Payment System Indicators - October 2023 - ஆர்பிஐ - Reserve Bank of India
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Payment System Indicators - October 2023
Payment System Indicators | ||||||||
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PART I - Payment System Indicators - Payment & Settlement System Statistics | ||||||||
Volume (lakh) | Value (₹ crore) | |||||||
FY 2022-23 | 2022 October |
2023 | 2023 | FY 2022-23 | 2022 October |
2023 | 2023 | |
September | October | September | October | |||||
1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
A. Settlement Systems | ||||||||
Financial Market Infrastructures (FMIs) | ||||||||
1 CCIL Operated Systems | 41.44 | 3.06 | 3.73 | 3.31 | 258797336 | 20887702 | 21104039 | 21422005 |
1.1 Govt. Securities Clearing | 15.00 | 1.07 | 1.52 | 1.26 | 172251292 | 13863316 | 13723954 | 13902085 |
1.1.1 Outright | 7.99 | 0.54 | 0.93 | 0.66 | 10090700 | 672816 | 1211320 | 889349 |
1.1.2 Repo | 4.07 | 0.31 | 0.41 | 0.40 | 68032487 | 5277168 | 5629136 | 5760793 |
1.1.3 Tri-party Repo | 2.94 | 0.22 | 0.19 | 0.20 | 94128105 | 7913333 | 6883498 | 7251944 |
1.2 Forex Clearing | 25.16 | 1.90 | 2.10 | 1.96 | 78932050 | 6514292 | 6811643 | 7018310 |
1.3 Rupee Derivatives @ | 1.27 | 0.08 | 0.11 | 0.10 | 7613994 | 510094 | 568441 | 501610 |
B. Payment Systems | ||||||||
I Financial Market Infrastructures (FMIs) | ||||||||
1 Credit Transfers - RTGS | 2425.62 | 190.34 | 213.94 | 224.62 | 149946286 | 11551277 | 14545183 | 13464400 |
1.1 Customer Transactions | 2411.19 | 189.18 | 212.80 | 223.48 | 131667176 | 10015711 | 12960210 | 11899324 |
1.2 Interbank Transactions | 14.43 | 1.15 | 1.13 | 1.14 | 18279111 | 1535565 | 1584974 | 1565076 |
II Retail | ||||||||
2 Credit Transfers - Retail | 983620.84 | 85748.55 | 119215.72 | 128356.32 | 55009620 | 4557107 | 5340256 | 5667254 |
2.1 AePS (Fund Transfers) @ | 5.90 | 0.56 | 0.31 | 0.31 | 356 | 31 | 21 | 20 |
2.2 APBS $ | 17833.95 | 1843.72 | 1818.74 | 1745.79 | 247535 | 25462 | 17943 | 19666 |
2.3 IMPS | 56532.64 | 4824.59 | 4728.97 | 4928.80 | 5585441 | 466082 | 507497 | 538239 |
2.4 NACH Cr $ | 19257.19 | 1454.99 | 1512.78 | 1278.99 | 1541815 | 127118 | 109472 | 131546 |
2.5 NEFT | 52847.43 | 4570.48 | 5598.05 | 6314.53 | 33719541 | 2726827 | 3126190 | 3262015 |
2.6 UPI @ | 837143.73 | 73054.21 | 105556.87 | 114087.90 | 13914932 | 1211588 | 1579133 | 1715768 |
2.6.1 of which USSD @ | 17.21 | 1.26 | 2.52 | 2.63 | 197 | 15 | 37 | 38 |
3 Debit Transfers and Direct Debits | 15343.05 | 1297.79 | 1514.68 | 1499.66 | 1289611 | 106956 | 138748 | 139050 |
3.1 BHIM Aadhaar Pay @ | 214.22 | 19.99 | 13.87 | 15.14 | 6791 | 604 | 441 | 525 |
3.2 NACH Dr $ | 13502.52 | 1139.92 | 1371.81 | 1348.29 | 1280219 | 106131 | 138081 | 138287 |
3.3 NETC (linked to bank account) @ | 1626.31 | 137.88 | 129.00 | 136.23 | 2601 | 221 | 226 | 238 |
4 Card Payments | 63324.72 | 5516.40 | 4578.77 | 5105.51 | 2152245 | 195998 | 189199 | 230670 |
4.1 Credit Cards | 29145.24 | 2554.02 | 2739.43 | 3200.48 | 1432255 | 129048 | 142320 | 178569 |
4.1.1 PoS based $ | 15598.46 | 1400.51 | 1420.96 | 1596.74 | 541932 | 51183 | 49440 | 57774 |
4.1.2 Others $ | 13546.79 | 1153.51 | 1318.47 | 1603.73 | 890323 | 77865 | 92879 | 120795 |
4.2 Debit Cards | 34179.48 | 2962.38 | 1839.34 | 1905.04 | 719989 | 66950 | 46880 | 52101 |
4.2.1 PoS based $ | 22904.86 | 2045.27 | 1326.09 | 1375.63 | 476520 | 46016 | 30525 | 33731 |
4.2.2 Others $ | 11274.61 | 917.10 | 513.26 | 529.40 | 243470 | 20934 | 16355 | 18371 |
5 Prepaid Payment Instruments | 74667.44 | 6167.35 | 6143.16 | 6687.84 | 287111 | 24296 | 23668 | 25012 |
5.1 Wallets | 59112.76 | 4877.04 | 4899.67 | 5301.96 | 221896 | 18450 | 19926 | 20630 |
5.2 Cards | 15554.69 | 1290.31 | 1243.49 | 1385.88 | 65215 | 5846 | 3742 | 4382 |
5.2.1 PoS based $ | 1013.09 | 83.89 | 721.81 | 750.95 | 14777 | 1169 | 852 | 884 |
5.2.2 Others $ | 14541.60 | 1206.42 | 521.68 | 634.93 | 50438 | 4677 | 2890 | 3498 |
6 Paper-based Instruments | 7109.28 | 561.89 | 538.35 | 559.90 | 7172904 | 549637 | 575021 | 584454 |
6.1 CTS (NPCI Managed) | 7109.28 | 561.89 | 538.35 | 559.90 | 7172904 | 549637 | 575021 | 584454 |
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 | 99291.97 | 131990.68 | 142209.23 | 65911490 | 5433995 | 6266892 | 6646440 |
Total Payments (1+2+3+4+5+6) | 1146490.96 | 99482.31 | 132204.62 | 142433.85 | 215857776 | 16985272 | 20812075 | 20110841 |
Total Digital Payments (1+2+3+4+5) | 1139381.68 | 98920.42 | 131666.27 | 141873.95 | 208684872 | 16435635 | 20237054 | 19526387 |
PART II - Payment Modes and Channels | ||||||||
---|---|---|---|---|---|---|---|---|
Volume (lakh) | Value (₹ crore) | |||||||
FY 2022-23 | 2022 October |
2023 | 2023 | FY 2022-23 | 2022 October |
2023 | 2023 | |
September | October | September | October | |||||
1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
A. Other Payment Channels | ||||||||
1 Mobile Payments (mobile app based) | 805338.23 | 70328.74 | 101214.61 | 109331.98 | 22031628 | 1876993 | 2434721 | 2619059 |
1.1 Intra-bank $ | 62306.61 | 5473.11 | 6606.30 | 6877.75 | 4191430 | 351669 | 446014 | 474311 |
1.2 Inter-bank $ | 743031.61 | 64855.62 | 94608.31 | 102454.23 | 17840197 | 1525324 | 1988707 | 2144749 |
2 Internet Payments (Netbanking / internet browser based) @ | 42630.64 | 3619.15 | 3650.26 | 3736.00 | 91539296 | 7172840 | 8219961 | 8464802 |
2.1 Intra-bank @ | 10703.78 | 873.32 | 988.10 | 983.49 | 53506133 | 4126602 | 4179061 | 4400612 |
2.2 Inter-bank @ | 31926.86 | 2745.82 | 2662.16 | 2752.51 | 38033163 | 3046239 | 4040900 | 4064190 |
B. ATMs | ||||||||
3. Cash Withdrawal at ATMs $ | 69468.87 | 6124.46 | 5377.33 | 5721.44 | 3305008 | 292144 | 260514 | 277825 |
3.1 Using Credit Cards $ | 88.37 | 7.67 | 7.85 | 8.54 | 4296 | 375 | 380 | 413 |
3.2 Using Debit Cards $ | 68975.18 | 6078.30 | 5340.80 | 5683.51 | 3286749 | 290557 | 259072 | 276282 |
3.3 Using Pre-paid Cards $ | 405.32 | 38.48 | 28.67 | 29.40 | 13963 | 1212 | 1062 | 1130 |
4. Cash Withdrawal at PoS $ | 27.73 | 2.14 | 0.97 | 0.85 | 278 | 21 | 9 | 8 |
4.1 Using Debit Cards $ | 27.41 | 2.11 | 0.96 | 0.84 | 276 | 21 | 9 | 8 |
4.2 Using Pre-paid Cards $ | 0.33 | 0.03 | 0.01 | 0.01 | 2 | 0 | 0 | 0 |
5. Cash Withdrawal at Micro ATMs @ | 12375.16 | 1156.16 | 991.43 | 986.49 | 333966 | 30463 | 25477 | 25378 |
5.1 AePS @ | 12375.16 | 1156.16 | 991.43 | 986.49 | 333966 | 30463 | 25477 | 25378 |
PART III - Payment Infrastructures (lakh) | ||||
---|---|---|---|---|
As on March 2023 | 2022 October |
2023 | 2023 | |
September | October | |||
1 | 2 | 3 | 4 | |
Payment System Infrastructures | ||||
1 Number of Cards | 10465.62 | 10235.99 | 10713.04 | 10748.82 |
1.1 Credit Cards | 853.03 | 793.68 | 930.17 | 947.11 |
1.2 Debit Cards | 9612.59 | 9442.32 | 9782.86 | 9801.71 |
2 Number of PPIs @ | 16185.22 | 15985.59 | 16718.09 | 16830.87 |
2.1 Wallets @ | 13384.65 | 13195.92 | 13437.06 | 13576.88 |
2.2 Cards @ | 2800.57 | 2789.67 | 3281.03 | 3253.99 |
3 Number of ATMs and CRMs | 2.59 | 2.55 | 2.58 | 2.58 |
3.1 Bank owned ATMs$ and CRMs# | 2.23 | 2.20 | 2.23 | 2.23 |
3.2 White Label ATMs $ | 0.36 | 0.35 | 0.35 | 0.35 |
4 Number of Micro ATMs @ | 16.11 | 12.91 | 14.87 | 15.30 |
5 Number of PoS Terminals | 77.90 | 72.11 | 83.03 | 83.48 |
6 Bharat QR @ | 53.82 | 47.19 | 59.82 | 59.75 |
7 UPI QR * | 2563.77 | 2253.23 | 2950.06 | 3017.20 |
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 | 2023 | 2023 | 2023 | |
September | October | September | October | |
1. Card Payments | 97.60 | 101.98 | 8715 | 9556 |
1.1 Credit Cards | 61.55 | 65.29 | 5859 | 6462 |
1.1.1 PoS based | 24.50 | 28.01 | 1785 | 2519 |
1.1.2 Online | 37.04 | 37.28 | 4074 | 3944 |
1.2 Debit Cards | 36.05 | 36.69 | 2856 | 3094 |
1.2.1 PoS based | 13.80 | 16.47 | 725 | 1105 |
1.2.2 Online | 22.25 | 20.22 | 2131 | 1990 |
2. Prepaid Payment Instruments | 38.15 | 41.76 | 1530 | 1574 |
2.1 PoS based | 33.00 | 36.30 | 1174 | 1237 |
2.2 Online | 5.15 | 5.45 | 356 | 336 |
3. Cash Withdrawal at ATMs | 7.72 | 8.30 | 2329 | 4349 |
3.1 Using Credit Cards | 0.52 | 0.62 | 105 | 2385 |
3.2 Using Debit Cards | 4.79 | 5.19 | 1176 | 1103 |
3.3 Using PPIs | 2.41 | 2.49 | 1047 | 862 |
Total International Payments | 143.47 | 152.03 | 12573 | 15479 |
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 |
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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