43. Payment System Indicators

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43. Payment System Indicators

PART I - Payment System Indicators - Payment & Settlement System Statistics
System	Volume (Lakh)				Value (₹ Crore)
	FY 2022-23	2022	2023		FY 2022-23	2022	2023
	FY 2022-23	Jun.	May.	Jun.	FY 2022-23	Jun.	May.	Jun.
	1	2	3	4	5	6	7	8
A. Settlement Systems
Financial Market Infrastructures (FMIs)
1 CCIL Operated Systems (1.1 to 1.3)	41.44	3.42	4.03	3.81	258797336	22912930	22537634	22638088
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3)	15.00	1.32	1.63	1.54	172251292	15445511	15227196	15259736
1.1.1 Outright	7.99	0.68	0.98	0.88	10090700	844409	1326724	1299039
1.1.2 Repo	4.07	0.34	0.45	0.45	68032487	5627915	7732270	7312076
1.1.3 Tri-party Repo	2.94	0.30	0.20	0.21	94128105	8973188	6168201	6648621
1.2 Forex Clearing	25.16	1.97	2.23	2.17	78932050	6778125	6189356	6854522
1.3 Rupee Derivatives @	1.27	0.13	0.17	0.10	7613994	689294	1121082	523830
B. Payment Systems
I Financial Market Infrastructures (FMIs)	-	-	-	-	-	-	-	-
1 Credit Transfers - RTGS (1.1 to 1.2)	2425.62	194.42	220.46	212.30	149946286	12356054	12882587	14336617
1.1 Customer Transactions	2411.19	193.18	219.21	211.10	131667176	10840909	11413321	12739932
1.2 Interbank Transactions	14.43	1.24	1.25	1.20	18279111	1515145	1469266	1596685
II Retail
2 Credit Transfers - Retail (2.1 to 2.6)	983620.84	69921.27	107130.93	106299.38	55009620	4298158	5196720	5151213
2.1 AePS (Fund Transfers) @	5.90	0.62	0.34	0.30	356	37	23	20
2.2 APBS $	17833.95	1222.24	1838.94	1875.41	247535	23010	31424	25772
2.3 IMPS	56532.64	4557.01	5015.49	4681.02	5585441	443776	527558	500482
2.4 NACH Cr $	19257.19	1489.99	1227.66	1294.91	1541815	100909	122239	109983
2.5 NEFT	52847.43	4022.33	4896.66	5097.12	33719541	2716013	3026331	3039491
2.6 UPI @	837143.73	58629.08	94151.85	93350.61	13914932	1014413	1489145	1475464
2.6.1 of which USSD @	17.21	0.99	1.75	2.18	197	12	21	30
3 Debit Transfers and Direct Debits (3.1 to 3.3)	15343.05	1225.96	1457.43	1453.92	1289611	100325	125654	129549
3.1 BHIM Aadhaar Pay @	214.22	39.82	15.45	14.83	6791	1049	535	487
3.2 NACH Dr $	13502.52	1048.14	1288.88	1296.38	1280219	99060	124864	128819
3.3 NETC (linked to bank account) @	1626.31	138.00	153.10	142.71	2601	216	256	243
4 Card Payments (4.1 to 4.2)	63337.24	5376.24	4974.51	4731.29	2152418	169669	193436	188284
4.1 Credit Cards (4.1.1 to 4.1.2)	29145.25	2279.46	2734.74	2629.05	1432255	108752	140660	137234
4.1.1 PoS based $	15598.70	1210.51	1419.98	1378.71	541944	40466	50811	48854
4.1.2 Others $	13546.54	1068.95	1314.76	1250.34	890311	68286	89849	88380
4.2 Debit Cards (4.2.1 to 4.2.1 )	34192.00	3096.79	2239.77	2102.24	720163	60917	52776	51049
4.2.1 PoS based $	22917.38	2012.90	1592.87	1499.66	476693	39877	35589	33778
4.2.2 Others $	11274.61	1083.89	646.89	602.58	243470	21040	17187	17271
5 Prepaid Payment Instruments (5.1 to 5.2)	74667.44	6258.03	6872.86	6464.03	287111	24738	23967	23114
5.1 Wallets	59112.76	4979.19	5660.41	5294.78	221896	18488	20344	19767
5.2 Cards (5.2.1 to 5.2.2)	15554.69	1278.83	1212.46	1169.24	65215	6250	3624	3347
5.2.1 PoS based $	1013.09	87.22	721.33	681.07	14777	1301	1190	1016
5.2.2 Others $	14541.60	1191.62	491.13	488.17	50438	4949	2434	2331
6 Paper-based Instruments (6.1 to 6.2)	7102.88	593.72	572.39	539.37	7173581	599196	627772	578306
6.1 CTS (NPCI Managed)	7102.88	593.72	572.39	539.37	7173581	599196	627772	578306
6.2 Others	0.00	–	–	–	–	–	–	–
Total - Retail Payments (2+3+4+5+6)	1144071.46	83375.21	121008.13	119487.97	65912340	5192086	6167549	6070466
Total Payments (1+2+3+4+5+6)	1144072.73	83569.63	121008.30	119700.28	73526334	17548140	7288631	20407083
Total Digital Payments (1+2+3+4+5)	1136969.85	82975.91	120435.91	119160.91	66352754	16948944	6660859	19828777

PART II - Payment Modes and Channels
System	Volume (Lakh)				Value (₹ Crore)
	FY 2022-23	2022	2023		FY 2022-23	2022	2023
	FY 2022-23	Jun.	May.	Jun.	FY 2022-23	Jun.	May.	Jun.
	1	2	3	4	5	6	7	8
A. Other Payment Channels
1 Mobile Payments (mobile app based) (1.1 to 1.2)	806541.16	62583.88	87374.84	88411.48	22031617	1716565	2268476	2243149
1.1 Intra-bank $	62306.61	4309.58	6127.73	6145.85	4191430	305197	424314	416271
1.2 Inter-bank $	744234.54	58274.29	81247.11	82265.63	17840187	1411368	1844163	1826878
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2)	42630.64	3572.22	3597.97	3564.77	91539296	8264386	7800705	8354438
2.1 Intra-bank @	10703.78	870.16	916.90	929.63	53506133	5147947	4116658	4456179
2.2 Inter-bank @	31926.86	2702.06	2681.08	2635.13	38033163	3116439	3684047	3898259
B. ATMs
3 Cash Withdrawal at ATMs $ (3.1 to 3.3)	69465.15	5730.78	5694.70	5398.31	3305007	271367	279622	268351
3.1 Using Credit Cards $	88.37	6.79	7.73	7.43	4296	336	366	352
3.2 Using Debit Cards $	68971.46	5690.79	5655.91	5361.29	3286748	269935	278080	266925
3.3 Using Pre-paid Cards $	405.32	33.20	31.07	29.58	13963	1096	1175	1074
4 Cash Withdrawal at PoS $ (4.1 to 4.2)	27.73	2.30	2.33	2.29	278	22	23	23
4.1 Using Debit Cards $	27.41	2.27	2.31	2.29	276	22	23	23
4.2 Using Pre-paid Cards $	0.33	0.03	0.02	0.01	2	0	0	0
5 Cash Withrawal at Micro ATMs @	12375.16	1167.16	979.64	943.77	333966	31318	27469	25991
5.1 AePS @	12375.16	1167.16	979.64	943.77	333966	31318	27469	25991

PART III - Payment Infrastructures (Lakh)
System	As on March 2023	2022	2023
	As on March 2023	Jun.	May.	Jun.
	1	2	3	4
Payment System Infrastructures
1 Number of Cards (1.1 to 1.2)	10465.62	10000.22	10616.74	10645.15
1.1 Credit Cards	853.03	787.23	877.47	886.82
1.2 Debit Cards	9612.59	9212.99	9739.26	9758.33
2 Number of PPIs @ (2.1 to 2.2)	16185.22	15571.12	16455.95	16530.36
2.1 Wallets @	13384.65	12932.46	13372.11	13409.19
2.2 Cards @	2800.57	2638.66	3083.84	3121.17
3 Number of ATMs (3.1 to 3.2)	2.59	2.53	2.56	2.59
3.1 Bank owned ATMs $	2.23	2.20	2.20	2.23
3.2 White Label ATMs $	0.36	0.33	0.36	0.36
4 Number of Micro ATMs @	16.11	10.72	14.66	14.96
5 Number of PoS Terminals	77.90	65.91	79.61	80.94
6 Bharat QR @	53.82	42.80	55.45	56.88
7 UPI QR *	2563.77	1952.91	2667.57	2720.15
@: New inclusion w.e.f. November 2019 #: Data reported by Co-operative Banks, LABs and RRBs included with effect from December 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. Part I-A. Settlement systems 1.1.3: Tri- party Repo under the securities segment has been operationalised from November 05, 2018. Part I-B. Payments systems 4.1.2: ‘Others’ includes e-commerce transactions and digital bill payments through ATMs, etc. 4.2.2: ‘Others’ includes e-commerce transactions, card to card transfers and digital bill payments through ATMs, etc. 5: Available from December 2010. 5.1: includes purchase of goods and services and fund transfer through wallets. 5.2.2: includes usage of PPI Cards for online transactions and other transactions. 6.1: Pertain to three grids – Mumbai, New Delhi and Chennai. 6.2: ‘Others’ comprises of Non-MICR transactions which pertains to clearing houses managed by 21 banks. Part II-A. Other payment channels 1: Mobile Payments – o Include transactions done through mobile apps of banks and UPI apps. o The data from July 2017 includes only individual payments and corporate payments initiated, processed, and authorised using mobile device. Other corporate payments which are not initiated, processed, and authorised using mobile device are excluded. 2: Internet Payments – includes only e-commerce transactions through ‘netbanking’ and any financial transaction using internet banking website of the bank. Part II-B. ATMs 3.3 and 4.2: only relates to transactions using bank issued PPIs. Part III. Payment systems infrastructure 3: Includes ATMs deployed by Scheduled Commercial Banks (SCBs) and White Label ATM Operators (WLAOs). WLAs are included from April 2014 onwards.