43. Payment System Indicators

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Published on June 19, 2024

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43. Payment System Indicators

PART I - Payment System Indicators - Payment & Settlement System Statistics
System	Volume (Lakh)				Value (₹ Crore)
	FY 2023-24	2023	2024		FY 2023-24	2023	2024
	FY 2023-24	Apr.	Mar.	Apr.	FY 2023-24	Apr.	Mar.	Apr.
	1	2	3	4	5	6	7	8
A. Settlement Systems
Financial Market Infrastructures (FMIs)
1 CCIL Operated Systems (1.1 to 1.3)	43.04	3.21	3.48	3.53	259206893	20115131	21627756	22115118
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3)	16.80	1.32	1.14	1.25	170464587	13093142	13374679	14132535
1.1.1 Outright	9.51	0.79	0.60	0.68	13463848	1158660	981057	1023439
1.1.2 Repo	4.94	0.36	0.35	0.38	76718788	6633808	6226720	6510577
1.1.3 Tri-party Repo	2.35	0.17	0.19	0.19	80281951	5300674	6166902	6598519
1.2 Forex Clearing	24.92	1.79	2.27	2.17	80984671	6450151	7795104	7343662
1.3 Rupee Derivatives @	1.31	0.09	0.07	0.11	7757636	571838	457973	638922
B. Payment Systems
I Financial Market Infrastructures (FMIs)	-	-	-	-	-	-	-	-
1 Credit Transfers - RTGS (1.1 to 1.2)	2700.16	201.57	278.47	235.59	170886670	11876806	18128366	14433296
1.1 Customer Transactions	2686.04	200.44	277.25	234.46	152406168	10452024	16588625	12800746
1.2 Interbank Transactions	14.12	1.13	1.22	1.12	18480503	1424781	1539741	1632550
II Retail
2 Credit Transfers - Retail (2.1 to 2.6)	1486106.89	100492.45	152969.08	149083.29	67542859	4834441	7152557	5845989
2.1 AePS (Fund Transfers) @	3.92	0.36	0.34	0.29	261	25	22	19
2.2 APBS $	25888.17	1066.77	3014.53	2535.32	390743	19744	44707	36959
2.3 IMPS	60053.35	4957.93	5806.36	5503.65	6495652	521050	634706	592279
2.4 NACH Cr $	16227.27	1009.42	1808.71	964.06	1525104	117079	173928	121718
2.5 NEFT	72639.50	4825.37	7939.10	7040.03	39136014	2761038	4320840	3130549
2.6 UPI @	1311294.68	88632.60	134400.04	133039.94	19995086	1415505	1978353	1964465
2.6.1 of which USSD @	26.19	1.64	1.78	1.52	352	19	20	18
3 Debit Transfers and Direct Debits (3.1 to 3.3)	18249.53	1398.58	1661.00	1644.10	1687658	120185	165047	159006
3.1 BHIM Aadhaar Pay @	193.59	16.09	22.68	20.50	6112	604	584	563
3.2 NACH Dr $	16426.49	1242.93	1492.00	1494.37	1678769	119338	164223	158223
3.3 NETC (linked to bank account) @	1629.45	139.56	146.32	129.23	2777	243	240	220
4 Card Payments (4.1 to 4.2)	58469.79	4887.94	5034.13	4960.12	2423563	187396	209208	200409
4.1 Credit Cards (4.1.1 to 4.1.2)	35610.15	2592.55	3439.38	3441.51	1831134	132769	164459	156498
4.1.1 PoS based $	18614.08	1408.20	1800.04	1843.36	651911	51624	60378	61982
4.1.2 Others $	16996.08	1184.35	1639.34	1598.15	1179223	81144	104081	94516
4.2 Debit Cards (4.2.1 to 4.2.1 )	22859.64	2295.38	1594.75	1518.61	592429	54627	44749	43911
4.2.1 PoS based $	16477.95	1633.96	1163.77	1126.33	393589	37647	29309	30022
4.2.2 Others $	6381.69	661.43	430.98	392.28	198840	16980	15440	13889
5 Prepaid Payment Instruments (5.1 to 5.2)	78775.40	6442.16	5804.85	5288.79	283048	22634	18200	14964
5.1 Wallets	63256.69	5153.28	4489.88	3993.29	234353	18901	13741	10507
5.2 Cards (5.2.1 to 5.2.2)	15518.71	1288.88	1314.97	1295.49	48695	3733	4459	4457
5.2.1 PoS based $	8429.87	676.69	699.02	695.13	11247	1079	964	962
5.2.2 Others $	7088.84	612.19	615.95	600.37	37447	2653	3495	3495
6 Paper-based Instruments (6.1 to 6.2)	6632.10	554.06	585.31	525.73	7212333	639281	688745	667829
6.1 CTS (NPCI Managed)	6632.10	554.06	585.31	525.73	7212333	639281	688745	667829
6.2 Others	0.00	–	–	–	–	–	–	–
Total - Retail Payments (2+3+4+5+6)	1648233.71	113775.18	166054.37	161502.02	79149461	5803936	8233757	6888198
Total Payments (1+2+3+4+5+6)	1650933.88	113976.75	166332.85	161737.61	250036131	17680742	26362123	21321494
Total Digital Payments (1+2+3+4+5)	1644301.78	113422.69	165747.54	161211.88	242823799	17041461	25673378	20653665

PART II - Payment Modes and Channels
System	Volume (Lakh)				Value (₹ Crore)
	FY 2023-24	2023	2024		FY 2023-24	2023	2024
	FY 2023-24	Apr.	Mar.	Apr.	FY 2023-24	Apr.	Mar.	Apr.
	1	2	3	4	5	6	7	8
A. Other Payment Channels
1 Mobile Payments (mobile app based) (1.1 to 1.2)	1252599.21	83357.17	128625.58	128494.90	30687088	2154813	3131961	2993588
1.1 Intra-bank $	83000.56	5789.55	8771.04	8743.81	5676805	402248	602816	566077
1.2 Inter-bank $	1169598.65	77567.62	119854.54	119751.09	25010283	1752564	2529145	2427511
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2)	45034.98	3406.05	4250.54	3756.42	102117736	7036658	10374045	8806290
2.1 Intra-bank @	12033.28	855.07	1142.99	964.52	53247042	3713764	5235835	4498614
2.2 Inter-bank @	33001.71	2550.98	3107.55	2791.90	48870694	3322894	5138210	4307676
B. ATMs
3 Cash Withdrawal at ATMs $ (3.1 to 3.3)	66440.72	5707.20	5563.96	5240.40	3259388	282873	278271	265905
3.1 Using Credit Cards $	95.80	7.49	8.83	9.07	4648	357	446	458
3.2 Using Debit Cards $	66001.01	5667.31	5528.63	5207.60	3241538	281248	276714	264457
3.3 Using Pre-paid Cards $	343.90	32.40	26.50	23.73	13202	1269	1111	990
4 Cash Withdrawal at PoS $ (4.1 to 4.2)	15.18	2.11	0.53	0.52	148	21	5	5
4.1 Using Debit Cards $	15.06	2.09	0.51	0.50	147	21	5	5
4.2 Using Pre-paid Cards $	0.12	0.02	0.02	0.02	1	0	0	0
5 Cash Withrawal at Micro ATMs @	11754.95	998.82	1059.56	919.05	314003	28954	27303	24502
5.1 AePS @	11754.95	998.82	1059.56	919.05	314003	28954	27303	24502

PART III - Payment Infrastructures (Lakh)
System	As on March 2024	2023	2024
	As on March 2024	Apr.	Mar.	Apr.
	1	2	3	4
Payment System Infrastructures
1 Number of Cards (1.1 to 1.2)	10667.22	10535.25	10667.22	10719.55
1.1 Credit Cards	1018.03	865.13	1018.03	1025.40
1.2 Debit Cards	9649.19	9670.12	9649.19	9694.15
2 Number of PPIs @ (2.1 to 2.2)	16743.63	16585.84	16743.63	14716.82
2.1 Wallets @	13381.80	13338.66	13381.80	11294.83
2.2 Cards @	3361.82	3247.17	3361.82	3421.99
3 Number of ATMs (3.1 to 3.2)	2.58	2.55	2.58	2.57
3.1 Bank owned ATMs $	2.23	2.19	2.23	2.23
3.2 White Label ATMs $	0.35	0.36	0.35	0.35
4 Number of Micro ATMs @	17.55	14.28	17.55	17.37
5 Number of PoS Terminals	89.03	78.37	89.03	88.39
6 Bharat QR @	62.50	54.36	62.50	60.59
7 UPI QR *	3462.03	2609.08	3462.03	3195.01
@: New inclusion w.e.f. November 2019 #: Data reported by Co-operative Banks, LABs and RRBs included with effect from December 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. 1. ECS (Debit and Credit) has been merged with NACH with effect from January 31, 2020. 2. 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. 3. 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 – 4. Include transactions done through mobile apps of banks and UPI apps. 5. 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.