43. Payment System Indicators

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ప్రచురించబడిన తేదీ జులై 18, 2024

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PART I - Payment System Indicators - Payment & Settlement System Statistics
System	Volume (Lakh)				Value (₹ Crore)
	FY 2023-24	2023	2024		FY 2023-24	2023	2024
	FY 2023-24	May.	Apr.	May.	FY 2023-24	May.	Apr.	May.
	1	2	3	4	5	6	7	8
A. Settlement Systems
Financial Market Infrastructures (FMIs)
1 CCIL Operated Systems (1.1 to 1.3)	43.04	4.03	3.53	4.07	259206893	22537634	22115118	22018913
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3)	16.80	1.63	1.25	1.60	170464587	15227196	14132535	14632648
1.1.1 Outright	9.51	0.98	0.68	0.98	13463848	1326724	1023439	1363203
1.1.2 Repo	4.94	0.45	0.38	0.43	76718788	7732270	6510577	6669493
1.1.3 Tri-party Repo	2.35	0.20	0.19	0.19	80281951	6168201	6598519	6599952
1.2 Forex Clearing	24.92	2.23	2.17	2.37	80984671	6189356	7343662	6780829
1.3 Rupee Derivatives @	1.31	0.17	0.11	0.10	7757636	1121082	638922	605436
B. Payment Systems
I Financial Market Infrastructures (FMIs)	-	-	-	-	-	-	-	-
1 Credit Transfers - RTGS (1.1 to 1.2)	2700.16	220.46	235.59	249.71	170886670	12882587	14433296	15186947
1.1 Customer Transactions	2686.04	219.21	234.46	248.49	152406168	11413321	12800746	13559606
1.2 Interbank Transactions	14.12	1.25	1.12	1.22	18480503	1469266	1632550	1627340
II Retail
2 Credit Transfers - Retail (2.1 to 2.6)	1486106.89	107130.93	149083.29	156773.59	67542859	5196720	5845989	6279019
2.1 AePS (Fund Transfers) @	3.92	0.34	0.29	0.31	261	23	19	18
2.2 APBS $	25888.17	1838.94	2535.32	2295.50	390743	31424	36959	37499
2.3 IMPS	60053.35	5015.49	5503.65	5576.99	6495652	527558	592279	606167
2.4 NACH Cr $	16227.27	1227.66	964.06	1074.61	1525104	122239	121718	132404
2.5 NEFT	72639.50	4896.66	7040.03	7467.75	39136014	3026331	3130549	3457995
2.6 UPI @	1311294.68	94151.85	133039.94	140358.43	19995086	1489145	1964465	2044937
2.6.1 of which USSD @	26.19	1.75	1.52	1.62	352	21	18	17
3 Debit Transfers and Direct Debits (3.1 to 3.3)	18249.53	1457.43	1644.10	1698.67	1687658	125654	159006	167035
3.1 BHIM Aadhaar Pay @	193.59	15.45	20.50	19.33	6112	535	563	506
3.2 NACH Dr $	16426.49	1288.88	1494.37	1539.23	1678769	124864	158223	166305
3.3 NETC (linked to bank account) @	1629.45	153.10	129.23	140.11	2777	256	220	225
4 Card Payments (4.1 to 4.2)	58469.79	4974.51	4960.12	5105.17	2423563	193436	200409	208520
4.1 Credit Cards (4.1.1 to 4.1.2)	35610.15	2734.74	3441.51	3601.36	1831134	140660	156498	164955
4.1.1 PoS based $	18614.08	1419.98	1843.36	1906.58	651911	50811	61982	63831
4.1.2 Others $	16996.08	1314.76	1598.15	1694.78	1179223	89849	94516	101124
4.2 Debit Cards (4.2.1 to 4.2.1 )	22859.64	2239.77	1518.61	1503.82	592429	52776	43911	43565
4.2.1 PoS based $	16477.95	1592.87	1126.33	1114.38	393589	35589	30022	29772
4.2.2 Others $	6381.69	646.89	392.28	389.44	198840	17187	13889	13793
5 Prepaid Payment Instruments (5.1 to 5.2)	78775.40	7064.30	5288.79	5496.00	283048	24240	14964	16697
5.1 Wallets	63256.69	5669.85	3993.29	4204.49	234353	20339	10507	11566
5.2 Cards (5.2.1 to 5.2.2)	15518.71	1394.45	1295.49	1291.51	48695	3901	4457	5131
5.2.1 PoS based $	8429.87	721.63	695.13	689.94	11247	1190	962	1027
5.2.2 Others $	7088.84	672.82	600.37	601.57	37447	2711	3495	4104
6 Paper-based Instruments (6.1 to 6.2)	6632.10	572.39	525.73	524.39	7212333	627772	667829	611518
6.1 CTS (NPCI Managed)	6632.10	572.39	525.73	524.39	7212333	627772	667829	611518
6.2 Others	0.00	–	–	–	–	–	–	–
Total - Retail Payments (2+3+4+5+6)	1648233.71	121199.56	161502.02	169597.82	79149461	6167822	6888198	7282789
Total Payments (1+2+3+4+5+6)	1650933.88	121420.02	161737.61	169847.53	250036131	19050409	21321494	22469736
Total Digital Payments (1+2+3+4+5)	1644301.78	120847.63	161211.88	169323.14	242823799	18422637	20653665	21858218

PART II - Payment Modes and Channels
System	Volume (Lakh)				Value (₹ Crore)
	FY 2023-24	2023	2024		FY 2023-24	2023	2024
	FY 2023-24	May.	Apr.	May.	FY 2023-24	May.	Apr.	May.
	1	2	3	4	5	6	7	8
A. Other Payment Channels
1 Mobile Payments (mobile app based) (1.1 to 1.2)	1252599.21	87100.70	128494.90	134522.21	30687088	2268479	2993601	3126317
1.1 Intra-bank $	83000.56	6127.73	8743.81	9224.51	5676805	424314	566077	585196
1.2 Inter-bank $	1169598.65	80972.97	119751.09	125297.71	25010283	1844165	2427524	2541120
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2)	45034.98	3598.99	3756.42	3771.12	102117736	7800962	8807528	8705212
2.1 Intra-bank @	12033.28	916.90	964.52	1010.25	53247042	4116658	4498614	4276566
2.2 Inter-bank @	33001.71	2682.09	2791.90	2760.86	48870694	3684304	4308914	4428645
B. ATMs
3 Cash Withdrawal at ATMs $ (3.1 to 3.3)	66440.72	5694.72	5240.40	5166.41	3259388	279621	265905	260240
3.1 Using Credit Cards $	95.80	7.73	9.07	8.63	4648	366	458	441
3.2 Using Debit Cards $	66001.01	5655.91	5207.60	5133.52	3241538	278080	264457	258785
3.3 Using Pre-paid Cards $	343.90	31.09	23.73	24.26	13202	1175	990	1014
4 Cash Withdrawal at PoS $ (4.1 to 4.2)	15.18	2.33	0.52	0.33	148	23	5	3
4.1 Using Debit Cards $	15.06	2.31	0.50	0.31	147	23	5	3
4.2 Using Pre-paid Cards $	0.12	0.02	0.02	0.02	1	0	0	0
5 Cash Withrawal at Micro ATMs @	11754.95	979.64	919.05	879.79	314003	27469	24502	22804
5.1 AePS @	11754.95	979.64	919.05	879.79	314003	27469	24502	22804

PART III - Payment Infrastructures (Lakh)
System	As on March 2024	2023	2024
	As on March 2024	May.	Apr.	May.
	1	2	3	4
Payment System Infrastructures
1 Number of Cards (1.1 to 1.2)	10667.22	10616.74	10719.55	10780.74
1.1 Credit Cards	1018.03	877.47	1025.40	1033.00
1.2 Debit Cards	9649.19	9739.26	9694.15	9747.74
2 Number of PPIs @ (2.1 to 2.2)	16743.63	16638.55	14716.82	14829.77
2.1 Wallets @	13381.80	13373.56	11294.83	11302.14
2.2 Cards @	3361.82	3264.98	3421.99	3527.63
3 Number of ATMs (3.1 to 3.2)	2.58	2.56	2.57	2.57
3.1 Bank owned ATMs $	2.23	2.20	2.23	2.22
3.2 White Label ATMs $	0.35	0.36	0.35	0.36
4 Number of Micro ATMs @	17.55	14.66	17.37	15.62
5 Number of PoS Terminals	89.03	79.61	88.39	88.04
6 Bharat QR @	62.50	55.45	60.73	61.21
7 UPI QR *	3462.03	2667.57	3195.01	3300.27
@: 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. 1. ECS (Debit and Credit) has been merged with NACH with effect from January 31, 2020. 2. 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. 3. 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 – • Include transactions done through mobile apps of banks and UPI apps. • 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.