Payment System Indicators - December 2021 (Revised) - ആർബിഐ - Reserve Bank of India
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പ്രസിദ്ധീകരിച്ചത്
Payment System Indicators - December 2021 (Revised)
| PART I - Payment System Indicators - Payment & Settlement System Statistics | ||||||||
|---|---|---|---|---|---|---|---|---|
| Volume (lakh) | Value (₹ crore) | |||||||
| FY 2020-21 | 2020 December | 2021 | 2021 | FY 2020-21 | 2020 December | 2021 | 2021 | |
| November | December | November | December | |||||
| 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
| A. Settlement Systems | ||||||||
| Financial Market Infrastructures (FMIs) | ||||||||
| 1 CCIL Operated Systems | 27.97 | 2.62 | 2.56 | 3.13 | 161943141 | 15757032 | 17364381 | 20703988 |
| 1.1 Govt. Securities Clearing | 11.55 | 1.00 | 0.97 | 1.10 | 110634315 | 10816866 | 12229072 | 14801512 |
| 1.1.1 Outright | 6.28 | 0.51 | 0.46 | 0.48 | 10032187 | 772886 | 617831 | 651103 |
| 1.1.2 Repo | 2.84 | 0.25 | 0.26 | 0.30 | 43751173 | 4089804 | 4273958 | 5075401 |
| 1.1.3 Tri-party Repo | 2.43 | 0.24 | 0.25 | 0.31 | 56850956 | 5954176 | 7337283 | 9075009 |
| 1.2 Forex Clearing | 16.04 | 1.58 | 1.53 | 1.96 | 48903961 | 4651382 | 4816873 | 5516604 |
| 1.3 Rupee Derivatives @ | 0.38 | 0.04 | 0.06 | 0.07 | 2404865 | 288785 | 318437 | 385873 |
| B. Payment Systems | ||||||||
| I Financial Market Infrastructures (FMIs) | ||||||||
| 1 Credit Transfers - RTGS | 1591.92 | 163.48 | 172.14 | 192.78 | 105599849 | 10659120 | 10981778 | 12966991 |
| 1.1 Customer Transactions | 1573.47 | 161.72 | 170.95 | 191.50 | 91008367 | 9058136 | 9589985 | 11418233 |
| 1.2 Interbank Transactions | 18.45 | 1.75 | 1.19 | 1.29 | 14591482 | 1600984 | 1391793 | 1548758 |
| II Retail | ||||||||
| 2 Credit Transfers - Retail | 317867.74 | 31735.79 | 51855.52 | 56422.79 | 33504226 | 3393355 | 3552986 | 4076395 |
| 2.1 AePS (Fund Transfers) @ | 11.31 | 1.03 | 0.62 | 0.65 | 623 | 61 | 35 | 36 |
| 2.2 APBS $ | 14372.99 | 1018.90 | 1119.16 | 1082.20 | 111001 | 8180 | 9750 | 14987 |
| 2.3 IMPS | 32783.47 | 3556.93 | 4120.29 | 4429.86 | 2941500 | 292325 | 364672 | 396411 |
| 2.4 NACH Cr $ | 16465.44 | 1741.20 | 1356.65 | 1483.71 | 1216535 | 118309 | 95602 | 113132 |
| 2.5 NEFT | 30927.89 | 3076.15 | 3394.00 | 3763.38 | 25130910 | 2558304 | 2314490 | 2724980 |
| 2.6 UPI @ | 223306.64 | 22341.58 | 41864.80 | 45662.99 | 4103658 | 416176 | 768436 | 826848 |
| 2.6.1 of which USSD @ | 10.45 | 0.88 | 1.00 | 1.12 | 172 | 14 | 15 | 16 |
| 3 Debit Transfers and Direct Debits | 10456.54 | 922.53 | 1031.91 | 1064.54 | 865520 | 81871 | 87212 | 91163 |
| 3.1 BHIM Aadhaar Pay @ | 160.84 | 8.90 | 19.78 | 19.59 | 2580 | 187 | 536 | 611 |
| 3.2 NACH Dr $ | 9645.75 | 840.43 | 900.10 | 937.92 | 862027 | 81576 | 86517 | 90426 |
| 3.3 NETC (linked to bank account) @ | 649.96 | 73.21 | 112.03 | 107.03 | 913 | 108 | 158 | 126 |
| 4 Card Payments | 57,786.60 | 5,502.88 | 5,418.18 | 5,611.80 | 12,91,799 | 1,28,665 | 1,56,326 | 1,60,398 |
| 4.1 Credit Cards | 17,641.06 | 1,737.79 | 2,011.16 | 2,112.59 | 6,30,414 | 63,487 | 89,217 | 93,907 |
| 4.1.1 PoS based $ | 8688.81 | 914.20 | 1068.93 | 1093.48 | 280769 | 28961 | 37498.79 | 36712.65 |
| 4.1.2 Others $ | 8952.25 | 823.59 | 942.23 | 1019.10 | 349645 | 34526 | 51718.05 | 57194.58 |
| 4.2 Debit Cards | 40,145.54 | 3,765.09 | 3,407.02 | 3,499.21 | 661385 | 65178 | 67109 | 66491 |
| 4.2.1 PoS based $ | 20773.50 | 2165.50 | 2112.04967 | 2202.51 | 377630 | 39437 | 43751 | 43062.3 |
| 4.2.2 Others $ | 19372.04 | 1599.59 | 1294.96723 | 1296.71 | 283755 | 25741 | 23358 | 23428.74 |
| 5 Prepaid Payment Instruments | 49,742.55 | 4,372.11 | 6,107.23 | 7,008.24 | 197696 | 18153 | 25583 | 26896 |
| 5.1 Wallets | 39987.01 | 3521.48 | 4870.19 | 5661.02 | 152065 | 13392 | 21041 | 21220 |
| 5.2 Cards | 9,755.54 | 850.63 | 1,237.04 | 1,347.22 | 45631 | 4761 | 4542 | 5676 |
| 5.2.1 PoS based $ | 607.15 | 58.15 | 74.48 | 99.63 | 10591 | 1107 | 1287 | 1893 |
| 5.2.2 Others $ | 9148.39 | 792.48 | 1162.56 | 1247.59 | 35040 | 3654 | 3255 | 3784 |
| 6 Paper-based Instruments | 6,703.70 | 719.40 | 577.00 | 660.33 | 5627189 | 618015 | 533223 | 640955 |
| 6.1 CTS (NPCI Managed) | 6702.53 | 719.40 | 577.00 | 660.33 | 5625941 | 618015 | 533223 | 640955 |
| 6.2 Others | 1.17 | 0.00 | 0.00 | 0.00 | 1249 | 0 | 0 | 0 |
| Total - Retail Payments (2+3+4+5+6) | 4,42,557.14 | 43,252.72 | 64,989.84 | 70,767.70 | 41486430 | 4240059 | 4355330 | 4995808 |
| Total Payments (1+2+3+4+5+6) | 4,44,149.06 | 43,416.20 | 65,161.97 | 70,960.48 | 147086278 | 14899180 | 15337108 | 17962798 |
| Total Digital Payments (1+2+3+4+5) | 4,37,445.36 | 42,696.80 | 64,584.97 | 70,300.15 | 141459089 | 14281164 | 14803885 | 17321843 |
| PART II - Payment Modes and Channels | ||||||||
|---|---|---|---|---|---|---|---|---|
| Volume (lakh) | Value (₹ crore) | |||||||
| FY 2020-21 | 2020 December | 2021 | 2021 | FY 2020-21 | 2020 December | 2021 | 2021 | |
| November | December | November | December | |||||
| 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
| A. Other Payment Channels | ||||||||
| 1 Mobile Payments (mobile app based) | 2,58,033.70 | 25,296.64 | 45,548.53 | 49,877.80 | 92,01,212 | 9,01,655 | 13,24,008 | 14,33,961 |
| 1.1 Intra-bank $ | 25,220.71 | 2,183.03 | 3,732.97 | 3,927.19 | 18,71,390 | 1,74,603 | 2,39,989 | 2,54,443 |
| 1.2 Inter-bank $ | 2,32,812.99 | 23,113.62 | 41,815.57 | 45,950.61 | 73,29,822 | 7,27,052 | 10,84,018 | 11,79,518 |
| 2 Internet Payments (Netbanking / internet browser based) @ | 32,493.63 | 3,147.85 | 2,860.67 | 3,117.10 | 4,15,81,497 | 40,79,472 | 39,37,877 | 45,31,114 |
| 2.1 Intra-bank @ | 6,886.15 | 637.64 | 570.26 | 611.14 | 2,06,01,554 | 19,34,396 | 17,88,978 | 20,82,236 |
| 2.2 Inter-bank @ | 25,607.48 | 2,510.20 | 2,290.41 | 2,505.96 | 2,09,79,943 | 21,45,077 | 21,48,899 | 24,48,878 |
| B. ATMs | ||||||||
| 3. Cash Withdrawal at ATMs $ | 60,905.81 | 5,680.37 | 5,691.73 | 5,928.20 | 28,89,826 | 2,66,709 | 2,71,730 | 2,80,372 |
| 3.1 Using Credit Cards $ | 51.41 | 5.01 | 5.45 | 5.90 | 2560 | 246 | 276 | 295.21 |
| 3.2 Using Debit Cards $ | 60602.23 | 5650.86 | 5657.83 | 5893.54 | 2878025 | 265569 | 270515 | 279099.68 |
| 3.3 Using Pre-paid Cards $ | 252.17 | 24.51 | 28.44 | 28.76 | 9240 | 893 | 939 | 977 |
| 4. Cash Withdrawal at PoS $ | 394.77 | 39.89 | 4.82 | 3.89 | 1533 | 149 | 63 | 42 |
| 4.1 Using Debit Cards $ | 353.50 | 34.53 | 4.14 | 3.71 | 1484 | 142 | 39 | 34.61 |
| 4.2 Using Pre-paid Cards $ | 41.27 | 5.37 | 0.68 | 0.18 | 49 | 6 | 24 | 7 |
| 5. Cash Withdrawal at Micro ATMs @ | 9460.43 | 715.03 | 925.63 | 940.20 | 225420 | 19671 | 25112 | 25208 |
| 5.1 AePS @ | 9460.43 | 715.03 | 925.63 | 940.20 | 225420 | 19671 | 25112 | 25208 |
| PART III - Payment Infrastructures (lakh) | ||||
|---|---|---|---|---|
| As on March 2021 | 2020 December | 2021 | 2021 | |
| November | December | |||
| 1 | 2 | 3 | 4 | |
| Payment System Infrastructures | ||||
| 1 Number of Cards | 9,602.51 | 9,460.57 | 10,015.90 | 10,066.90 |
| 1.1 Credit Cards | 620.49 | 603.97 | 675.83 | 689.49 |
| 1.2 Debit Cards | 8,982.02 | 8,856.60 | 9340.07 | 9377.42 |
| 2 Number of PPIs @ | 21,952.60 | 20,819.05 | 25,918.94 | 26,426.15 |
| 2.1 Wallets @ | 20,052.10 | 19,156.35 | 23,408.81 | 23,828.54 |
| 2.2 Cards @ | 1,900.51 | 1,662.70 | 2,510.13 | 2,597.62 |
| 3 Number of ATMs and CRMs | 2.39 | 2.33 | 2.42 | 2.49 |
| 3.1 Bank owned ATMs $ and CRMs# | 2.14 | 2.08 | 2.13 | 2.19 |
| 3.2 White Label ATMs $ | 0.25 | 0.25 | 0.29 | 0.30 |
| 4 Number of Micro ATMs @ | 4.04 | 3.56 | 5.57 | 5.91 |
| 5 Number of PoS Terminals | 47.20 | 45.85 | 52.92 | 54.98 |
| 6 Bharat QR @ | 35.70 | 32.00 | 45.41 | 46.47 |
| 7 UPI QR * | 925.22 | 752.31 | 1373.33 | 1440.10 |
| @: New inclusion w.e.f. November 2019 #: Data reported by Co-operative Banks, LABs and RRBs included with effect from Dec 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. |
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