43. Payment System Indicators

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شائع کیا گیا پر جنوری 21, 2021

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43. Payment System Indicators

PART I - Payment System Indicators - Payment & Settlement System Statistics
System	Volume (Lakh)				Value (₹ Crore)
	FY 2019-20	2019	2020		FY 2019-20	2019	2020
	FY 2019-20	Nov.	Oct.	Nov.	FY 2019-20	Nov.	Oct.	Nov.
	1	2	3	4	5	6	7	8
A. Settlement Systems
Financial Market Infrastructures (FMIs)
1 CCIL Operated Systems (1.1 to 1.3)	–	2.78	2.44	2.45	–	10655649	12416671	10692192
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3)	–	1.01	1.06	0.79	–	6869045	8849617	6942678
1.1.1 Outright	–	0.63	0.61	0.48	–	862104	900488	727023
1.1.2 Repo	–	0.19	0.27	0.12	–	2359755	4108317	1762647
1.1.3 Tri-party Repo	–	0.19	0.18	0.19	–	3647186	3840812	4453008
1.2 Forex Clearing	–	1.74	1.36	1.64	–	3525359	3435633	3625849
1.3 Rupee Derivatives @	–	0.04	0.02	0.02	–	261245	131420	123665
B. Payment Systems
I Financial Market Infrastructures (FMIs)	–	–	–	–	–	–	–	–
1 Credit Transfers - RTGS (1.1 to 1.2)	–	133.87	138.22	137.80	–	8679806	8496046	7987655
1.1 Customer Transactions	–	131.61	136.54	136.13	–	7469569	7226105	6802206
1.2 Interbank Transactions	–	2.27	1.68	1.67	–	1210237	1269941	1185449
II Retail
2 Credit Transfers - Retail (2.1 to 2.6)	–	18750.31	28646.23	30269.97	–	2226286	2993114	2986234
2.1 AePS (Fund Transfers) @	–	0.64	1.02	0.93	–	33	57	54
2.2 APBS $	–	1364.56	961.85	927.29	–	6908	5531	4400
2.3 IMPS	–	2280.75	3189.72	3391.14	–	202904	274645	276459
2.4 NACH Cr $	–	722.06	1015.80	1114.23	–	92562	91386	96069
2.5 NEFT	–	2194.59	2761.65	2734.10	–	1734651	2235389	2218252
2.6 UPI @	–	12187.71	20716.19	22102.28	–	189229	386107	390999
2.6.1 of which USSD @	–	0.74	0.97	0.91	–	13	16	15
3 Debit Transfers and Direct Debits (3.1 to 3.3)	–	766.41	920.15	944.24	–	70199	79305	78709
3.1 BHIM Aadhaar Pay @	–	6.46	10.55	9.39	–	97	192	181
3.2 NACH Dr $	–	758.18	848.34	869.63	–	70097	79022	78433
3.3 NETC (linked to bank account) @	–	1.77	61.26	65.22	–	5	91	96
4 Card Payments (4.1 to 4.2)	–	6062.09	5863.58	5633.00	–	137707	168169	163940
4.1 Credit Cards (4.1.1 to 4.1.2)	–	1762.12	1718.03	1662.58	–	60130	64652	62350
4.1.1 PoS based $	–	1033.52	818.33	874.82	–	31730	26956	30495
4.1.2 Others $	–	728.60	899.70	787.76	–	28401	37696	31855
4.2 Debit Cards (4.2.1 to 4.2.1 )	–	4299.96	4145.55	3970.43	–	77577	103517	101591
4.2.1 PoS based $	–	2483.18	1983.98	2112.56	–	37007	37110	42289
4.2.2 Others $	–	1816.79	2161.57	1857.87	–	40570	66408	59302
5 Prepaid Payment Instruments (5.1 to 5.2)	–	4672.07	4591.51	4193.78	–	17844	17802	16704
5.1 Wallets	–	3354.08	3639.88	3420.83	–	14652	13718	12717
5.2 Cards (5.2.1 to 5.2.2)	–	1317.99	951.63	772.96	–	3192	4084	3987
5.2.1 PoS based $	–	123.86	37.11	39.38	–	738	1045	1111
5.2.2 Others $	–	1194.13	914.52	733.57	–	2454	3039	2877
6 Paper-based Instruments (6.1 to 6.2)	–	866.12	643.08	596.35	–	644802	524090	494383
6.1 CTS (NPCI Managed)	–	864.86	643.08	596.35	–	643678	524090	494383
6.2 Others	–	1.26	0.00	0.00	–	1124	–	–
Total - Retail Payments (2+3+4+5+6)	–	31117.01	40664.55	41637.35	–	3096840	3782480	3739970
Total Payments (1+2+3+4+5+6)	–	31250.88	40802.76	41775.15	–	11776646	12278526	11727625
Total Digital Payments (1+2+3+4+5)	–	30384.76	40159.68	41178.79	–	11131843	11754436	11233243

PART II - Payment Modes and Channels
System	Volume (Lakh)				Value (₹ Crore)
	FY 2019-20	2019	2020		FY 2019-20	2019	2020
	FY 2019-20	Nov.	Oct.	Nov.	FY 2019-20	Nov.	Oct.	Nov.
	1	2	3	4	5	6	7	8
A. Other Payment Channels
1 Mobile Payments (mobile app based) (1.1 to 1.2)	–	13534.23	22713.54	22521.45	–	471295	796402	778380
1.1 Intra-bank $	–	1234.84	2103.16	2191.98	–	96802	158866	165155
1.2 Inter-bank $	–	12299.40	20610.38	20329.47	–	374494	637535	613225
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2)	–	2719.42	2977.78	2814.17	–	2539143	3407315	3419474
2.1 Intra-bank @	–	592.01	619.27	585.09	–	1058811	1646090	1653359
2.2 Inter-bank @	–	2127.41	2358.51	2229.09	–	1480333	1761225	1766114
B. ATMs
3 Cash Withdrawal at ATMs $ (3.1 to 3.3)	–	6305.28	5688.24	5913.87	–	285376	271622	280522
3.1 Using Credit Cards $	–	7.99	4.85	4.64	–	381	240	231
3.2 Using Debit Cards $	–	6269.60	5658.36	5883.59	–	284083	270488	279379
3.3 Using Pre-paid Cards $	–	27.68	25.04	25.63	–	912	893	912
4 Cash Withdrawal at PoS $ (4.1 to 4.2)	–	67.02	34.11	37.91	–	134	134	143
4.1 Using Debit Cards $	–	62.70	29.24	32.33	–	129	129	137
4.2 Using Pre-paid Cards $	–	4.32	4.87	5.58	–	5	5	6
5 Cash Withrawal at Micro ATMs @	–	339.83	720.69	684.78	–	9648	18354	18820
5.1 AePS @	–	339.83	720.69	684.78	–	9648	18354	18820

PART III - Payment Infrastructures (Lakh)
System	FY 2019-20	2019	2020
System	FY 2019-20	Nov.	Oct.	Nov.
	1	2	3	4
Payment System Infrastructures
1 Number of Cards (1.1 to 1.2)	–	8851.69	9335.85	9528.15
1.1 Credit Cards	–	544.11	594.20	601.13
1.2 Debit Cards	–	8307.59	8741.65	8927.02
2 Number of PPIs @ (2.1 to 2.2)	–	17253.28	20143.54	20443.15
2.1 Wallets @	–	16243.87	18578.62	18857.67
2.2 Cards @	–	1009.41	1564.92	1585.48
3 Number of ATMs (3.1 to 3.2)	–	2.32	2.34	2.34
3.1 Bank owned ATMs $	–	2.10	2.10	2.09
3.2 White Label ATMs $	–	0.22	0.24	0.25
4 Number of Micro ATMs @	–	2.35	3.49	3.57
5 Number of PoS Terminals	–	48.83	53.94	54.19
6 Bharat QR @	–	15.94	26.05	30.46
7 UPI QR *	–	–	657.45	697.82
@: New inclusion w.e.f. November 2019 $ : 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.