43. Payment System Indicators

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Published on December 11, 2018

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43. Payment System Indicators

System	Volume (Million)				Value (₹ Billion)
	2017-18	2018			2017-18	2018
	2017-18	Aug.	Sep.	Oct.	2017-18	Aug.	Sep.	Oct.
	1	2	3	4	5	6	7	8
1 RTGS	124.46	11.01	10.40	11.86	1,467,431.99	138,236.20	131,257.97	142,152.55
1.1 Customer Transactions	120.71	10.74	10.14	11.58	1,036,698.74	97,993.53	91,806.84	97,944.08
1.2 Interbank Transactions	3.72	0.27	0.26	0.28	130,426.03	11,220.57	12,230.50	13,912.67
1.3 Interbank Clearing	0.024	0.002	0.002	0.002	300,307.22	29,022.11	27,220.63	30,295.81
2 CCIL Operated Systems	3.50	0.30	0.31	0.32	1,074,802.02	91,744.59	93,394.77	115,017.56
2.1 CBLO	0.20	0.02	0.02	0.02	283,307.58	24,676.92	25,897.95	32,597.57
2.2 Govt. Securities Clearing	1.12	0.08	0.09	0.09	370,363.78	29,516.02	30,728.67	39,571.40
2.2.1 Outright	0.92	0.06	0.07	0.07	113,998.80	7,284.65	7,560.09	7,701.86
2.2.2 Repo	0.199	0.018	0.017	0.021	256,364.98	22,231.38	23,168.58	31,869.53
2.3 Forex Clearing	2.17	0.20	0.20	0.21	421,130.66	37,551.65	36,768.15	42,848.59
3 Paper Clearing	1,171.31	94.46	88.02	98.90	81,934.93	6,704.56	6,343.67	7,025.36
3.1 Cheque Truncation System (CTS)	1,138.05	93.42	87.28	97.80	79,451.24	6,632.71	6,289.79	6,948.47
3.2 MICR Clearing	–	-	-	-	–	–	–	–
3.2.1 RBI Centres	–	-	-	-	–	–	–	–
3.2.2 Other Centres	–	-	-	-	–	–	–	–
3.3 Non-MICR Clearing	33.27	1.04	0.74	1.10	2,483.68	71.85	53.89	76.89
4 Retail Electronic Clearing	5,467.29	587.20	552.46	612.11	192,017.98	21,071.67	20,328.48	22,035.92
4.1 ECS DR	1.54	0.41	0.04	0.04	9.72	9.73	0.31	0.25
4.2 ECS CR (includes NECS)	6.14	0.05	0.52	0.66	118.64	0.29	10.28	16.03
4.3 EFT/NEFT	1,946.36	193.20	181.01	209.04	172,228.52	18,712.45	18,015.50	19,227.03
4.4 Immediate Payment Service (IMPS)	1,009.80	133.58	135.74	154.62	8,924.98	1,237.34	1,256.40	1,403.07
4.5 National Automated Clearing House (NACH)	2,503.46	259.96	235.15	247.75	10,736.12	1,111.87	1,046.00	1,389.55
5 Cards	13,358.62	1,307.74	1,300.42	1,424.97	38,214.64	3,733.16	3,613.73	4,042.86
5.1 Credit Cards	1,412.97	145.04	139.03	161.97	4,626.33	483.68	464.72	565.96
5.1.1 Usage at ATMs	7.81	0.84	0.80	0.91	36.68	3.86	3.72	4.18
5.1.2 Usage at POS	1,405.16	144.20	138.23	161.06	4,589.65	479.82	461.01	561.78
5.2 Debit Cards	11,945.65	1,162.69	1,161.39	1,263.00	33,588.31	3,249.48	3,149.01	3,476.90
5.2.1 Usage at ATMs	8,602.26	805.52	798.65	869.61	28,987.61	2,759.76	2,690.60	2,933.92
5.2.2 Usage at POS	3,343.39	357.17	362.75	393.39	4,600.70	489.72	458.41	542.98
6 Prepaid Payment Instruments (PPIs)	3,459.05	373.39	357.86	420.20	1,416.34	189.94	177.49	221.28
6.1 m-Wallet	3,025.98	341.10	324.16	368.45	1,086.75	155.87	151.02	187.86
6.2 PPI Cards	432.63	32.29	33.70	51.75	310.41	34.08	26.47	33.42
6.3 Paper Vouchers	0.44	–	–	–	19.19	–	–	–
7 Mobile Banking	1,872.26	390.92	489.26	527.02	14,738.54	2,065.46	2,165.08	2,369.40
8 Cards Outstanding	898.56	1,021.23	1,031.56	1,041.28	–	–	–	–
8.1 Credit Card	37.48	41.04	41.78	42.68	–	–	–	–
8.2 Debit Card	861.08	980.19	989.79	998.61	–	–	–	–
9 Number of ATMs (in actuals)	222247	221083	221492	220154	–	–	–	–
10 Number of POS (in actuals)	3083067	3332484	3393396	3450355	–	–	–	–
11 Grand Total (1.1+1.2+2+3+4+5+6)	23,584.20	2,374.09	2,309.47	2,568.37	2,555,510.68	232,658.02	227,895.49	260,199.73
Note : Data for latest 12 month period is provisional. Mobile Banking - 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. 1.3: Pertain to multiateral net settlement batches. 3.1: Pertain to three centres – Mumbai, New Delhi and Chennai. 3.3: Pertain to clearing houses managed by 21 banks. 6: Available from December 2010. 7: Include IMPS transactions. 9: Includes ATMs deployed by Scheduled Commercial banks and White Label ATMs (WLA). WLA are included from April 2014 onwards. Mobile Banking - 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.