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43. Payment System Indicators

PART I - Payment System Indicators - Payment & Settlement System Statistics
System Volume (Lakh) Value (₹ Crore)
FY 2020-21 2020 2021 FY 2020-21 2020 2021
Dec. Nov. Dec. Dec. Nov. Dec.
1 2 3 4 5 6 7 8
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems (1.1 to 1.3) 27.97 2.62 2.56 3.13 161943141 15757032 17364381 20703988
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 11.55 1.00 0.97 1.10 110634315 10816866 12229072 14801512
1.1.1 Outright 6.28 0.51 0.46 0.48 10032187 772886 617831 651103
1.1.2 Repo 2.84 0.25 0.26 0.30 43751173 4089804 4273958 5075401
1.1.3 Tri-party Repo 2.43 0.24 0.25 0.31 56850956 5954176 7337283 9075009
1.2 Forex Clearing 16.04 1.58 1.53 1.96 48903961 4651382 4816873 5516604
1.3 Rupee Derivatives @ 0.38 0.04 0.06 0.07 2404865 288785 318437 385873
B. Payment Systems                
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS (1.1 to 1.2) 1591.92 163.48 172.14 192.78 105599849 10659120 10981778 12966991
1.1 Customer Transactions 1573.47 161.72 170.95 191.50 91008367 9058136 9589985 11418233
1.2 Interbank Transactions 18.45 1.75 1.19 1.29 14591482 1600984 1391793 1548758
II Retail                
2 Credit Transfers - Retail (2.1 to 2.6) 317867.59 31735.79 51855.52 56422.79 33504168 3393355 3552986 4076395
2.1 AePS (Fund Transfers) @ 11.31 1.03 0.62 0.65 623 61 35 36
2.2 APBS $ 14372.99 1018.90 1119.16 1082.20 111001 8180 9750 14987
2.3 IMPS 32783.47 3556.93 4120.29 2941500 292325 364672
2.4 NACH Cr $ 16465.29 1741.20 1356.65 1483.71 1216477 118309 95602 113132
2.5 NEFT 30927.89 3076.15 3394.00 3763.38 25130910 2558304 2314490 2724980
2.6 UPI @ 223306.64 22341.58 41864.80 45662.99 4103658 416176 768436 826848
2.6.1 of which USSD @ 10.45 0.88 1.00 1.12 172 14 15 16
3 Debit Transfers and Direct Debits (3.1 to 3.3) 10456.54 922.53 1031.91 1064.54 865520 81871 87212 91163
3.1 BHIM Aadhaar Pay @ 160.84 8.90 19.78 19.59 2580 187 536 611
3.2 NACH Dr $ 9645.75 840.43 900.10 937.92 862027 81576 86517 90426
3.3 NETC (linked to bank account) @ 649.96 73.21 112.03 107.03 913 108 158 126
4 Card Payments (4.1 to 4.2) 57786.60 5502.88 5418.21 5701.80 1291799 128665 156325 161498
4.1 Credit Cards (4.1.1 to 4.1.2) 17641.06 1737.79 2011.16 2112.59 630414 63487 89217 93907
4.1.1 PoS based $ 8688.81 914.20 1068.93 1093.48 280769 28961 37499 36713
4.1.2 Others $ 8952.25 823.59 942.23 1019.10 349645 34526 51718 57195
4.2 Debit Cards (4.2.1 to 4.2.1 ) 40145.54 3765.09 3407.02 3589.21 661385 65178 67109 67591
4.2.1 PoS based $ 20773.50 2165.50 2112.05 2292.51 377630 39437 43751 44162
4.2.2 Others $ 19372.04 1599.59 1294.97 1296.71 283755 25741 23358 23429
5 Prepaid Payment Instruments (5.1 to 5.2) 49742.55 4372.11 6107.23 7008.24 197696 18153 25583 26896
5.1 Wallets 39987.01 3521.48 4870.19 5661.02 152065 13392 21041 21220
5.2 Cards (5.2.1 to 5.2.2) 9755.54 850.63 1237.04 1347.22 45631 4761 4542 5676
5.2.1 PoS based $ 607.15 58.15 74.48 99.63 10690 1107 1287 1893
5.2.2 Others $ 9148.39 792.48 1162.56 1247.59 34941 3654 3255 3784
6 Paper-based Instruments (6.1 to 6.2) 6703.70 719.40 577.00 660.33 5627190 618015 533223 640955
6.1 CTS (NPCI Managed) 6702.54 719.40 577.00 660.33 5625941 618015 533223 640955
6.2 Others 1.17 1249
Total - Retail Payments (2+3+4+5+6) 442557.14 43252.72 64989.85 70857.70 41486430 4240059 4355329 4996908
Total Payments (1+2+3+4+5+6) 444149.06 43416.20 65161.98 71050.48 147086278 14899180 15337107 17963898
Total Digital Payments (1+2+3+4+5) 437445.36 42696.80 64584.98 70390.15 141459089 14281164 14803884 17322943

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2020-21 2020 2021 FY 2020-21 2020 2021
Dec. Nov. Dec. Dec. Nov. Dec.
1 2 3 4 5 6 7 8
A. Other Payment Channels                
1 Mobile Payments (mobile app based) (1.1 to 1.2) 258033.70 25296.64 45548.53 49881.01 9201212 901655 1324008 1433624
1.1 Intra-bank $ 25220.71 2183.03 3732.97 3927.18 1871390 174603 239989 254442
1.2 Inter-bank $ 232812.99 23113.62 41815.57 45953.83 7329822 727052 1084018 1179182
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 32493.63 3147.85 2860.67 3102.24 41581497 4079472 3937877 4530694
2.1 Intra-bank @ 6886.15 637.64 570.26 611.14 20601554 1934396 1788978 2082236
2.2 Inter-bank @ 25607.48 2510.20 2290.41 2491.10 20979943 2145077 2148899 2448458
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 60905.81 5680.37 5691.73 5928.20 2889826 266709 271730 280372
3.1 Using Credit Cards $ 51.41 5.01 5.45 5.90 2560 246 276 295
3.2 Using Debit Cards $ 60602.23 5650.86 5657.83 5893.54 2878025 265569 270515 279100
3.3 Using Pre-paid Cards $ 252.17 24.51 28.44 28.76 9240 893 939 977
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 394.77 39.89 4.82 3.89 1533 149 63 42
4.1 Using Debit Cards $ 353.50 34.53 4.14 3.71 1484 142 39 35
4.2 Using Pre-paid Cards $ 41.27 5.37 0.68 0.18 49 6 24 7
5 Cash Withrawal at Micro ATMs @ 9460.43 715.03 925.63 940.20 225420 19671 25112 25208
5.1 AePS @ 9460.43 715.03 925.63 940.20 225420 19671 25112 25208

PART III - Payment Infrastructures (Lakh)
System As on March 2021 2020 2021
Dec. Nov. Dec.
1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 9602.51 9460.57 10015.90 10066.90
1.1 Credit Cards 620.49 603.97 675.83 689.49
1.2 Debit Cards 8982.02 8856.60 9340.07 9377.42
2 Number of PPIs @ (2.1 to 2.2) 21952.60 20819.05 25918.94 26426.15
2.1 Wallets @ 20052.10 19156.35 23408.81 23828.54
2.2 Cards @ 1900.51 1662.70 2510.13 2597.62
3 Number of ATMs (3.1 to 3.2) 2.39 2.33 2.42 2.41
3.1 Bank owned ATMs $ 2.14 2.08 2.13 2.11
3.2 White Label ATMs $ 0.25 0.25 0.29 0.30
4 Number of Micro ATMs @ 4.04 3.56 5.57 5.91
5 Number of PoS Terminals 47.20 45.85 52.92 54.98
6 Bharat QR @ 35.70 32.00 45.41 46.47
7 UPI QR * 925.22 752.31 1373.33 1440.10
@: 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 –
oInclude transactions done through mobile apps of banks and UPI apps.
oThe 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.

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