| PART I - Payment System Indicators - Payment & Settlement System Statistics |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2020-21 |
2021 January |
2021 |
2022 |
FY 2020-21 |
2021
January |
2021 |
2022 |
| December |
January |
December |
January |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Settlement Systems |
|
|
|
|
|
|
|
|
| Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 CCIL Operated Systems |
27.97 |
2.32 |
3.13 |
2.54 |
161943141 |
15723500 |
20703988 |
17839802 |
| 1.1 Govt. Securities Clearing |
11.55 |
0.93 |
1.10 |
0.93 |
110634315 |
10875915 |
14801512 |
12892869 |
| 1.1.1 Outright |
6.28 |
0.48 |
0.48 |
0.40 |
10032187 |
657843 |
651103 |
569722 |
| 1.1.2 Repo |
2.84 |
0.22 |
0.30 |
0.26 |
43751173 |
3848935 |
5075401 |
4348558 |
| 1.1.3 Tri-party Repo |
2.43 |
0.24 |
0.31 |
0.28 |
56850956 |
6369137 |
9075009 |
7974589 |
| 1.2 Forex Clearing |
16.04 |
1.35 |
1.96 |
1.52 |
48903961 |
4576570 |
5516604 |
4470518 |
| 1.3 Rupee Derivatives @ |
0.38 |
0.04 |
0.07 |
0.09 |
2404865 |
271015 |
385873 |
476415 |
| B. Payment Systems |
|
|
|
|
|
|
|
|
| I Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 Credit Transfers - RTGS |
1591.92 |
156.68 |
192.78 |
181.29 |
105599849 |
9170162 |
12966991 |
10449109 |
| 1.1 Customer Transactions |
1573.47 |
155.07 |
191.50 |
180.08 |
91008367 |
7854553 |
11418233 |
9285159 |
| 1.2 Interbank Transactions |
18.45 |
1.61 |
1.29 |
1.21 |
14591482 |
1315609 |
1548758 |
1163950 |
| II Retail |
|
|
|
|
|
|
|
|
| 2 Credit Transfers - Retail |
317867.74 |
31708.24 |
56422.79 |
57362.63 |
33504226 |
2990835 |
4076395 |
3803991 |
| 2.1 AePS (Fund Transfers) @ |
11.31 |
1.09 |
0.65 |
0.55 |
623 |
65 |
36 |
29 |
| 2.2 APBS $ |
14372.99 |
1224.28 |
1082.20 |
1106.32 |
111001 |
8500 |
14987 |
18048 |
| 2.3 IMPS |
32783.47 |
3465.52 |
4429.86 |
4401.73 |
2941500 |
288538 |
396411 |
387007 |
| 2.4 NACH Cr $ |
16465.44 |
1115.13 |
1483.71 |
2053.44 |
1216535 |
96681 |
113132 |
124228 |
| 2.5 NEFT |
30927.89 |
2874.93 |
3763.38 |
3629.03 |
25130910 |
2165869 |
2724980 |
2442686 |
| 2.6 UPI @ |
223306.64 |
23027.28 |
45662.99 |
46171.56 |
4103658 |
431182 |
826848 |
831993 |
| 2.6.1 of which USSD @ |
10.45 |
0.92 |
1.12 |
0.81 |
172 |
15 |
16 |
11 |
| 3 Debit Transfers and Direct Debits |
10456.54 |
928.08 |
1064.54 |
1059.01 |
865520 |
79372 |
91163 |
91554 |
| 3.1 BHIM Aadhaar Pay @ |
160.84 |
10.29 |
19.59 |
24.47 |
2580 |
214 |
611 |
728 |
| 3.2 NACH Dr $ |
9645.75 |
839.08 |
937.92 |
934.07 |
862027 |
79044 |
90426 |
90703 |
| 3.3 NETC (linked to bank account) @ |
649.96 |
78.71 |
107.03 |
100.47 |
913 |
113 |
126 |
123 |
| 4 Card Payments |
57,786.60 |
5,443.74 |
5,611.80 |
5,151.05 |
12,91,799 |
1,27,894 |
1,60,398 |
1,47,794 |
| 4.1 Credit Cards |
17,641.06 |
1,744.20 |
2,112.59 |
1,958.05 |
6,30,414 |
64,737 |
93,907 |
87,769 |
| 4.1.1 PoS based $ |
8688.81 |
926.09 |
1093.48 |
960.63 |
280769 |
29409 |
36713 |
32735 |
| 4.1.2 Others $ |
8952.25 |
818.11 |
1019.10 |
997.43 |
349645 |
35328 |
57195 |
55034 |
| 4.2 Debit Cards |
40,145.54 |
3,699.54 |
3,499.21 |
3,193.00 |
661385 |
63157 |
66491 |
60025 |
| 4.2.1 PoS based $ |
20773.50 |
2132.37 |
2202.51 |
1924.51 |
377630 |
39189 |
43062 |
37274 |
| 4.2.2 Others $ |
19372.04 |
1567.18 |
1296.71 |
1268.48 |
283755 |
23969 |
23429 |
22752 |
| 5 Prepaid Payment Instruments |
49,742.55 |
4,427.00 |
7,008.24 |
5,865.60 |
197696 |
19419 |
26896 |
26105 |
| 5.1 Wallets |
39987.01 |
3499.66 |
5661.02 |
4613.76 |
152065 |
13577 |
21220 |
19789 |
| 5.2 Cards |
9,755.54 |
927.34 |
1,347.22 |
1,251.85 |
45631 |
5842 |
5676 |
6316 |
| 5.2.1 PoS based $ |
607.15 |
61.52 |
99.63 |
114.11 |
10591 |
1433 |
1893 |
2307 |
| 5.2.2 Others $ |
9148.39 |
865.83 |
1247.59 |
1137.73 |
35040 |
4410 |
3784 |
4009 |
| 6 Paper-based Instruments |
6,703.70 |
657.01 |
660.33 |
596.99 |
5627189 |
551207 |
640955 |
557721 |
| 6.1 CTS (NPCI Managed) |
6702.53 |
657.01 |
660.33 |
596.99 |
5625941 |
551207 |
640955 |
557721 |
| 6.2 Others |
1.17 |
0.00 |
0.00 |
0.00 |
1249 |
0 |
0 |
0 |
| Total - Retail Payments (2+3+4+5+6) |
4,42,557.14 |
43,164.07 |
70,767.70 |
70,035.28 |
41486430 |
3768727 |
4995808 |
4627165 |
| Total Payments (1+2+3+4+5+6) |
4,44,149.06 |
43,320.75 |
70,960.48 |
70,216.58 |
147086278 |
12938889 |
17962798 |
15076275 |
| Total Digital Payments (1+2+3+4+5) |
4,37,445.36 |
42,663.74 |
70,300.15 |
69,619.59 |
141459089 |
12387683 |
17321843 |
14518553 |
| PART II - Payment Modes and Channels |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2020-21 |
2021 January |
2021 |
2022 |
FY 2020-21 |
2021
January |
2021 |
2022 |
| December |
January |
December |
January |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Other Payment Channels |
|
|
|
|
|
|
|
|
| 1 Mobile Payments (mobile app based) |
2,58,033.70 |
27,644.30 |
49,877.80 |
50,122.61 |
92,01,212 |
10,20,313 |
14,33,961 |
14,22,872 |
| 1.1 Intra-bank $ |
25,220.71 |
2,571.61 |
3927.19 |
3,879.91 |
18,71,390 |
2,12,336 |
254443 |
250455 |
| 1.2 Inter-bank $ |
2,32,812.99 |
25,072.69 |
45950.61 |
46,242.71 |
73,29,822 |
8,07,977 |
1179518 |
1172417 |
| 2 Internet Payments (Netbanking / internet browser based) @ |
32,493.63 |
3,084.98 |
3,117.10 |
3,091.31 |
4,15,81,497 |
41,58,234 |
45,31,114 |
40,08,361 |
| 2.1 Intra-bank @ |
6,886.15 |
617.29 |
611.14 |
598.61 |
2,06,01,554 |
21,84,556 |
2082236 |
1723484 |
| 2.2 Inter-bank @ |
25,607.48 |
2,467.69 |
2505.96 |
2,492.69 |
2,09,79,943 |
19,73,678 |
2448878 |
2284877 |
| B. ATMs |
|
|
|
|
|
|
|
|
| 3. Cash Withdrawal at ATMs $ |
60,905.81 |
5,734.25 |
5,928.20 |
5,558.75 |
28,89,826 |
2,67,500 |
2,80,372 |
2,62,384 |
| 3.1 Using Credit Cards $ |
51.41 |
5.04 |
5.90 |
5.49 |
2560 |
251 |
295.21 |
269.39 |
| 3.2 Using Debit Cards $ |
60602.23 |
5704.78 |
5893.54 |
5523.91 |
2878025 |
266315 |
279099.68 |
261124.03 |
| 3.3 Using Pre-paid Cards $ |
252.17 |
24.43 |
28.76 |
29.36 |
9240 |
934 |
977 |
990 |
| 4. Cash Withdrawal at PoS $ |
394.77 |
32.47 |
3.89 |
2.36 |
1533 |
137 |
42 |
35 |
| 4.1 Using Debit Cards $ |
353.50 |
30.62 |
3.71 |
2.08 |
1484 |
135 |
34.61 |
19.59 |
| 4.2 Using Pre-paid Cards $ |
41.27 |
1.84 |
0.18 |
0.28 |
49 |
2 |
7 |
16 |
| 5. Cash Withdrawal at Micro ATMs @ |
9460.43 |
777.16 |
940.20 |
1125.54 |
225420 |
21700 |
25208 |
28582 |
| 5.1 AePS @ |
9460.43 |
777.16 |
940.20 |
1125.54 |
225420 |
21700 |
25208 |
28582 |
| PART III - Payment Infrastructures (lakh) |
| |
As on March 2021 |
2021 January |
2021 |
2022 |
| December |
January |
| 1 |
2 |
3 |
4 |
| Payment System Infrastructures |
|
|
|
|
| 1 Number of Cards |
9,602.51 |
9,491.63 |
10,066.90 |
10,111.81 |
| 1.1 Credit Cards |
620.49 |
610.98 |
689.49 |
702.52 |
| 1.2 Debit Cards |
8,982.02 |
8,880.65 |
9377.42 |
9409.29 |
| 2 Number of PPIs @ |
21,952.60 |
21,212.16 |
26,426.15 |
26,898.31 |
| 2.1 Wallets @ |
20,052.10 |
19,461.26 |
23,828.54 |
24,231.94 |
| 2.2 Cards @ |
1,900.51 |
1,750.90 |
2,597.62 |
2,666.37 |
| 3 Number of ATMs and CRMs |
2.39 |
2.34 |
2.49 |
2.51 |
| 3.1 Bank owned ATMs$ and CRMs# |
2.14 |
2.09 |
2.19 |
2.21 |
| 3.2 White Label ATMs $ |
0.25 |
0.25 |
0.30 |
0.30 |
| 4 Number of Micro ATMs @ |
4.04 |
3.73 |
5.91 |
6.43 |
| 5 Number of PoS Terminals |
47.20 |
46.55 |
54.98 |
56.20 |
| 6 Bharat QR @ |
35.70 |
33.60 |
46.47 |
46.97 |
| 7 UPI QR * |
925.22 |
805.89 |
1440.10 |
1521.05 |
@: 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. |
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