43. Payment System Indicators

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ప్రచురించబడిన తేదీ ఏప్రిల్ 21, 2023

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PART I - Payment System Indicators - Payment & Settlement System Statistics
System	Volume (Lakh)				Value (₹ Crore)
	FY 2021-22	2022	2023		FY 2021-22	2022	2023
	FY 2021-22	Feb.	Jan.	Feb.	FY 2021-22	Feb.	Jan.	Feb.
	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	2.92	3.66	3.51	206873112	17994586	21571346	22281370
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3)	12.22	1.10	1.17	1.27	142072939	12914111	14383734	14888685
1.1.1 Outright	6.22	0.58	0.60	0.68	8793301	721038	785714	895740
1.1.2 Repo	3.08	0.25	0.35	0.38	51015712	4221392	5556922	6436404
1.1.3 Tri-party Repo	2.92	0.27	0.21	0.21	82263926	7971681	8041098	7556541
1.2 Forex Clearing	19.91	1.73	2.40	2.11	59775826	4540145	6553596	6602897
1.3 Rupee Derivatives @	0.88	0.10	0.10	0.13	5024347	540330	634016	789788
B. Payment Systems
I Financial Market Infrastructures (FMIs)	–	–	–	–	–	–	–	–
1 Credit Transfers - RTGS (1.1 to 1.2)	2078.39	180.29	204.18	200.50	128657516	10324618	12546467	12053579
1.1 Customer Transactions	2063.73	179.15	202.99	199.35	113319292	9277356	11028450	10566198
1.2 Interbank Transactions	14.66	1.13	1.19	1.14	15338225	1047262	1518016	1487381
II Retail
2 Credit Transfers - Retail (2.1 to 2.6)	577934.74	55305.52	92396.07	88613.03	42728006	3806484	4738328	4650034
2.1 AePS (Fund Transfers) @	9.76	0.51	0.32	0.31	575	28	23	22
2.2 APBS $	12573.33	651.67	1112.35	2584.03	133345	13152	19956	35514
2.3 IMPS	46625.25	4209.31	4745.08	4478.13	4171037	384404	477491	468647
2.4 NACH Cr $	18757.82	1536.56	1354.13	1527.38	1281685	104998	131620	134032
2.5 NEFT	40407.29	3632.58	4798.31	4675.61	28725463	2477059	2810180	2775972
2.6 UPI @	459561.30	45274.89	80385.88	75347.57	8415900	826843	1299059	1235847
2.6.1 of which USSD @	11.99	0.68	1.79	1.51	177	10	19	17
3 Debit Transfers and Direct Debits (3.1 to 3.3)	12189.49	1089.30	1360.36	1360.85	1034444	90746	115658	115315
3.1 BHIM Aadhaar Pay @	227.73	15.23	13.01	11.50	6113	506	468	454
3.2 NACH Dr $	10754.74	948.20	1202.79	1210.19	1026641	90056	114953	114630
3.3 NETC (linked to bank account) @	1207.02	125.87	144.56	139.16	1689	184	236	231
4 Card Payments (4.1 to 4.2)	61782.93	4840.47	5103.61	4588.51	1701851	143111	183460	168378
4.1 Credit Cards (4.1.1 to 4.1.2)	22398.82	1884.24	2593.52	2323.20	971638	86041	127682	118684
4.1.1 PoS based $	11124.59	963.40	1409.19	1255.88	380643	32500	48934	44611
4.1.2 Others $	11274.23	920.84	1184.33	1067.32	590994	53541	78748	74073
4.2 Debit Cards (4.2.1 to 4.2.1 )	39384.11	2956.23	2510.09	2265.31	730213	57070	55778	49693
4.2.1 PoS based $	22967.10	1845.45	1742.51	1581.95	451550	36376	37520	33432
4.2.2 Others $	16417.00	1110.78	767.59	683.36	278663	20694	18258	16261
5 Prepaid Payment Instruments (5.1 to 5.2)	65782.75	5551.16	6129.40	6050.89	279416	22923	22193	22399
5.1 Wallets	53013.86	4386.09	4873.96	4929.04	220183	17259	17899	18356
5.2 Cards (5.2.1 to 5.2.2)	12768.89	1165.07	1255.44	1121.85	59233	5664	4294	4043
5.2.1 PoS based $	1116.16	126.61	64.59	63.07	19546	3360	774	792
5.2.2 Others $	11652.73	1038.46	1190.86	1058.78	39687	2304	3520	3251
6 Paper-based Instruments (6.1 to 6.2)	6999.12	581.98	573.17	538.79	6650333	615321	570639	554113
6.1 CTS (NPCI Managed)	6999.12	581.98	573.17	538.79	6650333	615321	570639	554113
6.2 Others	0.00	–	–	–	–	–	–	–
Total - Retail Payments (2+3+4+5+6)	724689.03	67368.43	105562.61	101152.07	52394049	4678585	5630279	5510239
Total Payments (1+2+3+4+5+6)	726767.42	67548.71	105766.79	101352.56	181051565	15003203	18176745	17563818
Total Digital Payments (1+2+3+4+5)	719768.30	66966.73	105193.62	100813.78	174401233	14387882	17606106	17009704

PART II - Payment Modes and Channels
System	Volume (Lakh)				Value (₹ Crore)
	FY 2021-22	2022	2023		FY 2021-22	2022	2023
		Feb.	Jan.	Feb.	FY 2021-22	Feb.	Jan.	Feb.
	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	48292.44	86642.24	82667.18	14961371	1391254	2105417	2068090
1.1 Intra-bank $	40805.69	3626.98	4884.25	5107.77	2726363	246931	345334	353815
1.2 Inter-bank $	466036.62	44665.47	81757.99	77559.40	12235007	1144324	1760083	1714274
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2)	40825.85	3274.19	3544.67	3319.04	83255958	6792274	7327328	7380904
2.1 Intra-bank @	9576.46	780.51	889.79	834.55	52139336	4169926	4089462	4172937
2.2 Inter-bank @	31249.39	2493.68	2654.88	2484.49	31116622	2622349	3237866	3207966
B. ATMs
3 Cash Withdrawal at ATMs $ (3.1 to 3.3)	65240.43	5296.66	5749.82	5471.86	3111946	256463	272135	263673
3.1 Using Credit Cards $	62.37	5.29	8.13	7.39	3130	264	385	358
3.2 Using Debit Cards $	64851.61	5263.17	5708.93	5433.00	3097739	255218	270588	262090
3.3 Using Pre-paid Cards $	326.45	28.20	32.76	31.47	11076	981	1161	1225
4 Cash Withdrawal at PoS $ (4.1 to 4.2)	91.17	2.19	2.44	2.18	728	20	25	22
4.1 Using Debit Cards $	79.42	2.15	2.43	2.17	557	20	25	22
4.2 Using Pre-paid Cards $	11.75	0.04	0.02	0.01	171	0	0	0
5 Cash Withrawal at Micro ATMs @	11126.04	928.46	963.46	918.44	299776	24975	26203	25483
5.1 AePS @	11126.04	928.46	963.46	918.44	299776	24975	26203	25483

PART III - Payment Infrastructures (Lakh)
System	As on March 2022	2022	2023
	As on March 2022	Feb.	Jan.	Feb.
	1	2	3	4
Payment System Infrastructures
1 Number of Cards (1.1 to 1.2)	9912.93	10067.74	10280.33	10374.87
1.1 Credit Cards	736.27	717.08	824.52	833.66
1.2 Debit Cards	9176.66	9350.66	9455.81	9541.22
2 Number of PPIs @ (2.1 to 2.2)	15553.69	15652.06	16029.29	16109.65
2.1 Wallets @	12787.93	12942.28	13244.34	13335.10
2.2 Cards @	2765.76	2709.78	2784.95	2774.55
3 Number of ATMs (3.1 to 3.2)	2.52	2.47	2.58	2.57
3.1 Bank owned ATMs $	2.20	2.16	2.21	2.21
3.2 White Label ATMs $	0.31	0.31	0.37	0.36
4 Number of Micro ATMs @	9.16	8.51	14.75	15.59
5 Number of PoS Terminals	60.70	58.34	76.57	77.58
6 Bharat QR @	49.72	48.27	50.57	52.22
7 UPI QR *	1727.34	1600.19	2442.34	2500.89
@: 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 Notes : 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.