Payment System Indicators - June 2024 - ଆରବିଆଇ - Reserve Bank of India
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ପ୍ରକାଶିତ ତାରିଖ
Payment System Indicators - June 2024
Payment System Indicators | ||||||||
PART I - Payment System Indicators - Payment & Settlement System Statistics | ||||||||
Volume (lakh) | Value (₹ crore) | |||||||
FY 2023-24 | 2023 June |
2024 | 2024 | FY 2023-24 | 2023 June |
2024 | 2024 | |
May | June | May | June | |||||
1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
A. Settlement Systems | ||||||||
Financial Market Infrastructures (FMIs) | ||||||||
1 CCIL Operated Systems | 43.04 | 3.81 | 4.07 | 4.36 | 259206893 | 22638088 | 22018913 | 22580094 |
1.1 Govt. Securities Clearing | 16.80 | 1.54 | 1.60 | 1.60 | 170464587 | 15259736 | 14632648 | 15107943 |
1.1.1 Outright | 9.51 | 0.88 | 0.98 | 0.97 | 13463848 | 1299039 | 1363203 | 1372786 |
1.1.2 Repo | 4.94 | 0.45 | 0.43 | 0.42 | 76718788 | 7312076 | 6669493 | 6414226 |
1.1.3 Tri-party Repo | 2.35 | 0.21 | 0.19 | 0.21 | 80281951 | 6648621 | 6599952 | 7320931 |
1.2 Forex Clearing | 24.92 | 2.17 | 2.37 | 2.67 | 80984671 | 6854522 | 6780829 | 6953169 |
1.3 Rupee Derivatives @ | 1.31 | 0.10 | 0.10 | 0.09 | 7757636 | 523830 | 605436 | 518982 |
B. Payment Systems | ||||||||
I Financial Market Infrastructures (FMIs) | ||||||||
1 Credit Transfers - RTGS | 2700.16 | 212.30 | 249.71 | 231.84 | 170886670 | 14336617 | 15186947 | 16037694 |
1.1 Customer Transactions | 2686.04 | 211.10 | 248.49 | 230.72 | 152406168 | 12739932 | 13559606 | 14570686 |
1.2 Interbank Transactions | 14.12 | 1.20 | 1.22 | 1.12 | 18480503 | 1596685 | 1627340 | 1467008 |
II Retail | ||||||||
2 Credit Transfers - Retail | 1486106.89 | 106299.38 | 156773.59 | 155567.02 | 67542859 | 5151213 | 6279019 | 6073917 |
2.1 AePS (Fund Transfers) @ | 3.92 | 0.30 | 0.31 | 0.30 | 261 | 20 | 18 | 16 |
2.2 APBS $ | 25888.17 | 1875.41 | 2295.50 | 2929.34 | 390743 | 25772 | 37499 | 43676 |
2.3 IMPS | 60053.35 | 4681.02 | 5576.99 | 5167.51 | 6495652 | 500482 | 606167 | 577794 |
2.4 NACH Cr $ | 16227.27 | 1294.91 | 1074.61 | 1311.11 | 1525104 | 109983 | 132404 | 113888 |
2.5 NEFT | 72639.50 | 5097.12 | 7467.75 | 7307.34 | 39136014 | 3039491 | 3457995 | 3331461 |
2.6 UPI @ | 1311294.68 | 93350.61 | 140358.43 | 138851.42 | 19995086 | 1475464 | 2044937 | 2007081 |
2.6.1 of which USSD @ | 26.19 | 2.18 | 1.62 | 1.41 | 352 | 30 | 17 | 15 |
3 Debit Transfers and Direct Debits | 18249.53 | 1453.92 | 1698.67 | 1697.73 | 1687658 | 129549 | 167035 | 171469 |
3.1 BHIM Aadhaar Pay @ | 193.59 | 14.83 | 19.33 | 21.07 | 6112 | 487 | 506 | 581 |
3.2 NACH Dr $ | 16426.49 | 1296.38 | 1539.23 | 1544.59 | 1678769 | 128819 | 166305 | 170756 |
3.3 NETC (linked to bank account) @ | 1629.45 | 142.71 | 140.11 | 132.07 | 2777 | 243 | 225 | 132 |
4 Card Payments | 58469.79 | 4731.29 | 5105.17 | 5003.43 | 2423563 | 188284 | 208520 | 200081 |
4.1 Credit Cards | 35610.15 | 2629.05 | 3601.36 | 3579.49 | 1831134 | 137234 | 164955 | 158822 |
4.1.1 PoS based $ | 18614.08 | 1378.71 | 1906.58 | 1895.40 | 651911 | 48854 | 63831 | 59417 |
4.1.2 Others $ | 16996.08 | 1250.34 | 1694.78 | 1684.10 | 1179223 | 88380 | 101124 | 99405 |
4.2 Debit Cards | 22859.64 | 2102.24 | 1503.82 | 1423.94 | 592429 | 51049 | 43565 | 41259 |
4.2.1 PoS based $ | 16477.95 | 1499.66 | 1114.38 | 1063.60 | 393589 | 33778 | 29772 | 27630 |
4.2.2 Others $ | 6381.69 | 602.58 | 389.44 | 360.33 | 198840 | 17271 | 13793 | 13629 |
5 Prepaid Payment Instruments | 78775.40 | 6569.82 | 5496.00 | 5236.08 | 283048 | 23509 | 16697 | 15897 |
5.1 Wallets | 63256.69 | 5303.68 | 4204.49 | 4038.05 | 234353 | 19762 | 11566 | 11298 |
5.2 Cards | 15518.71 | 1266.13 | 1291.51 | 1198.03 | 48695 | 3747 | 5131 | 4599 |
5.2.1 PoS based $ | 8429.87 | 681.07 | 689.94 | 650.89 | 11247 | 1017 | 1027 | 946 |
5.2.2 Others $ | 7088.84 | 585.06 | 601.57 | 547.14 | 37447 | 2730 | 4104 | 3653 |
6 Paper-based Instruments | 6632.10 | 539.36 | 524.39 | 484.42 | 7212333 | 578306 | 611518 | 553834 |
6.1 CTS (NPCI Managed) | 6632.10 | 539.36 | 524.39 | 484.42 | 7212333 | 578306 | 611518 | 553834 |
6.2 Others | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Total Retail Payments (2+3+4+5+6) | 1648233.71 | 119593.76 | 169597.82 | 167988.69 | 79149461 | 6070861 | 7282789 | 7015198 |
Total Payments (1+2+3+4+5+6) | 1650933.88 | 119806.06 | 169847.53 | 168220.52 | 250036131 | 20407478 | 22469736 | 23052892 |
Total Digital Payments (1+2+3+4+5) | 1644301.78 | 119266.70 | 169323.14 | 167736.10 | 242823799 | 19829172 | 21858218 | 22499058 |
PART II - Payment Modes and Channels | ||||||||
Volume (lakh) | Value (₹ crore) | |||||||
FY 2023-24 | 2023 June |
2024 | 2024 | FY 2023-24 | 2023 June |
2024 | 2024 | |
May | June | May | June | |||||
1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
A. Other Payment Channels | ||||||||
1 Mobile Payments (mobile app based) | 1252599.21 | 88097.74 | 134522.56 | 133652.25 | 30687088 | 2243152 | 3126322 | 3046393 |
1.1 Intra-bank $ | 83000.56 | 6145.85 | 9224.51 | 8682.06 | 5676805 | 416271 | 585196 | 559035 |
1.2 Inter-bank $ | 1169598.65 | 81951.89 | 125298.05 | 124970.19 | 25010283 | 1826881 | 2541125 | 2487357 |
2 Internet Payments (Netbanking / internet browser based) @ | 45034.98 | 3566.29 | 3771.12 | 3714.13 | 102117736 | 8354717 | 8705212 | 9501615 |
2.1 Intra-bank @ | 12033.28 | 929.63 | 1010.25 | 1026.53 | 53247042 | 4456179 | 4276566 | 4875740 |
2.2 Inter-bank @ | 33001.71 | 2636.66 | 2760.86 | 2687.59 | 48870694 | 3898539 | 4428645 | 4625875 |
B. ATMs | ||||||||
3. Cash Withdrawal at ATMs $ | 66440.72 | 5577.45 | 5166.41 | 5076.57 | 3259388 | 274070 | 260240 | 255229 |
3.1 Using Credit Cards $ | 95.80 | 7.43 | 8.63 | 8.29 | 4648 | 352 | 441 | 426 |
3.2 Using Debit Cards $ | 66001.01 | 5540.43 | 5133.52 | 5045.81 | 3241538 | 272643 | 258785 | 253844 |
3.3 Using Pre-paid Cards $ | 343.90 | 29.58 | 24.26 | 22.47 | 13202 | 1074 | 1014 | 959 |
4. Cash Withdrawal at PoS $ | 15.18 | 2.29 | 0.33 | 0.28 | 148 | 23 | 3 | 3 |
4.1 Using Debit Cards $ | 15.06 | 2.29 | 0.31 | 0.27 | 147 | 23 | 3 | 3 |
4.2 Using Pre-paid Cards $ | 0.12 | 0.01 | 0.02 | 0.02 | 1 | 0 | 0 | 0 |
5. Cash Withdrawal at Micro ATMs @ | 11754.95 | 943.77 | 879.79 | 973.79 | 314003 | 25991 | 22804 | 24426 |
5.1 AePS @ | 11754.95 | 943.77 | 879.79 | 973.79 | 314003 | 25991 | 22804 | 24426 |
PART III - Payment Infrastructures (lakh) | ||||
As on March 2024 | 2023 June |
2024 | 2024 | |
May | June | |||
1 | 2 | 3 | 4 | |
Payment System Infrastructures | ||||
1 Number of Cards | 10667.22 | 10645.15 | 10780.74 | 10835.23 |
1.1 Credit Cards | 1018.03 | 886.82 | 1033.00 | 1038.13 |
1.2 Debit Cards | 9649.19 | 9758.33 | 9747.74 | 9797.10 |
2 Number of PPIs @ | 16743.63 | 16709.14 | 14840.92 | 15051.30 |
2.1 Wallets @ | 13381.80 | 13409.30 | 11302.14 | 11375.61 |
2.2 Cards @ | 3361.82 | 3299.84 | 3538.78 | 3675.69 |
3 Number of ATMs and CRMs | 2.58 | 2.59 | 2.57 | 2.56 |
3.1 Bank owned ATMs$ and CRMs# | 2.23 | 2.23 | 2.22 | 2.21 |
3.2 White Label ATMs $ | 0.35 | 0.36 | 0.36 | 0.35 |
4 Number of Micro ATMs @ | 17.55 | 14.96 | 15.62 | 15.18 |
5 Number of PoS Terminals | 89.03 | 80.94 | 88.04 | 89.67 |
6 Bharat QR @ | 62.50 | 56.88 | 61.21 | 61.64 |
7 UPI QR * | 3462.03 | 2720.15 | 3299.47 | 3401.24 |
PART IV - Payment Modes and Channels (International) | ||||
Details of International transactions done using cards (credit, debit and PPI) issued in India | ||||
Volume (lakh) | Value (₹ crore) | |||
2024 | 2024 | 2024 | 2024 | |
May | June | May | June | |
1. Card Payments | 117.22 | 116.45 | 9649 | 9547 |
1.1 Credit Cards | 76.62 | 77.19 | 7276 | 7222 |
1.1.1 PoS based | 33.44 | 35.17 | 2466 | 2695 |
1.1.2 Online | 43.18 | 42.02 | 4809 | 4527 |
1.2 Debit Cards | 40.60 | 39.26 | 2374 | 2325 |
1.2.1 PoS based | 19.40 | 18.87 | 928 | 955 |
1.2.2 Online | 21.20 | 20.39 | 1446 | 1370 |
2. Prepaid Payment Instruments | 37.82 | 38.97 | 1585 | 1691 |
2.1 PoS based | 33.48 | 34.81 | 1306 | 1434 |
2.2 Online | 4.35 | 4.16 | 280 | 258 |
3. Cash Withdrawal at ATMs | 7.11 | 6.71 | 1662 | 1711 |
3.1 Using Credit Cards | 0.45 | 0.48 | 81 | 99 |
3.2 Using Debit Cards | 4.65 | 4.21 | 898 | 872 |
3.3 Using PPIs | 2.01 | 2.01 | 683 | 740 |
Total International Payments | 162.16 | 162.13 | 12897 | 12949 |
PART V - Domestic Payment Frauds | ||||
Volume (Lakh) | Value (Crore) | One in every X payment transaction fraudulent | FTS (Fraud / Payment Value * 10000) | |
September 2022 | 1.71 | 249 | 58177.41 | 0.127 bps |
October 2022 | 1.79 | 220 | 59533.35 | 0.127 bps |
November 2022 | 2.06 | 257 | 50620.69 | 0.143 bps |
December 2022 | 1.54 | 204 | 72426.75 | 0.103 bps |
January 2023 | 1.57 | 195 | 71681.44 | 0.106 bps |
February 2023 | 2.29 | 317 | 47018.00 | 0.177 bps |
March 2023 | 2.25 | 333 | 53907.48 | 0.142 bps |
April 2023 | 1.75 | 273 | 68927.36 | 0.152 bps |
May 2023 | 2.03 | 285 | 63051.71 | 0.147 bps |
June 2023 | 1.74 | 265 | 72554.96 | 0.128 bps |
July 2023 | 2.24 | 286 | 59898.87 | 0.146 bps |
August 2023 | 2.40 | 320 | 58391.71 | 0.157 bps |
September 2023 | 2.52 | 366 | 55057.76 | 0.174 bps |
October 2023 | 2.23 | 335 | 66950.05 | 0.164 bps |
November 2023 | 2.57 | 428 | 57618.81 | 0.209 bps |
December 2023 | 2.92 | 432 | 53327.09 | 0.187 bps |
January 2024 | 2.69 | 435 | 56335.82 | 0.207 bps |
February 2024 | 2.57 | 507 | 61162.60 | 0.231 bps |
March 2024 | 2.57 | 471 | 67394.38 | 0.177 bps |
April 2024 | 2.38 | 414 | 70681.81 | 0.191 bps |
May 2024 | 2.81 | 545 | 62637.44 | 0.240 bps |
June 2024 | 2.36 | 480 | 73786.50 | 0.206 bps |
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. 5. Data on domestic payment fraud statistics as reported by Scheduled Commercial Banks (excluding RRBs), Non-bank PPI issuers and Non-bank Credit Card issuers in CPFIR (Central Payments Fraud Information Registry). 6. Data does not include attempts to perpetrate frauds. |
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