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43. Payment System Indicators

PART I - Payment System Indicators - Payment & Settlement System Statistics
System Volume (Lakh) Value (₹ Crore)
FY 2021-22 2021 2022 FY 2021-22 2021 2022
Oct. Sep. Oct. Oct. Sep. Oct.
1 2 3 4 5 6 7 8
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems (1.1 to 1.3) 33.01 2.85 3.97 3.06 206873112 16600978 24321858 20887702
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 12.22 1.04 1.51 1.07 142072939 11415739 16060463 13863316
1.1.1 Outright 6.22 0.55 0.86 0.54 8793301 745937 1027326 672816
1.1.2 Repo 3.08 0.25 0.36 0.31 51015712 3822009 6014630 5277168
1.1.3 Tri-party Repo 2.92 0.23 0.30 0.22 82263926 6847793 9018508 7913333
1.2 Forex Clearing 19.91 1.73 2.34 1.90 59775826 4736040 7499481 6514292
1.3 Rupee Derivatives @ 0.88 0.08 0.11 0.08 5024347 449200 761914 510094
B. Payment Systems                
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS (1.1 to 1.2) 2078.39 184.11 198.30 190.34 128657516 10134368 13789637 11551277
1.1 Customer Transactions 2063.73 182.90 197.10 189.18 113319292 8956918 12094321 10015711
1.2 Interbank Transactions 14.66 1.22 1.20 1.15 15338225 1177450 1695316 1535565
II Retail                
2 Credit Transfers - Retail (2.1 to 2.6) 577934.74 52919.52 79564.55 85748.55 42728006 3748602 4621357 4557107
2.1 AePS (Fund Transfers) @ 9.76 0.86 0.55 0.56 575 49 32 31
2.2 APBS $ 12573.33 1192.91 1170.39 1843.72 133345 7519 12805 25462
2.3 IMPS 46625.25 4306.71 4622.31 4824.59 4171037 370712 454451 466082
2.4 NACH Cr $ 18757.82 1660.26 1630.85 1454.99 1281685 122519 114718 127118
2.5 NEFT 40407.29 3574.46 4332.45 4570.48 28725463 2476397 2922913 2726827
2.6 UPI @ 459561.30 42184.32 67808.00 73054.21 8415900 771407 1116438 1211588
2.6.1 of which USSD @ 11.99 1.11 1.47 1.26 177 16 17 15
3 Debit Transfers and Direct Debits (3.1 to 3.3) 12189.49 979.36 1256.45 1297.79 1034444 85776 105856 106956
3.1 BHIM Aadhaar Pay @ 227.73 21.49 16.35 19.99 6113 560 516 604
3.2 NACH Dr $ 10754.74 865.69 1113.20 1139.92 1026641 85103 105128 106131
3.3 NETC (linked to bank account) @ 1207.02 92.18 126.90 137.88 1689 114 211 221
4 Card Payments (4.1 to 4.2) 61782.93 6008.76 5363.24 5533.85 1701851 177413 183981 196617
4.1 Credit Cards (4.1.1 to 4.1.2) 22398.82 2155.81 2460.17 2561.33 971638 100943 122554 129334
4.1.1 PoS based $ 11124.59 1075.23 1317.07 1451.02 380643 38442 45287 54148
4.1.2 Others $ 11274.23 1080.58 1143.10 1110.31 590994 62500 77267 75186
4.2 Debit Cards (4.2.1 to 4.2.1) 39384.11 3852.95 2903.07 2972.52 730213 76471 61427 67283
4.2.1 PoS based $ 22967.10 2302.56 1888.46 2050.43 451550 47226 38135 46396
4.2.2 Others $ 16417.00 1550.39 1014.61 922.09 278663 29245 23292 20887
5 Prepaid Payment Instruments (5.1 to 5.2) 65782.75 6130.90 6048.61 6167.35 279416 25757 24090 24296
5.1 Wallets 53013.86 4888.97 4706.99 4877.04 220183 21702 17915 18450
5.2 Cards (5.2.1 to 5.2.2) 12768.89 1241.93 1341.62 1290.31 59233 4055 6175 5846
5.2.1 PoS based $ 1116.16 64.58 79.41 83.89 19546 998 1172 1169
5.2.2 Others $ 11652.73 1177.35 1262.21 1206.42 39687 3057 5004 4677
6 Paper-based Instruments (6.1 to 6.2) 6999.12 635.20 603.84 561.89 6650333 582604 591106 550935
6.1 CTS (NPCI Managed) 6999.12 635.20 603.84 561.89 6650333 582604 591106 550935
6.2 Others 0.00
Total - Retail Payments (2+3+4+5+6) 724689.03 66673.75 92836.69 99309.42 52394049 4620153 5526390 5435911
Total Payments (1+2+3+4+5+6) 726767.42 66857.86 93034.99 99499.76 181051565 14754521 19316027 16987188
Total Digital Payments (1+2+3+4+5) 719768.30 66222.66 92431.15 98937.87 174401233 14171917 18724921 16436254

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2021-22 2021 2022 FY 2021-22 2021 2022
Oct. Sep. Oct. Oct. Sep. Oct.
1 2 3 4 5 6 7 8
A. Other Payment Channels                
1 Mobile Payments (mobile app based) (1.1 to 1.2) 506842.31 45884.20 72862.29 78248.46 14961371 1353833 1882943 1981406
1.1 Intra-bank $ 40805.69 3761.40 5133.31 5473.11 2726363 243728 348416 351595
1.2 Inter-bank $ 466036.62 42122.80 67728.99 72775.35 12235007 1110105 1534526 1629812
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 40726.59 3689.87 3585.10 3628.03 83159996 6617482 8433346 7182384
2.1 Intra-bank @ 9583.32 862.55 918.60 873.32 52142582 3970049 4985305 4126602
2.2 Inter-bank @ 31143.27 2827.31 2666.49 2754.70 31017413 2647433 3448041 3055782
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 65240.43 6032.74 5725.75 6119.16 3111946 289887 265244 291538
3.1 Using Credit Cards $ 62.37 5.64 7.24 7.67 3130 286 352 375
3.2 Using Debit Cards $ 64851.61 5998.03 5684.15 6073.01 3097739 288605 263765 289951
3.3 Using Pre-paid Cards $ 326.45 29.07 34.36 38.48 11076 997 1127 1212
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 91.17 5.34 2.71 2.15 728 64 34 22
4.1 Using Debit Cards $ 79.42 4.44 2.67 2.12 557 39 34 22
4.2 Using Pre-paid Cards $ 11.75 0.90 0.04 0.03 171 25 0 0
5 Cash Withrawal at Micro ATMs @ 11126.04 946.33 1004.99 1156.16 299776 24799 26097 30463
5.1 AePS @ 11126.04 946.33 1004.99 1156.16 299776 24799 26097 30463

PART III - Payment Infrastructures (Lakh)
System As on March 2022 2021 2022
Oct. Sep. Oct.
  1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 9912.93 9991.95 10162.40 10188.29
1.1 Credit Cards 736.27 663.61 777.02 793.68
1.2 Debit Cards 9176.66 9328.34 9385.38 9394.61
2 Number of PPIs @ (2.1 to 2.2) 15553.69 14450.87 15842.95 15968.37
2.1 Wallets @ 12787.93 12025.10 13106.33 13195.92
2.2 Cards @ 2765.76 2425.77 2736.62 2772.44
3 Number of ATMs (3.1 to 3.2) 2.52 2.41 2.55 2.55
3.1 Bank owned ATMs $ 2.20 2.13 2.20 2.20
3.2 White Label ATMs $ 0.31 0.28 0.35 0.35
4 Number of Micro ATMs @ 9.16 6.71 12.39 12.90
5 Number of PoS Terminals 60.70 51.55 70.35 72.11
6 Bharat QR @ 49.72 44.35 48.64 47.19
7 UPI QR * 1727.34 1285.05 2164.30 2253.23
@: 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.

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