Payment System Indicators - November 2024 - RBI - Reserve Bank of India
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Payment System Indicators - November 2024
| Payment System Indicators | ||||||||
|---|---|---|---|---|---|---|---|---|
| PART I - Payment System Indicators - Payment & Settlement System Statistics | ||||||||
| PART I - Payment System Indicators - Payment & Settlement System Statistics | ||||||||
| Volume (lakh) | Value (₹ crore) | |||||||
| FY 2023-24 | 2023 November |
2024 | 2024 | FY 2023-24 | 2023 November |
2024 | 2024 | |
| October | November | October | November | |||||
| 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
| A. Settlement Systems | ||||||||
| Financial Market Infrastructures (FMIs) | ||||||||
| 1 CCIL Operated Systems | 43.04 | 3.08 | 3.59 | 2.61 | 259206893 | 21011085 | 25730864 | 20592498 |
| 1.1 Govt. Securities Clearing | 16.80 | 1.24 | 1.69 | 1.10 | 170464587 | 13568124 | 16664120 | 13954925 |
| 1.1.1 Outright | 9.51 | 0.64 | 1.04 | 0.54 | 13463848 | 939382 | 1626397 | 847485 |
| 1.1.2 Repo | 4.94 | 0.41 | 0.41 | 0.35 | 76718788 | 5919154 | 6573748 | 5366007 |
| 1.1.3 Tri-party Repo | 2.35 | 0.19 | 0.23 | 0.20 | 80281951 | 6709589 | 8463975 | 7741434 |
| 1.2 Forex Clearing | 24.92 | 1.74 | 1.74 | 1.40 | 80984671 | 6922315 | 8046345 | 5972544 |
| 1.3 Rupee Derivatives @ | 1.31 | 0.10 | 0.16 | 0.11 | 7757636 | 520645 | 1020399 | 665029 |
| B. Payment Systems | ||||||||
| I Financial Market Infrastructures (FMIs) | ||||||||
| 1 Credit Transfers - RTGS | 2700.16 | 219.20 | 267.92 | 240.29 | 170886670 | 13591443 | 17070975 | 14826882 |
| 1.1 Customer Transactions | 2686.04 | 218.05 | 266.69 | 239.16 | 152406168 | 12078797 | 15418778 | 13504833 |
| 1.2 Interbank Transactions | 14.12 | 1.15 | 1.23 | 1.12 | 18480503 | 1512645 | 1652197 | 1322050 |
| II Retail | ||||||||
| 2 Credit Transfers - Retail | 1486106.89 | 128072.73 | 185187.17 | 170358.50 | 67542859 | 5673303 | 7358283 | 6274182 |
| 2.1 AePS (Fund Transfers) @ | 3.92 | 0.30 | 0.31 | 0.30 | 261 | 19 | 17 | 14 |
| 2.2 APBS $ | 25888.17 | 3221.01 | 4021.91 | 2250.97 | 390743 | 47635 | 69157 | 32384 |
| 2.3 IMPS | 60053.35 | 4723.84 | 4668.23 | 4079.18 | 6495652 | 535002 | 629382 | 558328 |
| 2.4 NACH Cr $ | 16227.27 | 1380.65 | 1463.68 | 1438.33 | 1525104 | 142415 | 157479 | 147385 |
| 2.5 NEFT | 72639.50 | 6394.01 | 9183.38 | 7769.51 | 39136014 | 3208491 | 4152428 | 3380884 |
| 2.6 UPI @ | 1311294.68 | 112352.92 | 165849.66 | 154820.21 | 19995086 | 1739741 | 2349821 | 2155187 |
| 2.6.1 of which USSD @ | 26.19 | 2.69 | 1.64 | 1.56 | 352 | 37 | 18 | 16 |
| 3 Debit Transfers and Direct Debits | 18249.53 | 1527.84 | 1871.73 | 1894.74 | 1687658 | 142456 | 189818 | 185643 |
| 3.1 BHIM Aadhaar Pay @ | 193.59 | 18.82 | 24.54 | 19.29 | 6112 | 590 | 773 | 629 |
| 3.2 NACH Dr $ | 16426.49 | 1376.66 | 1710.21 | 1732.94 | 1678769 | 141646 | 188844 | 184814 |
| 3.3 NETC (linked to bank account) @ | 1629.45 | 132.36 | 136.98 | 142.51 | 2777 | 220 | 202 | 200 |
| 4 Card Payments | 58469.79 | 4742.56 | 5762.99 | 5171.02 | 2423563 | 210038 | 248709 | 208387 |
| 4.1 Credit Cards | 35610.15 | 2970.90 | 4332.14 | 3936.04 | 1831134 | 160644 | 201789 | 169298 |
| 4.1.1 PoS based $ | 18614.08 | 1583.66 | 2196.73 | 2036.02 | 651911 | 59015 | 79293 | 68233 |
| 4.1.2 Others $ | 16996.08 | 1387.24 | 2135.41 | 1900.02 | 1179223 | 101629 | 122496 | 101065 |
| 4.2 Debit Cards | 22859.64 | 1771.66 | 1430.85 | 1234.98 | 592429 | 49394 | 46920 | 39089 |
| 4.2.1 PoS based $ | 16477.95 | 1301.95 | 1063.85 | 919.33 | 393589 | 34379 | 32182 | 26756 |
| 4.2.2 Others $ | 6381.69 | 469.71 | 367.00 | 315.65 | 198840 | 15015 | 14738 | 12333 |
| 5 Prepaid Payment Instruments | 78775.40 | 6510.09 | 5977.88 | 5847.81 | 283048 | 24248 | 20419 | 19214 |
| 5.1 Wallets | 63256.69 | 5308.63 | 4425.20 | 4462.09 | 234353 | 19853 | 13074 | 13130 |
| 5.2 Cards | 15518.71 | 1201.46 | 1552.68 | 1385.72 | 48695 | 4394 | 7345 | 6083 |
| 5.2.1 PoS based $ | 8429.87 | 662.14 | 718.88 | 663.27 | 11247 | 891 | 981 | 915 |
| 5.2.2 Others $ | 7088.84 | 539.32 | 833.81 | 722.45 | 37447 | 3504 | 6365 | 5168 |
| 6 Paper-based Instruments | 6632.10 | 525.55 | 546.98 | 472.48 | 7212333 | 558866 | 624057 | 537849 |
| 6.1 CTS (NPCI Managed) | 6632.10 | 525.55 | 546.98 | 472.48 | 7212333 | 558866 | 624057 | 537849 |
| 6.2 Others | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Retail Payments (2+3+4+5+6) | 1648233.71 | 141378.76 | 199346.75 | 183744.55 | 79149461 | 6608910 | 8441287 | 7225275 |
| Total Payments (1+2+3+4+5+6) | 1650933.88 | 141597.96 | 199614.67 | 183984.84 | 250036131 | 20200353 | 25512262 | 22052158 |
| Total Digital Payments (1+2+3+4+5) | 1644301.78 | 141072.41 | 199067.69 | 183512.36 | 242823799 | 19641487 | 24888205 | 21514309 |
| PART II - Payment Modes and Channels | ||||||||
| Volume (lakh) | Value (₹ crore) | |||||||
| FY 2023-24 | 2023 November |
2024 | 2024 | FY 2023-24 | 2023 November |
2024 | 2024 | |
| October | November | October | November | |||||
| 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
| A. Other Payment Channels | ||||||||
| 1 Mobile Payments (mobile app based) | 1252599.21 | 108646.12 | 154874.97 | 144939.48 | 30687088 | 2646783 | 3532207 | 3215469 |
| 1.1 Intra-bank $ | 83000.56 | 6927.98 | 9126.57 | 8518.56 | 5676805 | 478326 | 657333 | 598558 |
| 1.2 Inter-bank $ | 1169598.65 | 101718.14 | 145748.39 | 136420.92 | 25010283 | 2168458 | 2874874 | 2616911 |
| 2 Internet Payments (Netbanking / internet browser based) @ | 45034.98 | 3622.58 | 4232.23 | 3624.01 | 102117736 | 8033440 | 10303412 | 9002230 |
| 2.1 Intra-bank @ | 12033.28 | 988.62 | 1151.19 | 1024.09 | 53247042 | 4130936 | 5085518 | 4483631 |
| 2.2 Inter-bank @ | 33001.71 | 2633.96 | 3081.04 | 2599.92 | 48870694 | 3902504 | 5217894 | 4518598 |
| B. ATMs | ||||||||
| 3. Cash Withdrawal at ATMs $ | 66440.72 | 5542.64 | 5545.04 | 4760.71 | 3259388 | 276530 | 285506 | 241717 |
| 3.1 Using Credit Cards $ | 95.80 | 7.89 | 8.32 | 7.75 | 4648 | 391 | 444 | 410 |
| 3.2 Using Debit Cards $ | 66001.01 | 5505.75 | 5515.23 | 4734.61 | 3241538 | 275032 | 284076 | 240471 |
| 3.3 Using Pre-paid Cards $ | 343.90 | 28.99 | 21.49 | 18.35 | 13202 | 1107 | 985 | 837 |
| 4. Cash Withdrawal at PoS $ | 15.18 | 0.75 | 0.29 | 0.28 | 148 | 7 | 3 | 3 |
| 4.1 Using Debit Cards $ | 15.06 | 0.75 | 0.28 | 0.27 | 147 | 7 | 3 | 3 |
| 4.2 Using Pre-paid Cards $ | 0.12 | 0.01 | 0.01 | 0.02 | 1 | 0 | 0 | 0 |
| 5. Cash Withdrawal at Micro ATMs @ | 11754.95 | 1079.59 | 1227.30 | 898.33 | 314003 | 28972 | 31480 | 22981 |
| 5.1 AePS @ | 11754.95 | 1079.59 | 1227.30 | 898.33 | 314003 | 28972 | 31480 | 22981 |
| PART III - Payment Infrastructures (lakh) | ||||
|---|---|---|---|---|
| As on March 2024 | 2023 November |
2024 | 2024 | |
| October | November | |||
| 1 | 2 | 3 | 4 | |
| Payment System Infrastructures | ||||
| 1 Number of Cards | 10667.22 | 10725.71 | 11017.88 | 11008.78 |
| 1.1 Credit Cards | 1018.03 | 960.01 | 1068.90 | 1072.40 |
| 1.2 Debit Cards | 9649.19 | 9765.69 | 9948.98 | 9936.38 |
| 2 Number of PPIs @ | 16743.63 | 16944.31 | 15503.27 | 15624.08 |
| 2.1 Wallets @ | 13381.80 | 13758.21 | 11439.31 | 11460.53 |
| 2.2 Cards @ | 3361.82 | 3186.10 | 4063.95 | 4163.55 |
| 3 Number of ATMs and CRMs | 2.58 | 2.58 | 2.56 | 2.55 |
| 3.1 Bank owned ATMs$ and CRMs# | 2.23 | 2.24 | 2.21 | 2.20 |
| 3.2 White Label ATMs $ | 0.35 | 0.34 | 0.35 | 0.35 |
| 4 Number of Micro ATMs @ | 17.55 | 15.87 | 14.43 | 14.43 |
| 5 Number of PoS Terminals | 89.03 | 84.32 | 95.09 | 96.91 |
| 6 Bharat QR @ | 62.50 | 58.74 | 64.31 | 63.60 |
| 7 UPI QR * | 3434.93 | 3087.39 | 6167.67 | 6260.92 |
| PART IV - Payment Modes and Channels (International) | ||||
|---|---|---|---|---|
| Details of International transactions done using cards (credit, debit and PPI) issued in India | ||||
| Volume (lakh) | Value (₹ crore) | |||
| 2024 | 2024 | 2024 | 2024 | |
| October | November | October | November | |
| 1. Card Payments | 122.72 | 114.04 | 9151 | 8514 |
| 1.1 Credit Cards | 77.03 | 71.79 | 6796 | 6433 |
| 1.1.1 PoS based | 31.64 | 28.38 | 2246 | 2100 |
| 1.1.2 Online | 45.38 | 43.41 | 4550 | 4333 |
| 1.2 Debit Cards | 45.69 | 42.24 | 2355 | 2081 |
| 1.2.1 PoS based | 22.04 | 19.97 | 968 | 805 |
| 1.2.2 Online | 23.65 | 22.27 | 1388 | 1276 |
| 2. Prepaid Payment Instruments | 39.97 | 32.04 | 1523 | 1216 |
| 2.1 PoS based | 34.57 | 27.59 | 1204 | 977 |
| 2.2 Online | 5.40 | 4.45 | 319 | 239 |
| 3. Cash Withdrawal at ATMs | 6.81 | 6.17 | 1638 | 1378 |
| 3.1 Using Credit Cards | 0.53 | 0.46 | 109 | 87 |
| 3.2 Using Debit Cards | 4.20 | 3.94 | 809 | 702 |
| 3.3 Using PPIs | 2.08 | 1.77 | 720 | 588 |
| Total International Payments | 169.49 | 152.25 | 12312 | 11107 |
| PART V - Domestic Payment Frauds | ||||
| Volume (Lakh) | Value (Crore) | One in every X payment transaction fraudulent | FTS (Fraud / Payment Value * 10000) | |
| September 2022 | 1.71 | 249 | 58177.41 | 0.127 bps |
| October 2022 | 1.79 | 220 | 59533.35 | 0.127 bps |
| November 2022 | 2.06 | 257 | 50620.69 | 0.143 bps |
| December 2022 | 1.54 | 204 | 72426.75 | 0.103 bps |
| January 2023 | 1.57 | 195 | 71681.44 | 0.106 bps |
| February 2023 | 2.29 | 317 | 47018.00 | 0.177 bps |
| March 2023 | 2.25 | 333 | 53907.48 | 0.142 bps |
| April 2023 | 1.75 | 273 | 68927.36 | 0.152 bps |
| May 2023 | 2.03 | 285 | 63051.71 | 0.147 bps |
| June 2023 | 1.74 | 265 | 72554.96 | 0.128 bps |
| July 2023 | 2.24 | 286 | 59898.87 | 0.146 bps |
| August 2023 | 2.40 | 320 | 58391.71 | 0.157 bps |
| September 2023 | 2.52 | 366 | 55057.76 | 0.174 bps |
| October 2023 | 2.23 | 335 | 66950.05 | 0.164 bps |
| November 2023 | 2.57 | 428 | 57618.81 | 0.209 bps |
| December 2023 | 2.92 | 432 | 53327.09 | 0.187 bps |
| January 2024 | 2.69 | 435 | 56335.82 | 0.207 bps |
| February 2024 | 2.57 | 507 | 61162.60 | 0.231 bps |
| March 2024 | 2.57 | 471 | 67394.38 | 0.177 bps |
| April 2024 | 2.38 | 414 | 70681.81 | 0.191 bps |
| May 2024 | 2.81 | 545 | 62637.44 | 0.240 bps |
| June 2024 | 2.36 | 480 | 73786.50 | 0.206 bps |
| July 2024 | 2.54 | 462 | 71157.30 | 0.194 bps |
| August 2024 | 2.34 | 401 | 79284.04 | 0.170 bps |
| September 2024 | 2.19 | 401 | 84751.16 | 0.158 bps |
| October 2024 | 2.35 | 411 | 87719.87 | 0.159 bps |
| November 2024 | 2.03 | 345 | 93298.98 | 0.155 bps |
| 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. 5. Data on domestic payment fraud statistics as reported by Scheduled Commercial Banks (excluding RRBs), Non-bank PPI issuers and Non-bank Credit Card issuers in CPFIR (Central Payments Fraud Information Registry). 6. Data does not include attempts to perpetrate frauds. |
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