System

Volume (Million)

Value (` Billion)

2012-13

2013

2014

2012-13

2013

2014

Nov.

Dec.

Jan.

Nov.

Dec.

Jan.

1

2

3

4

5

6

7

8

1 RTGS

68.52

6.38

7.02

7.13

1,026,350.05

65,001.51

78,175.06

76,978.21

1.1 Customer Transactions

63.99

6.03

6.65

6.74

512,997.84

41,460.07

50,502.73

48,899.46

1.2 Interbank Transactions

4.52

0.35

0.37

0.38

163,843.20

11,045.19

13,347.65

13,022.37

1.3 Interbank Clearing

0.009

0.001

0.001

0.001

349,509.02

12,496.25

14,324.68

15,056.38

2 CCIL Operated Systems

2.26

0.18

0.17

0.23

501,598.49

43,116.68

47,819.00

33,022.54

2.1 CBLO

0.16

0.01

0.02

0.02

120,480.39

12,491.80

13,935.55

14,459.91

2.2 Govt. Securities Clearing

0.70

0.05

0.04

0.09

119,947.98

10,395.04

9,443.67

14,539.69

2.2.1 Outright

0.66

0.05

0.04

0.09

65,920.33

4,995.69

4,287.45

8,435.78

2.2.2 Repo

0.041

0.004

0.003

0.004

54,027.65

5,399.35

5,156.22

6,103.91

2.3 Forex Clearing

1.40

0.11

0.12

0.13

261,170.12

20,229.84

24,439.78

4,022.94

3 Paper Clearing

1,313.48

86.87

100.25

104.14

99,982.25

6,488.55

8,196.93

7,670.84

3.1 Cheque Truncation System (CTS)

275.04

49.82

58.81

66.76

21,779.52

3,596.62

4,398.91

4,991.89

3.2 MICR Clearing

823.31

21.85

23.82

20.58

57,503.97

1,725.00

2,402.09

1,371.23

3.2.1 RBI Centres

496.81

8.83

9.95

5.62

36,045.97

846.60

720.55

386.83

3.2.2 Other Centres

326.50

13.02

13.86

14.96

21,458.00

878.40

1,681.54

984.40

3.3 Non-MICR Clearing

215.31

15.21

17.63

16.80

20,898.28

1,166.93

1,395.93

1,307.73

4 Retail Electronic Clearing

694.07

81.75

88.65

95.41

31,881.14

3,617.12

4,292.49

4,168.44

4.1 ECS DR

176.53

17.41

16.15

16.55

1,083.10

105.04

108.56

113.41

4.2 ECS CR (includes NECS)

122.18

10.32

10.21

10.91

1,771.28

170.62

242.95

170.30

4.3 EFT/NEFT

394.13

52.65

60.36

65.91

29,022.42

3,332.64

3,929.28

3,871.54

4.4 Immediate Payment Service (IMPS)

1.23

1.38

1.93

2.03

4.33

8.82

11.70

13.20

5 Cards

6,398.35

627.36

626.12

638.07

18,637.36

1,867.04

1,910.98

1,950.42

5.1 Credit Cards

399.13

42.07

45.91

45.85

1,243.93

127.89

136.57

143.13

5.1.1 Usage at ATMs

2.52

0.24

0.27

0.27

14.42

1.34

1.51

1.51

5.1.2 Usage at POS

396.61

41.84

45.64

45.58

1,229.51

126.55

135.07

141.62

5.2 Debit Cards

5,999.21

585.29

580.21

592.22

17,393.44

1,739.15

1,774.40

1,807.30

5.2.1 Usage at ATMs

5,530.16

533.39

527.92

538.39

16,650.08

1,655.03

1,692.47

1,722.32

5.2.2 Usage at POS

469.05

51.90

52.29

53.83

743.36

84.12

81.94

84.98

6 Prepaid Payment Instruments (PPIs)

66.94

9.65

10.78

13.02

79.22

6.21

7.17

6.83

6.1 m-Wallet

32.70

7.46

8.58

10.83

10.01

1.93

2.48

2.31

6.2 PPI Cards

33.76

2.15

2.16

2.15

49.62

2.57

2.54

2.57

6.3 Paper Vouchers

0.48

0.04

0.05

0.04

19.60

1.71

2.15

1.95

7 Mobile Banking

53.30

8.13

8.89

9.52

59.90

19.57

22.61

26.25

8 Cards Outstanding

350.75

400.23

391.22

399.33

–

–

–

–

8.1 Credit Card

19.55

18.77

18.71

19.00

–

–

–

–

8.2 Debit Card

331.20

381.46

372.51

380.33

–

–

–

–

9 Number of ATMs (in actuals)

114014

137080

141515

145858

–

–

–

–

10 Number of POS (in actuals)

854290

975749

1025710

1034161

–

–

–

–

11 Grand Total (1.1+1.2+2+3+4+5+6)

8,543.60

812.19

833.00

858.00

1,329,019.50

107,600.85

126,076.95

108,740.91