43. Payment System Indicators - ஆர்பிஐ - Reserve Bank of India
43. Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics |
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System |
Volume (Lakh) |
Value (₹ Crore) |
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FY 2022-23 |
2023 |
2024 |
FY 2022-23 |
2023 |
2024 |
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Feb. |
Jan. |
Feb. |
Feb. |
Jan. |
Feb. |
|||
1 |
-2 |
-1 |
0 |
5 |
2 |
3 |
4 |
|
A. Settlement Systems |
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|
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Financial Market Infrastructures (FMIs) |
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1 CCIL Operated Systems (1.1 to 1.3) |
41.44 |
3.51 |
3.74 |
3.60 |
258797336 |
22281370 |
21705635 |
21907760 |
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) |
15.00 |
1.27 |
1.42 |
1.46 |
172251292 |
14888685 |
14658627 |
14722762 |
1.1.1 Outright |
7.99 |
0.68 |
0.79 |
0.87 |
10090700 |
895740 |
1100547 |
1273135 |
1.1.2 Repo |
4.07 |
0.38 |
0.43 |
0.39 |
68032487 |
6436404 |
6039056 |
6575139 |
1.1.3 Tri-party Repo |
2.94 |
0.21 |
0.21 |
0.20 |
94128105 |
7556541 |
7519024 |
6874488 |
1.2 Forex Clearing |
25.16 |
2.11 |
2.21 |
2.04 |
78932050 |
6602897 |
6439543 |
6537554 |
1.3 Rupee Derivatives @ |
1.27 |
0.13 |
0.11 |
0.09 |
7613994 |
789788 |
607465 |
647444 |
B. Payment Systems |
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I Financial Market Infrastructures (FMIs) |
- |
- |
- |
- |
- |
- |
- |
- |
1 Credit Transfers - RTGS (1.1 to 1.2) |
2425.62 |
200.50 |
230.99 |
238.26 |
149946286 |
12053579 |
14691625 |
14614297 |
1.1 Customer Transactions |
2411.19 |
199.35 |
229.79 |
237.09 |
131667176 |
10566198 |
13127720 |
13083464 |
1.2 Interbank Transactions |
14.43 |
1.14 |
1.20 |
1.17 |
18279111 |
1487381 |
1563905 |
1530833 |
II Retail |
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2 Credit Transfers - Retail (2.1 to 2.6) |
983620.84 |
88539.09 |
137068.03 |
137733.21 |
55009620 |
4647461 |
5945126 |
6039675 |
2.1 AePS (Fund Transfers) @ |
5.90 |
0.31 |
0.36 |
0.32 |
356 |
22 |
24 |
21 |
2.2 APBS $ |
17833.95 |
2519.89 |
2118.74 |
2965.77 |
247535 |
35468 |
42872 |
48312 |
2.3 IMPS |
56532.64 |
4478.13 |
5087.92 |
5346.35 |
5585441 |
468647 |
566310 |
568092 |
2.4 NACH Cr $ |
19257.19 |
1517.57 |
948.05 |
1504.81 |
1541815 |
131505 |
127514 |
123887 |
2.5 NEFT |
52847.43 |
4675.61 |
6882.78 |
6889.23 |
33719541 |
2775972 |
3367322 |
3471495 |
2.6 UPI @ |
837143.73 |
75347.57 |
122030.18 |
121026.73 |
13914932 |
1235847 |
1841084 |
1827869 |
2.6.1 of which USSD @ |
17.21 |
1.51 |
1.90 |
1.66 |
197 |
17 |
21 |
19 |
3 Debit Transfers and Direct Debits (3.1 to 3.3) |
15343.05 |
1359.79 |
1571.50 |
1611.25 |
1289611 |
115272 |
154405 |
153734 |
3.1 BHIM Aadhaar Pay @ |
214.22 |
11.50 |
18.82 |
15.43 |
6791 |
454 |
619 |
376 |
3.2 NACH Dr $ |
13502.52 |
1209.13 |
1440.08 |
1464.78 |
1280219 |
114587 |
153564 |
153173 |
3.3 NETC (linked to bank account) @ |
1626.31 |
139.16 |
112.60 |
131.04 |
2601 |
231 |
222 |
184 |
4 Card Payments (4.1 to 4.2) |
63324.72 |
4588.51 |
4934.19 |
4634.88 |
2152245 |
168378 |
211931 |
190658 |
4.1 Credit Cards (4.1.1 to 4.1.2) |
29145.24 |
2323.20 |
3289.52 |
3112.44 |
1432255 |
118684 |
166444 |
149206 |
4.1.1 PoS based $ |
15598.46 |
1255.88 |
1725.59 |
1618.50 |
541932 |
44611 |
58532 |
54431 |
4.1.2 Others $ |
13546.79 |
1067.32 |
1563.93 |
1493.94 |
890323 |
74073 |
107912 |
94775 |
4.2 Debit Cards (4.2.1 to 4.2.1 ) |
34179.48 |
2265.31 |
1644.68 |
1522.44 |
719989 |
49693 |
45487 |
41452 |
4.2.1 PoS based $ |
22904.86 |
1581.95 |
1193.18 |
1109.26 |
476520 |
33432 |
30383 |
27930 |
4.2.2 Others $ |
11274.61 |
683.36 |
451.50 |
413.18 |
243470 |
16261 |
15103 |
13522 |
5 Prepaid Payment Instruments (5.1 to 5.2) |
74667.44 |
6050.89 |
7087.25 |
6470.87 |
287111 |
22399 |
25784 |
22676 |
5.1 Wallets |
59112.76 |
4929.04 |
5766.67 |
5211.85 |
221896 |
18356 |
21259 |
18434 |
5.2 Cards (5.2.1 to 5.2.2) |
15554.69 |
1121.85 |
1320.58 |
1259.02 |
65215 |
4043 |
4525 |
4242 |
5.2.1 PoS based $ |
1013.09 |
63.07 |
690.67 |
702.42 |
14777 |
792 |
927 |
919 |
5.2.2 Others $ |
14541.60 |
1058.78 |
629.91 |
556.60 |
50438 |
3251 |
3598 |
3323 |
6 Paper-based Instruments (6.1 to 6.2) |
7109.28 |
553.90 |
547.17 |
541.88 |
7172904 |
565690 |
583653 |
602630 |
6.1 CTS (NPCI Managed) |
7109.28 |
553.90 |
547.17 |
541.88 |
7172904 |
565690 |
583653 |
602630 |
6.2 Others |
0.00 |
– |
– |
– |
– |
– |
– |
– |
Total - Retail Payments (2+3+4+5+6) |
1144065.34 |
101092.17 |
151208.15 |
150992.10 |
65911490 |
5519200 |
6920899 |
7009374 |
Total Payments (1+2+3+4+5+6) |
1146490.96 |
101292.67 |
151439.14 |
151230.36 |
215857776 |
17572779 |
21612523 |
21623671 |
Total Digital Payments (1+2+3+4+5) |
1139381.68 |
100738.77 |
150891.97 |
150688.48 |
208684872 |
17007089 |
21028871 |
21021041 |
PART II - Payment Modes and Channels |
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System |
Volume (Lakh) |
Value (₹ Crore) |
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FY 2022-23 |
2023 |
2024 |
FY 2022-23 |
2023 |
2024 |
|||
Feb. |
Jan. |
Feb. |
Feb. |
Jan. |
Feb. |
|||
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
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A. Other Payment Channels |
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1 Mobile Payments (mobile app based) (1.1 to 1.2) |
805338.23 |
72542.86 |
117854.93 |
117275.04 |
22031628 |
1930129 |
2815296 |
2828112 |
1.1 Intra-bank $ |
62306.61 |
5107.77 |
7654.37 |
7774.97 |
4191430 |
353815 |
524854 |
530845 |
1.2 Inter-bank $ |
743031.61 |
67435.09 |
110200.56 |
109500.07 |
17840197 |
1576314 |
2290441 |
2297267 |
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) |
42630.64 |
3319.04 |
3837.71 |
3800.36 |
91539296 |
7380904 |
9123990 |
8867591 |
2.1 Intra-bank @ |
10703.78 |
834.55 |
1028.04 |
1008.05 |
53506133 |
4172937 |
4767036 |
4540083 |
2.2 Inter-bank @ |
31926.86 |
2484.49 |
2809.67 |
2792.31 |
38033163 |
3207966 |
4356954 |
4327508 |
B. ATMs |
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3 Cash Withdrawal at ATMs $ (3.1 to 3.3) |
69468.87 |
5472.33 |
5306.01 |
5171.94 |
3305008 |
263681 |
260746 |
257228 |
3.1 Using Credit Cards $ |
88.37 |
7.39 |
8.26 |
7.91 |
4296 |
358 |
404 |
395 |
3.2 Using Debit Cards $ |
68975.18 |
5433.46 |
5272.19 |
5138.76 |
3286749 |
262098 |
259326 |
255798 |
3.3 Using Pre-paid Cards $ |
405.32 |
31.47 |
25.56 |
25.27 |
13963 |
1225 |
1016 |
1035 |
4 Cash Withdrawal at PoS $ (4.1 to 4.2) |
27.73 |
2.17 |
0.65 |
0.55 |
278 |
21 |
6 |
5 |
4.1 Using Debit Cards $ |
27.41 |
2.16 |
0.64 |
0.53 |
276 |
21 |
6 |
5 |
4.2 Using Pre-paid Cards $ |
0.33 |
0.01 |
0.02 |
0.01 |
2 |
0 |
0 |
0 |
5 Cash Withrawal at Micro ATMs @ |
12375.16 |
918.44 |
839.66 |
812.15 |
333966 |
25483 |
22351 |
21543 |
5.1 AePS @ |
12375.16 |
918.44 |
839.66 |
812.15 |
333966 |
25483 |
22351 |
21543 |
PART III - Payment Infrastructures (Lakh) |
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System |
As on March 2023 |
2023 |
2024 |
|
Feb. |
Jan. |
Feb. |
||
1 |
2 |
3 |
4 |
|
Payment System Infrastructures |
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|
|
|
1 Number of Cards (1.1 to 1.2) |
10465.62 |
10374.87 |
10570.66 |
10612.71 |
1.1 Credit Cards |
853.03 |
833.66 |
995.00 |
1006.00 |
1.2 Debit Cards |
9612.59 |
9541.22 |
9575.66 |
9606.71 |
2 Number of PPIs @ (2.1 to 2.2) |
16185.22 |
16109.65 |
17676.26 |
17118.56 |
2.1 Wallets @ |
13384.65 |
13335.10 |
14396.94 |
13795.76 |
2.2 Cards @ |
2800.57 |
2774.55 |
3279.32 |
3322.80 |
3 Number of ATMs (3.1 to 3.2) |
2.59 |
2.57 |
2.58 |
2.57 |
3.1 Bank owned ATMs $ |
2.23 |
2.21 |
2.24 |
2.23 |
3.2 White Label ATMs $ |
0.36 |
0.36 |
0.34 |
0.34 |
4 Number of Micro ATMs @ |
16.11 |
15.59 |
17.60 |
17.01 |
5 Number of PoS Terminals |
77.90 |
77.58 |
85.93 |
87.73 |
6 Bharat QR @ |
53.82 |
52.22 |
60.04 |
61.50 |
7 UPI QR * |
2563.77 |
2500.89 |
3213.79 |
3371.80 |
@: New inclusion w.e.f. November 2019 |