43. Payment System Indicators - ആർബിഐ - Reserve Bank of India
43. Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics | ||||||||
System | Volume (Lakh) |
Value (₹ Crore) |
||||||
FY 2021-22 | 2021 | 2022 | FY 2021-22 | 2021 | 2022 | |||
Sep. | Aug. | Sep. | Sep. | Aug. | Sep. | |||
1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | |
A. Settlement Systems | ||||||||
Financial Market Infrastructures (FMIs) | ||||||||
1 CCIL Operated Systems (1.1 to 1.3) | 33.01 | 3.21 | 3.30 | 3.97 | 206873112 | 16683094 | 20028644 | 24321858 |
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) | 12.22 | 1.37 | 1.33 | 1.51 | 142072939 | 11404584 | 13493765 | 16060463 |
1.1.1 Outright | 6.22 | 0.90 | 0.75 | 0.86 | 8793301 | 1127485 | 888832 | 1027326 |
1.1.2 Repo | 3.08 | 0.25 | 0.32 | 0.36 | 51015712 | 3885956 | 5251883 | 6014630 |
1.1.3 Tri-party Repo | 2.92 | 0.22 | 0.25 | 0.30 | 82263926 | 6391143 | 7353051 | 9018508 |
1.2 Forex Clearing | 19.91 | 1.77 | 1.89 | 2.34 | 59775826 | 4826170 | 5970122 | 7499481 |
1.3 Rupee Derivatives @ | 0.88 | 0.07 | 0.09 | 0.11 | 5024347 | 452340 | 564757 | 761914 |
B. Payment Systems | ||||||||
I Financial Market Infrastructures (FMIs) | – | – | – | – | – | – | – | – |
1 Credit Transfers - RTGS (1.1 to 1.2) | 2078.39 | 174.57 | 188.08 | 198.30 | 128657516 | 11069631 | 11665583 | 13789637 |
1.1 Customer Transactions | 2063.73 | 173.33 | 186.92 | 197.10 | 113319292 | 9838858 | 10274480 | 12094321 |
1.2 Interbank Transactions | 14.66 | 1.24 | 1.16 | 1.20 | 15338225 | 1230773 | 1391103 | 1695316 |
II Retail | ||||||||
2 Credit Transfers - Retail (2.1 to 2.6) | 577934.74 | 45720.72 | 77757.95 | 79564.55 | 42728006 | 3495969 | 4288963 | 4621357 |
2.1 AePS (Fund Transfers) @ | 9.76 | 0.98 | 0.54 | 0.55 | 575 | 57 | 30 | 32 |
2.2 APBS $ | 12573.33 | 781.62 | 1162.46 | 1170.39 | 133345 | 6199 | 9662 | 12805 |
2.3 IMPS | 46625.25 | 3848.84 | 4669.09 | 4622.31 | 4171037 | 324096 | 445989 | 454451 |
2.4 NACH Cr $ | 18757.82 | 1171.57 | 1940.04 | 1630.85 | 1281685 | 91281 | 128480 | 114718 |
2.5 NEFT | 40407.29 | 3359.54 | 4166.76 | 4332.45 | 28725463 | 2419688 | 2631639 | 2922913 |
2.6 UPI @ | 459561.30 | 36558.17 | 65819.06 | 67808.00 | 8415900 | 654648 | 1073162 | 1116438 |
2.6.1 of which USSD @ | 11.99 | 1.14 | 1.63 | 1.47 | 177 | 16 | 17 | 17 |
3 Debit Transfers and Direct Debits (3.1 to 3.3) | 12189.49 | 987.44 | 1247.15 | 1256.45 | 1034444 | 84660 | 102824 | 105856 |
3.1 BHIM Aadhaar Pay @ | 227.73 | 19.39 | 17.57 | 16.35 | 6113 | 440 | 516 | 516 |
3.2 NACH Dr $ | 10754.74 | 878.31 | 1097.38 | 1113.20 | 1026641 | 84068 | 102100 | 105128 |
3.3 NETC (linked to bank account) @ | 1207.02 | 89.74 | 132.20 | 126.90 | 1689 | 152 | 209 | 211 |
4 Card Payments (4.1 to 4.2) | 61782.93 | 5337.50 | 5481.30 | 5363.24 | 1701851 | 142817 | 174516 | 183981 |
4.1 Credit Cards (4.1.1 to 4.1.2) | 22398.82 | 1847.21 | 2447.83 | 2460.17 | 971638 | 80228 | 112358 | 122554 |
4.1.1 PoS based $ | 11124.59 | 961.53 | 1330.54 | 1317.07 | 380643 | 31743 | 44943 | 45287 |
4.1.2 Others $ | 11274.23 | 885.68 | 1117.30 | 1143.10 | 590994 | 48485 | 67414 | 77267 |
4.2 Debit Cards (4.2.1 to 4.2.1) | 39384.11 | 3490.29 | 3033.47 | 2903.07 | 730213 | 62589 | 62159 | 61427 |
4.2.1 PoS based $ | 22967.10 | 2053.00 | 2009.83 | 1888.46 | 451550 | 38591 | 40552 | 38135 |
4.2.2 Others $ | 16417.00 | 1437.29 | 1023.64 | 1014.61 | 278663 | 23998 | 21606 | 23292 |
5 Prepaid Payment Instruments (5.1 to 5.2) | 65782.75 | 5292.53 | 6177.69 | 6048.61 | 279416 | 24482 | 24625 | 24090 |
5.1 Wallets | 53013.86 | 4242.67 | 4877.42 | 4706.99 | 220183 | 20230 | 18495 | 17915 |
5.2 Cards (5.2.1 to 5.2.2) | 12768.89 | 1049.86 | 1300.27 | 1341.62 | 59233 | 4252 | 6131 | 6175 |
5.2.1 PoS based $ | 1116.16 | 133.71 | 83.90 | 79.41 | 19546 | 995 | 1177 | 1172 |
5.2.2 Others $ | 11652.73 | 916.15 | 1216.37 | 1262.21 | 39687 | 3257 | 4953 | 5004 |
6 Paper-based Instruments (6.1 to 6.2) | 6999.12 | 624.10 | 575.81 | 603.84 | 6650333 | 566468 | 548385 | 591106 |
6.1 CTS (NPCI Managed) | 6999.12 | 624.10 | 575.81 | 603.84 | 6650333 | 566468 | 548385 | 591106 |
6.2 Others | 0.00 | – | – | – | – | – | – | – |
Total - Retail Payments (2+3+4+5+6) | 724689.03 | 57962.28 | 91239.89 | 92836.69 | 52394049 | 4314396 | 5139314 | 5526390 |
Total Payments (1+2+3+4+5+6) | 726767.42 | 58136.85 | 91427.97 | 93034.99 | 181051565 | 15384027 | 16804896 | 19316027 |
Total Digital Payments (1+2+3+4+5) | 719768.30 | 57512.75 | 90852.16 | 92431.15 | 174401233 | 14817559 | 16256512 | 18724921 |
PART II - Payment Modes and Channels | ||||||||
System | Volume (Lakh) |
Value (₹ Crore) |
||||||
FY 2021-22 | 2021 | 2022 | FY 2021-22 | 2021 | 2022 | |||
Sep. | Aug. | Sep. | Sep. | Aug. | Sep. | |||
1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | |
A. Other Payment Channels | ||||||||
1 Mobile Payments (mobile app based) (1.1 to 1.2) | 506842.31 | 39989.49 | 72227.76 | 72863.54 | 14961371 | 1178882 | 1827748 | 1882968 |
1.1 Intra-bank $ | 40805.69 | 3358.50 | 6590.62 | 5133.31 | 2726363 | 218049 | 363782 | 348417 |
1.2 Inter-bank $ | 466036.62 | 36630.99 | 65637.14 | 67730.23 | 12235007 | 960832 | 1463966 | 1534550 |
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) | 40726.59 | 3646.48 | 3537.74 | 3585.44 | 83159996 | 6827521 | 7351640 | 8433347 |
2.1 Intra-bank @ | 9583.32 | 844.78 | 932.41 | 918.60 | 52142582 | 4214062 | 4304970 | 4985305 |
2.2 Inter-bank @ | 31143.27 | 2801.70 | 2605.33 | 2666.84 | 31017413 | 2613459 | 3046670 | 3448042 |
B. ATMs | ||||||||
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) | 65240.43 | 5540.66 | 5766.61 | 5725.75 | 3111946 | 257941 | 268788 | 265244 |
3.1 Using Credit Cards $ | 62.37 | 4.98 | 7.46 | 7.24 | 3130 | 249 | 359 | 352 |
3.2 Using Debit Cards $ | 64851.61 | 5508.82 | 5723.84 | 5684.15 | 3097739 | 256767 | 267289 | 263765 |
3.3 Using Pre-paid Cards $ | 326.45 | 26.86 | 35.31 | 34.36 | 11076 | 925 | 1141 | 1127 |
4 Cash Withdrawal at PoS $ (4.1 to 4.2) | 91.17 | 5.90 | 2.19 | 2.71 | 728 | 64 | 21 | 34 |
4.1 Using Debit Cards $ | 79.42 | 5.08 | 2.16 | 2.67 | 557 | 40 | 21 | 34 |
4.2 Using Pre-paid Cards $ | 11.75 | 0.82 | 0.03 | 0.04 | 171 | 23 | 0 | 0 |
5 Cash Withrawal at Micro ATMs @ | 11126.04 | 888.88 | 1021.48 | 1004.99 | 299776 | 22793 | 26193 | 26097 |
5.1 AePS @ | 11126.04 | 888.88 | 1021.48 | 1004.99 | 299776 | 22793 | 26193 | 26097 |
PART III - Payment Infrastructures (Lakh) | ||||
System | As on March 2022 | 2021 | 2022 | |
Sep. | Aug. | Sep. | ||
1 | 2 | 3 | 4 | |
Payment System Infrastructures | ||||
1 Number of Cards (1.1 to 1.2) | 9912.93 | 9844.09 | 10130.17 | 10162.40 |
1.1 Credit Cards | 736.27 | 650.25 | 779.91 | 777.02 |
1.2 Debit Cards | 9176.66 | 9193.84 | 9350.26 | 9385.38 |
2 Number of PPIs @ (2.1 to 2.2) | 15553.69 | 13979.08 | 15661.77 | 15842.95 |
2.1 Wallets @ | 12787.93 | 11714.34 | 12948.75 | 13106.33 |
2.2 Cards @ | 2765.76 | 2264.74 | 2713.02 | 2736.62 |
3 Number of ATMs (3.1 to 3.2) | 2.52 | 2.41 | 2.54 | 2.55 |
3.1 Bank owned ATMs $ | 2.20 | 2.13 | 2.20 | 2.20 |
3.2 White Label ATMs $ | 0.31 | 0.28 | 0.34 | 0.35 |
4 Number of Micro ATMs @ | 9.16 | 6.50 | 11.71 | 12.39 |
5 Number of PoS Terminals | 60.70 | 49.77 | 70.58 | 70.35 |
6 Bharat QR @ | 49.72 | 43.74 | 47.49 | 48.64 |
7 UPI QR * | 1727.34 | 1205.19 | 2092.54 | 2164.30 |
@: New inclusion w.e.f. November 2019 |