Payment System Indicators - January 2024 - ਆਰਬੀਆਈ - Reserve Bank of India
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Payment System Indicators - January 2024
Payment System Indicators | ||||||||
PART I - Payment System Indicators - Payment & Settlement System Statistics | ||||||||
Volume (lakh) | Value (₹ crore) | |||||||
FY 2022-23 | 2023 January |
2023 | 2024 | FY 2022-23 | 2023 January |
2023 | 2024 | |
December | January | December | January | |||||
1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
A. Settlement Systems | ||||||||
Financial Market Infrastructures (FMIs) | ||||||||
1 CCIL Operated Systems | 41.44 | 3.66 | 3.41 | 3.74 | 258797336 | 21571346 | 22228644 | 21705635 |
1.1 Govt. Securities Clearing | 15.00 | 1.17 | 1.29 | 1.42 | 172251292 | 14383734 | 14220985 | 14658627 |
1.1.1 Outright | 7.99 | 0.60 | 0.69 | 0.79 | 10090700 | 785714 | 1009116 | 1100547 |
1.1.2 Repo | 4.07 | 0.35 | 0.40 | 0.43 | 68032487 | 5556922 | 5903343 | 6039056 |
1.1.3 Tri-party Repo | 2.94 | 0.21 | 0.20 | 0.21 | 94128105 | 8041098 | 7308526 | 7519024 |
1.2 Forex Clearing | 25.16 | 2.40 | 2.01 | 2.21 | 78932050 | 6553596 | 7392675 | 6439543 |
1.3 Rupee Derivatives @ | 1.27 | 0.10 | 0.11 | 0.11 | 7613994 | 634016 | 614984 | 607465 |
B. Payment Systems | ||||||||
I Financial Market Infrastructures (FMIs) | ||||||||
1 Credit Transfers - RTGS | 2425.62 | 204.18 | 230.39 | 230.99 | 149946286 | 12546467 | 15888778 | 14691625 |
1.1 Customer Transactions | 2411.19 | 202.99 | 229.23 | 229.79 | 131667176 | 11028450 | 14244586 | 13127720 |
1.2 Interbank Transactions | 14.43 | 1.19 | 1.16 | 1.20 | 18279111 | 1518016 | 1644192 | 1563905 |
II Retail | ||||||||
2 Credit Transfers - Retail | 983620.84 | 92396.07 | 134755.92 | 137068.03 | 55009620 | 4738328 | 5917191 | 5945126 |
2.1 AePS (Fund Transfers) @ | 5.90 | 0.32 | 0.32 | 0.36 | 356 | 23 | 23 | 24 |
2.2 APBS $ | 17833.95 | 1112.35 | 1580.49 | 2118.74 | 247535 | 19956 | 27013 | 42872 |
2.3 IMPS | 56532.64 | 4745.08 | 4987.93 | 5087.92 | 5585441 | 477491 | 570126 | 566310 |
2.4 NACH Cr $ | 19257.19 | 1354.13 | 1310.99 | 948.05 | 1541815 | 131620 | 128244 | 127514 |
2.5 NEFT | 52847.43 | 4798.31 | 6673.93 | 6882.78 | 33719541 | 2810180 | 3368836 | 3367322 |
2.6 UPI @ | 837143.73 | 80385.88 | 120202.26 | 122030.18 | 13914932 | 1299059 | 1822949 | 1841084 |
2.6.1 of which USSD @ | 17.21 | 1.79 | 2.06 | 1.90 | 197 | 19 | 26 | 21 |
3 Debit Transfers and Direct Debits | 15343.05 | 1360.36 | 1557.74 | 1571.50 | 1289611 | 115658 | 152705 | 154405 |
3.1 BHIM Aadhaar Pay @ | 214.22 | 13.01 | 14.09 | 18.82 | 6791 | 468 | 478 | 619 |
3.2 NACH Dr $ | 13502.52 | 1202.79 | 1403.46 | 1440.08 | 1280219 | 114953 | 151991 | 153564 |
3.3 NETC (linked to bank account) @ | 1626.31 | 144.56 | 140.19 | 112.60 | 2601 | 236 | 237 | 222 |
4 Card Payments | 63324.72 | 5103.61 | 4983.15 | 4935.80 | 2152245 | 183460 | 213054 | 211930 |
4.1 Credit Cards | 29145.24 | 2593.52 | 3215.00 | 3289.52 | 1432255 | 127682 | 165119 | 166444 |
4.1.1 PoS based $ | 15598.46 | 1409.19 | 1706.70 | 1725.59 | 541932 | 48934 | 58300 | 58532 |
4.1.2 Others $ | 13546.79 | 1184.33 | 1508.29 | 1563.93 | 890323 | 78748 | 106819 | 107912 |
4.2 Debit Cards | 34179.48 | 2510.09 | 1768.16 | 1646.29 | 719989 | 55778 | 47935 | 45486 |
4.2.1 PoS based $ | 22904.86 | 1742.51 | 1301.59 | 1193.18 | 476519.55 | 37520.43 | 32225.35 | 30383 |
4.2.2 Others $ | 11274.61 | 767.59 | 466.56 | 453.11 | 243469.72 | 18257.53 | 15709.17 | 15103 |
5 Prepaid Payment Instruments | 74667.44 | 6129.40 | 7235.20 | 7087.25 | 287111 | 22193 | 26173 | 25784 |
5.1 Wallets | 59112.76 | 4873.96 | 5960.57 | 5766.67 | 221895.88 | 17899.13 | 21731.62 | 21259 |
5.2 Cards | 15554.69 | 1255.44 | 1274.63 | 1320.58 | 65215 | 4294 | 4441 | 4525 |
5.2.1 PoS based $ | 1013.09 | 64.59 | 709.65 | 690.67 | 14777 | 774 | 915 | 927 |
5.2.2 Others $ | 14541.60 | 1190.86 | 564.98 | 629.91 | 50438 | 3520 | 3526 | 3598 |
6 Paper-based Instruments | 7109.28 | 573.18 | 547.23 | 547.17 | 7172904 | 570639 | 592972 | 583653 |
6.1 CTS (NPCI Managed) | 7109.28 | 573.18 | 547.23 | 547.17 | 7172904 | 570639 | 592972 | 583653 |
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) | 1144065.34 | 105562.62 | 149079.24 | 151209.76 | 65911490 | 5630279 | 6902095 | 6920898 |
Total Payments (1+2+3+4+5+6) | 1146490.96 | 105766.80 | 149309.63 | 151440.75 | 215857776 | 18176745 | 22790873 | 21612523 |
Total Digital Payments (1+2+3+4+5) | 1139381.68 | 105193.62 | 148762.40 | 150893.58 | 208684872 | 17606106 | 22197901 | 21028871 |
PART II - Payment Modes and Channels | ||||||||
Volume (lakh) | Value (₹ crore) | |||||||
FY 2022-23 | 2023 January |
2023 | 2024 | FY 2022-23 | 2023 January |
2023 | 2024 | |
December | January | December | January | |||||
1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
A. Other Payment Channels | ||||||||
1 Mobile Payments (mobile app based) | 805338.23 | 75947.75 | 116329.75 | 117903.61 | 22031628 | 1962895 | 2804467 | 2816377 |
1.1 Intra-bank $ | 62306.61 | 4884.25 | 7372.04 | 7654.37 | 4191430.04 | 345334.11 | 508669.04 | 524854 |
1.2 Inter-bank $ | 743031.61 | 71063.50 | 108957.71 | 110249.24 | 17840197.48 | 1617560.80 | 2295798.41 | 2291522 |
2 Internet Payments (Netbanking / internet browser based) @ | 42630.64 | 3544.67 | 3836.26 | 3837.71 | 91539296 | 7327328 | 9388620 | 9123993 |
2.1 Intra-bank @ | 10703.78 | 889.79 | 1050.96 | 1024.85 | 53506133 | 4089462 | 4862569.71 | 4760851 |
2.2 Inter-bank @ | 31926.86 | 2654.88 | 2785.31 | 2812.86 | 38033163 | 3237866 | 4526051 | 4363142 |
B. ATMs | ||||||||
3. Cash Withdrawal at ATMs $ | 69468.87 | 5750.37 | 5463.60 | 5304.00 | 3305008 | 272142 | 269288 | 260647 |
3.1 Using Credit Cards $ | 88.37 | 8.13 | 8.19 | 8.26 | 4296.35 | 385.50 | 404.96 | 404 |
3.2 Using Debit Cards $ | 68975.18 | 5709.48 | 5428.47 | 5270.18 | 3286748.70 | 270595.34 | 267842.50 | 259227 |
3.3 Using Pre-paid Cards $ | 405.32 | 32.76 | 26.94 | 25.56 | 13963.30 | 1161.48 | 1041.03 | 1016 |
4. Cash Withdrawal at PoS $ | 27.73 | 2.44 | 0.66 | 0.65 | 278 | 24 | 6 | 6 |
4.1 Using Debit Cards $ | 27.41 | 2.42 | 0.66 | 0.64 | 276 | 24 | 6 | 6 |
4.2 Using Pre-paid Cards $ | 0.33 | 0.02 | 0.00 | 0.02 | 2 | 0 | 0 | 0 |
5. Cash Withdrawal at Micro ATMs @ | 12375.16 | 963.46 | 929.51 | 839.66 | 333966 | 26203 | 24592 | 22351 |
5.1 AePS @ | 12375.16 | 963.46 | 929.51 | 839.66 | 333966 | 26203 | 24592 | 22351 |
PART III - Payment Infrastructures (lakh) | ||||
As on March 2023 | 2023 January |
2023 | 2024 | |
December | January | |||
1 | 2 | 3 | 4 | |
Payment System Infrastructures | ||||
1 Number of Cards | 10465.62 | 10280.33 | 10587.85 | 10570.66 |
1.1 Credit Cards | 853.03 | 824.52 | 979.05 | 995.00 |
1.2 Debit Cards | 9612.59 | 9455.81 | 9608.81 | 9575.65 |
2 Number of PPIs @ | 16185.22 | 16029.29 | 17544.34 | 17676.26 |
2.1 Wallets @ | 13384.65 | 13244.34 | 14293.01 | 14396.94 |
2.2 Cards @ | 2800.57 | 2784.95 | 3251.33 | 3279.32 |
3 Number of ATMs and CRMs | 2.59 | 2.58 | 2.58 | 2.58 |
3.1 Bank owned ATMs$ and CRMs# | 2.23 | 2.21 | 2.24 | 2.24 |
3.2 White Label ATMs $ | 0.36 | 0.37 | 0.34 | 0.34 |
4 Number of Micro ATMs @ | 16.11 | 14.75 | 16.89 | 17.60 |
5 Number of PoS Terminals | 77.90 | 76.57 | 85.67 | 85.93 |
6 Bharat QR @ | 53.82 | 50.57 | 59.57 | 60.04 |
7 UPI QR * | 2563.77 | 2442.34 | 3170.66 | 3213.79 |
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) | |||
2023 | 2024 | 2023 | 2024 | |
December | January | December | January | |
1. Card Payments | 96.24 | 90.59 | 7812 | 7538 |
1.1 Credit Cards | 60.66 | 56.33 | 5646 | 5411 |
1.1.1 PoS based | 23.74 | 20.91 | 1780 | 1626 |
1.1.2 Online | 36.92 | 35.42 | 3866 | 3786 |
1.2 Debit Cards | 35.58 | 34.26 | 2165 | 2126 |
1.2.1 PoS based | 15.54 | 14.66 | 744 | 729 |
1.2.2 Online | 20.04 | 19.60 | 1422 | 1398 |
2. Prepaid Payment Instruments | 28.59 | 25.11 | 1157 | 1111 |
2.1 PoS based | 24.81 | 21.40 | 909 | 827 |
2.2 Online | 3.78 | 3.71 | 248 | 284 |
3. Cash Withdrawal at ATMs | 7.85 | 6.49 | 1934 | 1826 |
3.1 Using Credit Cards | 0.52 | 0.35 | 102 | 62 |
3.2 Using Debit Cards | 5.34 | 4.38 | 1113 | 874 |
3.3 Using PPIs | 1.99 | 1.75 | 719 | 890 |
Total International Payments | 132.68 | 122.18 | 10903 | 10474 |
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 | 58505.69 | 0.199 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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