 2.5 NEFT | 30927.89 | 2468.27 | 3218.73 | 3359.54 | 25130910 | 2165515 | 2209818 | 2419688 |
| 2.6 UPI @ | 223306.64 | 18001.67 | 35555.45 | 36558.17 | 4103658 | 329032 | 639117 | 654648 |
| 2.6.1 of which USSD @ | 10.45 | 0.89 | 1.14 | 1.14 | 172 | 14 | 17 | 16 |
| 3 Debit Transfers and Direct Debits | 10440.40 | 926.42 | 1008.32 | 987.44 | 872399 | 78240 | 85436 | 84660 |
| 3.1 BHIM Aadhaar Pay @ | 160.84 | 15.28 | 21.99 | 19.39 | 2580 | 205 | 462 | 440 |
| 3.2 NACH Dr $ | 9629.61 | 857.43 | 876.81 | 878.31 | 868906 | 77958 | 84818 | 84068 |
| 3.3 NETC (linked to bank account) @ | 649.96 | 53.71 | 109.52 | 89.74 | 913 | 77 | 155 | 152 |
| 4 Card Payments | 57,786.60 | 4,994.52 | 5,493.00 | 5,337.50 | 12,91,799 | 1,06,500 | 1,42,600 | 1,42,817 |
| 4.1 Credit Cards | 17,641.06 | 1,486.71 | 1,904.71 | 1,847.21 | 6,30,414 | 51,134 | 77,733 | 80,228 |
| 4.1.1 PoS based $ | 8688.81 | 713.37 | 984.62 | 961.53 | 280769 | 21986 | 32968.89 | 31742.90 |
| 4.1.2 Others $ | 8952.25 | 773.33 | 920.08 | 885.68 | 349645 | 29148 | 44764.13 | 48484.85 |
| 4.2 Debit Cards | 40,145.54 | 3,507.81 | 3,588.29 | 3,490.29 | 661385 | 55366 | 64867 | 62589 |
| 4.2.1 PoS based $ | 20773.50 | 1758.83 | 2119.63 | 2053.00 | 377630 | 30422 | 41177 | 38591 |
| 4.2.2 Others $ | 19372.04 | 1748.98 | 1468.66 | 1437.29 | 283755 | 24944 | 23690 | 23998 |
| 5 Prepaid Payment Instruments | 49,742.55 | 4,653.54 | 5,259.99 | 4,934.60 | 197696 | 16683 | 22670 | 30273 |
| 5.1 Wallets | 39987.01 | 3616.58 | 4227.08 | 3884.65 | 152065 | 13258 | 17745 | 25645 |
| 5.2 Cards | 9,755.54 | 1,036.96 | 1,032.91 | 1,049.96 | 45631 | 3425 | 4925 | 4628 |
| 5.2.1 PoS based $ | 787.59 | 60.08 | 132.27 | 133.71 | 11639 | 910 | 1110 | 995 |
| 5.2.2 Others $ | 8967.95 | 976.87 | 900.63 | 916.25 | 33992 | 2515 | 3815 | 3634 |
| 6 Paper-based Instruments | 6,703.70 | 612.71 | 588.62 | 624.10 | 5627189 | 485243 | 533903 | 566468 |
| 6.1 CTS (NPCI Managed) | 6702.53 | 612.63 | 588.62 | 624.10 | 5625941 | 485114 | 533903 | 566468 |
| 6.2 Others | 1.17 | 0.08 | 0.00 | 0.00 | 1249 | 128 | 0 | 0 |
| Total - Retail Payments (2+3+4+5+6) | 4,42,525.07 | 36,693.80 | 57,720.58 | 57,604.36 | 41511233 | 3504344 | 4062232 | 4320187 |
| Total Payments (1+2+3+4+5+6) | 4,44,116.99 | 36,823.90 | 57,887.11 | 57,778.93 | 147111082 | 12993410 | 14226528 | 15389818 |
| Total Digital Payments (1+2+3+4+5) | 4,37,413.29 | 36,211.20 | 57,298.49 | 57,154.83 | 141483892 | 12508167 | 13692625 | 14823351 |
| PART II - Payment Modes and Channels | ||||||||
|---|---|---|---|---|---|---|---|---|
| Volume (lakh) | Value (₹ crore) | |||||||
| FY 2020-21 | 2020 September | 2021 | 2021 | FY 2020-21 | 2020 September | 2021 | 2021 | |
| August | September | August | September | |||||
| 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
| A. Other Payment Channels | ||||||||
| 1 Mobile Payments (mobile app based) | 2,58,033.70 | 20,994.76 | 39029.40 | 46858.26 | 92,01,212 | 7,05,945 | 11,36,503 | 12,33,089 |
| 1.1 Intra-bank $ | 25,220.71 | 1,907.83 | 3,244.29 | 5,175.00 | 18,71,390 | 1,45,416 | 2,01,774 | 2,74,653 |
| 1.2 Inter-bank $ | 2,32,812.99 | 19,086.93 | 35,785.12 | 41,683.26 | 73,29,822 | 5,60,529 | 9,34,729 | 9,58,435 |
| 2 Internet Payments (Netbanking / internet browser based) @ | 32,493.63 | 2,822.04 | 3,134.32 | 3,187.18 | 4,15,81,497 | 34,36,124 | 36,88,425 | 40,03,452 |
| 2.1 Intra-bank @ | 6,886.15 | 594.83 | 603.29 | 598.49 | 2,06,01,554 | 16,78,942 | 16,36,328 | 17,95,714 |
| 2.2 Inter-bank @ | 25,607.48 | 2,227.20 | 2,531.03 | 2,588.68 | 2,09,79,943 | 17,57,182 | 20,52,097 | 22,07,737 |
| B. ATMs | ||||||||
| 3. Cash Withdrawal at ATMs $ | 60,905.81 | 5,069.39 | 5,688.71 | 5,545.36 | 28,89,826 | 2,41,223 | 2,62,881 | 2,57,964 |
| 3.1 Using Credit Cards $ | 51.41 | 4.36 | 5.02 | 4.98 | 2560 | 217 | 248 | 249 |
| 3.2 Using Debit Cards $ | 60602.23 | 5042.50 | 5656.34 | 5512.90 | 2878025 | 240205 | 261683 | 256767 |
| 3.3 Using Pre-paid Cards $ | 252.17 | 22.53 | 27.35 | 27.48 | 9240 | 801 | 949 | 948 |
| 4. Cash Withdrawal at PoS $ | 394.77 | 33.62 | 6.62 | 5.37 | 1533 | 123 | 70 | 46 |
| 4.1 Using Debit Cards $ | 353.50 | 29.39 | 5.50 | 5.08 | 1484 | 118 | 42 | 40 |
| 4.2 Using Pre-paid Cards $ | 41.27 | 4.23 | 1.12 | 0.29 | 49 | 5 | 28 | 6 |
| 5. Cash Withdrawal at Micro ATMs @ | 9460.43 | 717.65 | 1061.82 | 888.88 | 225420 | 17096 | 26830 | 22793 |
| 5.1 AePS @ | 9460.43 | 717.65 | 1061.82 | 888.88 | 225420 | 17096 | 26830 | 22793 |
| PART III - Payment Infrastructures (lakh) | ||||
|---|---|---|---|---|
| As on March 2021 | 2020 September | 2021 | 2021 | |
| August | September | |||
| 1 | 2 | 3 | 4 | |
| Payment System Infrastructures | ||||
| 1 Number of Cards | 9,602.51 | 9,241.29 | 9,777.46 | 9,853.28 |
| 1.1 Credit Cards | 620.49 | 586.94 | 639.34 | 650.25 |
| 1.2 Debit Cards | 8,982.02 | 8,654.35 | 9138.11 | 9203.03 |
| 2 Number of PPIs @ | 21,952.60 | 19,960.47 | 24,099.33 | 22,461.77 |
| 2.1 Wallets @ | 20,052.10 | 18,287.99 | 21,927.39 | 20,203.10 |
| 2.2 Cards @ | 1,900.51 | 1,672.48 | 2,171.94 | 2,258.68 |
| 3 Number of ATMs | 2.39 | 2.34 | 2.41 | 2.41 |
| 3.1 Bank owned ATMs $ | 2.14 | 2.10 | 2.14 | 2.13 |
| 3.2 White Label ATMs $ | 0.25 | 0.24 | 0.27 | 0.28 |
| 4 Number of Micro ATMs @ | 4.04 | 3.28 | 4.94 | 5.13 |
| 5 Number of PoS Terminals | 47.20 | 44.23 | 48.16 | 49.77 |
| 6 Bharat QR @ | 35.70 | 22.99 | 52.47 | 52.85 |
| 7 UPI QR * | 925.22 | 604.07 | 1133.11 | 1196.08 |
| @: 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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