43. Payment System Indicators

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شائع کیا گیا پر مئی 17, 2022

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43. Payment System Indicators

PART I - Payment System Indicators - Payment & Settlement System Statistics
System	Volume (Lakh)				Value (₹ Crore)
	FY 2021-22	2021	2022		FY 2021-22	2021	2022
	FY 2021-22	Mar.	Feb.	Mar.	FY 2021-22	Mar.	Feb.	Mar.
	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	2.92	3.25	206873111	17383479	17994586	20588727
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3)	12.22	0.91	1.10	1.04	142072938	11182301	12914111	13682354
1.1.1 Outright	6.21	0.42	0.58	0.46	8793301	678873	721038	660443
1.1.2 Repo	3.09	0.26	0.25	0.30	51015712	4362390	4221392	5341282
1.1.3 Tri-party Repo	2.92	0.23	0.27	0.27	82263925	6141037	7971681	7680629
1.2 Forex Clearing	19.90	1.95	1.73	2.11	59775826	5828078	4540145	6232193
1.3 Rupee Derivatives @	0.88	0.06	0.10	0.11	5024347	373100	540330	674180
B. Payment Systems
I Financial Market Infrastructures (FMIs)	–	–	–	–	–	–	–	–
1 Credit Transfers - RTGS (1.1 to 1.2)	2078.39	202.35	180.29	230.04	128657517	12982215	10324618	14458955
1.1 Customer Transactions	2063.73	200.70	179.15	228.68	113319291	11427958	9277356	13069669
1.2 Interbank Transactions	14.66	1.65	1.13	1.36	15338225	1554257	1047262	1389286
II Retail
2 Credit Transfers - Retail (2.1 to 2.7)	577631.89	37208.51	55283.72	66272.08	42722829	4053907	3806375	5062364
2.1 AePS (Fund Transfers) @	9.76	1.16	0.51	0.56	575	72	28	35
2.2 APBS $	12298.50	1128.83	629.87	1154.92	133052	11086	13043	15462
2.3 ECS Cr	4920.01	–	–	4920.01	462279	–	–	462279
2.4 IMPS	41705.24	3631.44	4209.31	–	3708759	327236	384404	–
2.5 NACH Cr $	18729.79	1648.84	1536.56	1825.88	1276801	164298	104998	131428
2.6 NEFT	40407.29	3481.39	3632.58	4314.20	28725463	3046329	2477059	3492578
2.7 UPI @	459561.30	27316.85	45274.89	54056.51	8415900	504886	826843	960582
2.7.1 of which USSD @	11.99	0.94	0.68	0.91	177	15	10	12
3 Debit Transfers and Direct Debits (3.1 to 3.4)	12222.27	1038.84	1089.30	1136.67	1038335	86505	90746	98645
3.1 BHIM Aadhaar Pay @	227.73	12.92	15.23	19.47	6114	346	506	640
3.2 ECS Dr	–	–	–	–	–	–	–	–
3.3 NACH Dr $	10787.53	920.42	948.20	979.27	1030532	86005	90056	97801
3.4 NETC (linked to bank account) @	1207.01	105.50	125.87	137.93	1690	154	184	204
4 Card Payments (4.1 to 4.2)	61785.64	5650.32	4840.43	5515.40	1701900	139705	143106	171214
4.1 Credit Cards (4.1.1 to 4.1.2)	22398.83	1887.27	1884.24	2237.51	971632	72319	86041	107101
4.1.1 PoS based $	11124.59	1012.86	963.40	1134.33	380640	33286	32500	38773
4.1.2 Others $	11274.23	874.41	920.84	1103.18	590992	39033	53541	68328
4.2 Debit Cards (4.2.1 to 4.2.1)	39476.78	3763.05	2956.19	3277.89	731368	67386	57065	64113
4.2.1 PoS based $	23059.81	2229.12	1845.45	2081.16	452711	42816	36376	40831
4.2.2 Others $	16416.97	1533.93	1110.75	1196.73	278658	24570	20689	23282
5 Prepaid Payment Instruments (5.1 to 5.2)	65812.39	5201.05	5626.89	6567.09	293658	21372	24649	27865
5.1 Wallets	52683.01	4182.92	4386.09	5016.86	226645	14856	17259	20054
5.2 Cards (5.2.1 to 5.2.2)	13129.38	1018.13	1240.79	1550.23	67014	6516	7390	7811
5.2.1 PoS based $	1066.47	59.48	126.61	164.77	18123	1453	3360	2860
5.2.2 Others $	12062.91	958.65	1114.18	1385.46	48891	5063	4030	4951
6 Paper-based Instruments (6.1 to 6.2)	6999.12	806.59	581.98	702.93	6650332	722031	615321	694335
6.1 CTS (NPCI Managed)	6999.12	806.59	581.98	702.93	6650332	722031	615321	694335
6.2 Others	0.00	0.00	0.00	0.00	–	–	–	–
Total - Retail Payments (2+3+4+5+6)	724451.29	49905.31	67422.32	80194.17	52407055	5023520	4680197	6054424
Total Payments (1+2+3+4+5+6)	726529.68	50107.66	67602.60	80424.21	181064571	18005734	15004815	20513379
Total Digital Payments (1+2+3+4+5)	719530.55	49301.07	67020.62	79721.28	174414239	17283703	14389494	19819044

PART II - Payment Modes and Channels
System	Volume (Lakh)				Value (₹ Crore)
	FY 2021-22	2021	2022		FY 2021-22	2021	2022
	FY 2021-22	Mar.	Feb.	Mar.	FY 2021-22	Mar.	Feb.	Mar.
	1	2	3	4	5	6	7	8
A. Other Payment Channels
1 Mobile Payments (mobile app based) (1.1 to 1.2)	507531	33082.40	48507.66	57378.43	14970883	1248779	1395093	1650284
1.1 Intra-bank $	40806	4852.88	3626.98	4218.03	2723849	270764	246931	296045
1.2 Inter-bank $	466726	28229.52	44880.68	53160.39	12247034	978015	1148163	1354239
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2)	35667	3390.80	2697.65	3574.14	49787576	4976087	3824220	8520751
2.1 Intra-bank @	7032	707.26	552.69	654.75	23192702	2355028	1635618	5037166
2.2 Inter-bank @	28635	2683.55	2144.96	2919.39	26594875	2621059	2188602	3483584
B. ATMs
3 Cash Withdrawal at ATMs $ (3.1 to 3.3)	65084	6040.02	5300.30	5767.24	3105624	285268	256463	281048
3.1 Using Credit Cards $	62	5.92	5.29	6.80	3130	307	264	344
3.2 Using Debit Cards $	64695	6007.92	5266.81	5728.28	3091415	283955	255218	279567
3.3 Using Pre-paid Cards $	327	26.18	28.20	32.16	11079	1007	981	1138
4 Cash Withdrawal at PoS $ (4.1 to 4.2)	92	22.38	2.46	2.79	793	119	39	57
4.1 Using Debit Cards $	79	19.49	2.15	2.21	557	114	20	21
4.2 Using Pre-paid Cards $	12	2.90	0.32	0.57	236	5	19	36
5 Cash Withrawal at Micro ATMs @	11126	763.86	928.46	1032.68	299776	22276	24975	28479
5.1 AePS @	11126	763.86	928.46	1032.68	299776	22276	24975	28479

PART III - Payment Infrastructures (Lakh)
System	FY 2021-22	2021	2022
System	FY 2021-22	Mar.	Feb.	Mar.
	1	2	3	4
Payment System Infrastructures
1 Number of Cards (1.1 to 1.2)	118458.27	9602.51	10067.74	9912.93
1.1 Credit Cards	7983.22	620.49	717.08	736.27
1.2 Debit Cards	110475.05	8982.02	9350.66	9176.66
2 Number of PPIs @ (2.1 to 2.2)	296736.79	21952.60	27320.10	27408.39
2.1 Wallets @	268372.27	20052.10	24605.03	24645.40
2.2 Cards @	28364.52	1900.51	2715.07	2762.98
3 Number of ATMs and CRMs (3.1 to 3.2)	29.21	2.39	2.47	2.48
3.1 Bank owned ATMs $ and CRMs #	25.82	2.14	2.16	2.17
3.2 White Label ATMs $	3.39	0.25	0.31	0.32
4 Number of Micro ATMs @	65.95	4.04	7.16	7.81
5 Number of PoS Terminals	615.09	47.20	58.34	60.70
6 Bharat QR @	575.98	35.70	48.27	49.72
7 UPI QR *	15324.59	925.22	1600.19	1727.34
@: New inclusion w.e.f. November 2019. #: Data reported by Co-operative Banks, LABs and RRBs included with effect from Dec 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. 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.