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	Aug.	Jul.	Aug.	FY 2022-23	Aug.	Jul.	Aug.
	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	3.30	3.83	3.83	258797336	20028644	21113033	21796085
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3)	15.00	1.33	1.53	1.46	172251292	13493765	14338395	14374901
1.1.1 Outright	7.99	0.75	0.87	0.82	10090700	888832	1200245	1075273
1.1.2 Repo	4.07	0.32	0.46	0.44	68032487	5251883	6722022	6265271
1.1.3 Tri-party Repo	2.94	0.25	0.20	0.20	94128105	7353051	6416128	7034358
1.2 Forex Clearing	25.16	1.89	2.17	2.23	78932050	5970122	5937050	6636448
1.3 Rupee Derivatives @	1.27	0.09	0.13	0.14	7613994	564757	837588	784735
B. Payment Systems
I Financial Market Infrastructures (FMIs)	-	-	-	-	-	-	-	-
1 Credit Transfers - RTGS (1.1 to 1.2)	2425.62	188.08	211.89	218.08	149946286	11665583	13124561	13742007
1.1 Customer Transactions	2411.19	186.92	210.72	216.88	131667176	10274480	11615417	12202747
1.2 Interbank Transactions	14.43	1.16	1.17	1.20	18279111	1391103	1509144	1539260
II Retail
2 Credit Transfers - Retail (2.1 to 2.6)	983620.84	77757.95	114189.63	119823.49	55009620	4288963	5250943	5374181
2.1 AePS (Fund Transfers) @	5.90	0.54	0.32	0.34	356	30	22	22
2.2 APBS $	17833.95	1162.46	2850.05	1791.92	247535	9662	45524	20129
2.3 IMPS	56532.64	4669.09	4897.10	4891.65	5585441	445989	512312	514280
2.4 NACH Cr $	19257.19	1940.04	1322.80	1627.49	1541815	128480	110184	128612
2.5 NEFT	52847.43	4166.76	5476.79	5651.92	33719541	2631639	3049364	3134602
2.6 UPI @	837143.73	65819.06	99642.56	105860.16	13914932	1073162	1533536	1576537
2.6.1 of which USSD @	17.21	1.63	2.77	2.60	197	17	43	41
3 Debit Transfers and Direct Debits (3.1 to 3.3)	15343.05	1247.15	1473.10	1522.83	1289611	102824	130931	135193
3.1 BHIM Aadhaar Pay @	214.22	17.57	14.42	13.96	6791	516	457	416
3.2 NACH Dr $	13502.52	1097.38	1327.06	1374.16	1280219	102100	130240	134543
3.3 NETC (linked to bank account) @	1626.31	132.20	131.62	134.72	2601	209	233	234
4 Card Payments (4.1 to 4.2)	63324.72	5481.30	4872.12	4981.95	2152245	174516	198050	201292
4.1 Credit Cards (4.1.1 to 4.1.2)	29145.24	2447.83	2770.81	2905.78	1432255	112358	144737	148602
4.1.1 PoS based $	15598.46	1330.54	1428.18	1520.79	541932	44943	49628	52961
4.1.2 Others $	13546.79	1117.30	1342.63	1384.99	890323	67414	95108	95641
4.2 Debit Cards (4.2.1 to 4.2.1 )	34179.48	3033.47	2101.31	2076.18	719989	62159	53313	52690
4.2.1 PoS based $	22904.86	2009.83	1485.21	1495.96	476520	40552	33513	34615
4.2.2 Others $	11274.61	1023.64	616.10	580.22	243470	21606	19801	18075
5 Prepaid Payment Instruments (5.1 to 5.2)	74667.44	6177.69	6393.08	6366.80	287111	24625	23238	23669
5.1 Wallets	59112.76	4877.42	5045.31	5041.90	221896	18495	19724	19987
5.2 Cards (5.2.1 to 5.2.2)	15554.69	1300.27	1347.78	1324.90	65215	6131	3514	3682
5.2.1 PoS based $	1013.09	83.90	725.68	742.19	14777	1177	782	862
5.2.2 Others $	14541.60	1216.37	622.10	582.71	50438	4953	2732	2820
6 Paper-based Instruments (6.1 to 6.2)	7109.28	576.17	555.48	565.42	7172904	547503	587310	593323
6.1 CTS (NPCI Managed)	7109.28	576.17	555.48	565.42	7172904	547503	587310	593323
6.2 Others	0.00	–	–	–	–	–	–	–
Total - Retail Payments (2+3+4+5+6)	1144065.34	91240.25	127483.42	133260.50	65911490	5138432	6190470	6327659
Total Payments (1+2+3+4+5+6)	1146490.96	91428.33	127695.31	133478.58	215857776	16804015	19315032	20069666
Total Digital Payments (1+2+3+4+5)	1139381.68	90852.16	127139.83	132913.16	208684872	16256512	18727722	19476343

PART II - Payment Modes and Channels
System	Volume (Lakh)				Value (₹ Crore)
	FY 2022-23	2022	2023		FY 2022-23	2022	2023
	FY 2022-23	Aug.	Jul.	Aug.	FY 2022-23	Aug.	Jul.	Aug.
	1	2	3	4	5	6	7	8
A. Other Payment Channels
1 Mobile Payments (mobile app based) (1.1 to 1.2)	805338.23	65313.24	93340.31	97611.71	22031628	1742250	2316954	2370838
1.1 Intra-bank $	62306.61	6590.62	6400.03	6553.01	4191430	363857	428279	439914
1.2 Inter-bank $	743031.61	58722.63	86940.28	91058.70	17840197	1378393	1888674	1930924
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2)	42630.64	3529.19	3938.95	3790.98	91539296	7342636	8157864	8295085
2.1 Intra-bank @	10703.78	932.41	1107.74	1033.68	53506133	4304970	4353820	4490488
2.2 Inter-bank @	31926.86	2596.78	2831.21	2757.30	38033163	3037666	3804045	3804596
B. ATMs
3 Cash Withdrawal at ATMs $ (3.1 to 3.3)	69468.87	5766.61	5590.93	5723.39	3305008	268788	269297	273107
3.1 Using Credit Cards $	88.37	7.46	7.56	8.09	4296	359	356	383
3.2 Using Debit Cards $	68975.18	5723.84	5553.98	5685.19	3286749	267289	267870	271612
3.3 Using Pre-paid Cards $	405.32	35.31	29.39	30.12	13963	1141	1071	1112
4 Cash Withdrawal at PoS $ (4.1 to 4.2)	27.73	2.19	2.23	1.26	278	21	22	12
4.1 Using Debit Cards $	27.41	2.16	2.23	1.25	276	21	22	12
4.2 Using Pre-paid Cards $	0.33	0.03	0.01	0.01	2	0	0	0
5 Cash Withrawal at Micro ATMs @	12375.16	1061.82	1078.92	1055.42	333966	26193	28950	27023
5.1 AePS @	12375.16	1061.82	1078.92	1055.42	333966	26193	28950	27023

PART III - Payment Infrastructures (Lakh)
System	As on March 2023	2022	2023
	As on March 2023	Aug.	Jul.	Aug.
	1	2	3	4
Payment System Infrastructures
1 Number of Cards (1.1 to 1.2)	10465.62	10130.17	10606.14	10693.35
1.1 Credit Cards	853.03	779.91	898.73	912.78
1.2 Debit Cards	9612.59	9350.26	9707.41	9780.57
2 Number of PPIs @ (2.1 to 2.2)	16185.22	15679.00	16646.89	16625.74
2.1 Wallets @	13384.65	12948.75	13513.24	13328.60
2.2 Cards @	2800.57	2730.25	3133.65	3297.15
3 Number of ATMs (3.1 to 3.2)	2.59	2.54	2.59	2.60
3.1 Bank owned ATMs $	2.23	2.20	2.24	2.25
3.2 White Label ATMs $	0.36	0.34	0.36	0.35
4 Number of Micro ATMs @	16.11	11.71	15.37	15.29
5 Number of PoS Terminals	77.90	70.58	81.23	82.47
6 Bharat QR @	53.82	47.49	58.06	58.99
7 UPI QR *	2563.77	2092.54	2807.25	2881.64
@: 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.