| PART I - Payment System Indicators - Payment & Settlement System Statistics |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2021-22 |
2021 July |
2022 |
2022 |
FY 2021-22 |
2021 July |
2022 |
2022 |
| June |
July |
June |
July |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Settlement Systems |
|
|
|
|
|
|
|
|
| Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 CCIL Operated Systems |
33.01 |
2.68 |
3.42 |
3.39 |
206873112 |
16798812 |
22912930 |
21126044 |
| 1.1 Govt. Securities Clearing |
12.22 |
0.98 |
1.32 |
1.33 |
142072939 |
11096031 |
15445511 |
14218681 |
| 1.1.1 Outright |
6.22 |
0.50 |
0.68 |
0.71 |
8793301 |
744621 |
844409 |
851204 |
| 1.1.2 Repo |
3.08 |
0.25 |
0.34 |
0.34 |
51015712 |
3802644 |
5627915 |
5764070 |
| 1.1.3 Tri-party Repo |
2.92 |
0.24 |
0.30 |
0.28 |
82263926 |
6548766 |
8973188 |
7603407 |
| 1.2 Forex Clearing |
19.91 |
1.64 |
1.97 |
1.93 |
59775826 |
5290626 |
6778125 |
6272728 |
| 1.3 Rupee Derivatives @ |
0.88 |
0.07 |
0.13 |
0.13 |
5024347 |
412155 |
689294 |
634635 |
| B. Payment Systems |
|
|
|
|
|
|
|
|
| I Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 Credit Transfers - RTGS |
2078.39 |
167.65 |
194.42 |
189.26 |
128657516 |
10741314 |
12356054 |
11551440 |
| 1.1 Customer Transactions |
2063.73 |
166.43 |
193.18 |
188.06 |
113319292 |
9288984 |
10840909 |
9927091 |
| 1.2 Interbank Transactions |
14.66 |
1.22 |
1.24 |
1.20 |
15338225 |
1452331 |
1515145 |
1624349 |
| II Retail |
|
|
|
|
|
|
|
|
| 2 Credit Transfers - Retail |
577934.74 |
41372.72 |
69921.27 |
74673.64 |
42728006 |
3215234 |
4298158 |
4267239 |
| 2.1 AePS (Fund Transfers) @ |
9.76 |
1.03 |
0.62 |
0.68 |
575 |
61 |
37 |
40 |
| 2.2 APBS $ |
12573.33 |
1047.34 |
1222.24 |
1259.99 |
133345 |
7981 |
23010 |
12511 |
| 2.3 IMPS |
46625.25 |
3524.64 |
4557.01 |
4608.30 |
4171037 |
311310 |
443776 |
444541 |
| 2.4 NACH Cr $ |
18757.82 |
1174.68 |
1489.99 |
1892.88 |
1281685 |
85697 |
100909 |
119677 |
| 2.5 NEFT |
40407.29 |
3170.00 |
4022.33 |
4018.39 |
28725463 |
2204303 |
2716013 |
2627354 |
| 2.6 UPI @ |
459561.30 |
32455.02 |
58629.08 |
62893.40 |
8415900 |
605883 |
1014413 |
1063117 |
| 2.6.1 of which USSD @ |
11.99 |
1.08 |
0.99 |
1.62 |
177 |
16 |
12 |
18 |
| 3 Debit Transfers and Direct Debits |
12189.49 |
986.32 |
1225.96 |
1217.97 |
1034444 |
86503 |
100325 |
100581 |
| 3.1 BHIM Aadhaar Pay @ |
227.73 |
17.49 |
39.82 |
21.26 |
6113 |
414 |
1049 |
621 |
| 3.2 NACH Dr $ |
10754.74 |
877.08 |
1048.14 |
1067.05 |
1026641 |
85980 |
99060 |
99754 |
| 3.3 NETC (linked to bank account) @ |
1207.02 |
91.75 |
138.00 |
129.66 |
1689 |
109 |
216 |
207 |
| 4 Card Payments |
61,782.93 |
5,225.86 |
5,376.24 |
5,481.80 |
1701851 |
135972 |
169669 |
180371 |
| 4.1 Credit Cards |
22,398.82 |
1,820.49 |
2,279.46 |
2,348.34 |
971638 |
74885 |
108752 |
115856 |
| 4.1.1 PoS based $ |
11124.59 |
900.27 |
1210.51 |
1220.69 |
380643 |
30498 |
40466 |
41767 |
| 4.1.2 Others $ |
11274.23 |
920.21 |
1068.95 |
1127.64 |
590994 |
44387 |
68286 |
74089 |
| 4.2 Debit Cards |
39,384.11 |
3,405.37 |
3,096.79 |
3,133.47 |
730213 |
61087 |
60917 |
64515 |
| 4.2.1 PoS based $ |
22967.10 |
1901.64 |
2012.90 |
2053.40 |
451550 |
36764 |
39877 |
41211 |
| 4.2.2 Others $ |
16417.00 |
1503.73 |
1083.89 |
1080.07 |
278663 |
24324 |
21040 |
23304 |
| 5 Prepaid Payment Instruments |
65,782.75 |
4,958.99 |
6,258.03 |
6,195.34 |
279416 |
20587 |
24738 |
25309 |
| 5.1 Wallets |
53013.86 |
4068.85 |
4979.19 |
4855.87 |
220183 |
16624 |
18488 |
18775 |
| 5.2 Cards |
12,768.89 |
890.14 |
1,278.83 |
1,339.48 |
59233 |
3963 |
6250 |
6534 |
| 5.2.1 PoS based $ |
1116.16 |
73.49 |
87.22 |
85.43 |
19546 |
893 |
1301 |
1285 |
| 5.2.2 Others $ |
11652.73 |
816.64 |
1191.62 |
1254.05 |
39687 |
3070 |
4949 |
5250 |
| 6 Paper-based Instruments |
6,999.12 |
596.11 |
593.72 |
588.67 |
6650333 |
553256 |
599196 |
579727 |
| 6.1 CTS (NPCI Managed) |
6999.12 |
596.11 |
593.72 |
588.67 |
6650333 |
553256 |
599196 |
579727 |
| 6.2 Others |
0.00 |
0.00 |
0.00 |
0.00 |
0 |
0 |
0 |
0 |
| Total Retail Payments (2+3+4+5+6) |
7,24,689.03 |
53,139.99 |
83,375.21 |
88,157.42 |
52394049 |
4011553 |
5192086 |
5153226 |
| Total Payments (1+2+3+4+5+6) |
7,26,767.42 |
53,307.64 |
83,569.63 |
88,346.69 |
181051565 |
14752867 |
17548140 |
16704666 |
| Total Digital Payments (1+2+3+4+5) |
7,19,768.30 |
52,711.53 |
82,975.91 |
87,758.02 |
174401233 |
14199611 |
16948944 |
16124940 |
| PART II - Payment Modes and Channels |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2021-22 |
2021 July |
2022 |
2022 |
FY 2021-22 |
2021 July |
2022 |
2022 |
| June |
July |
June |
July |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Other Payment Channels |
|
|
|
|
|
|
|
|
| 1 Mobile Payments (mobile app based) |
5,07,531.37 |
36,837.05 |
62,581.28 |
68,450.73 |
1,49,73,395 |
11,37,233 |
17,15,115 |
17,86,611 |
| 1.1 Intra-bank $ |
40,805.69 |
3,133.94 |
4,309.58 |
4,902.42 |
27,26,360 |
2,10,685 |
3,05,131 |
3,23,926 |
| 1.2 Inter-bank $ |
4,66,725.68 |
33,703.12 |
58,271.69 |
63,548.30 |
1,22,47,035 |
9,26,547 |
14,09,985 |
14,62,684 |
| 2 Internet Payments (Netbanking / internet browser based) @ |
40,726.59 |
3,474.33 |
3,551.14 |
3,734.46 |
8,31,59,996 |
68,12,775 |
82,05,044 |
73,25,646 |
| 2.1 Intra-bank @ |
9,583.32 |
828.56 |
866.17 |
930.32 |
5,21,42,582 |
42,94,238 |
51,34,748 |
44,38,066 |
| 2.2 Inter-bank @ |
31,143.27 |
2,645.77 |
2,684.97 |
2,804.13 |
3,10,17,413 |
25,18,538 |
30,70,297 |
28,87,580 |
| B. ATMs |
|
|
|
|
|
|
|
|
| 3. Cash Withdrawal at ATMs $ |
65,287.63 |
5,378.82 |
5,734.36 |
5,777.88 |
31,11,948 |
2,54,886 |
2,71,368 |
2,72,103 |
| 3.1 Using Credit Cards $ |
62.37 |
4.74 |
6.79 |
6.95 |
3,130 |
235 |
336 |
342 |
| 3.2 Using Debit Cards $ |
64898.80 |
5348.70 |
5694.37 |
5735.52 |
30,97,741 |
2,53,780 |
2,69,936 |
2,70,609 |
| 3.3 Using Pre-paid Cards $ |
326.45 |
25.38 |
33.20 |
35.42 |
11,076 |
871 |
1,096 |
1,152 |
| 4. Cash Withdrawal at PoS $ |
91.17 |
7.45 |
2.30 |
2.26 |
728 |
62 |
22 |
22 |
| 4.1 Using Debit Cards $ |
79.42 |
6.15 |
2.27 |
2.25 |
557 |
43 |
22 |
22 |
| 4.2 Using Pre-paid Cards $ |
11.75 |
1.30 |
0.03 |
0.01 |
171 |
19 |
0 |
0 |
| 5. Cash Withdrawal at Micro ATMs @ |
11126.04 |
869.89 |
1167.16 |
1082.22 |
2,99,776 |
22,973 |
31,318 |
29,517 |
| 5.1 AePS @ |
11126.04 |
869.89 |
1167.16 |
1082.22 |
2,99,776 |
22,973 |
31,318 |
29,517 |
| PART III - Payment Infrastructures (lakh) |
| |
As on March 2022 |
2021 July |
2022 |
2022 |
| June |
July |
| 1 |
2 |
3 |
4 |
| Payment System Infrastructures |
|
|
|
|
| 1 Number of Cards |
9912.93 |
9690.43 |
10004.74 |
10083.90 |
| 1.1 Credit Cards |
736.27 |
634.14 |
787.23 |
802.56 |
| 1.2 Debit Cards |
9,176.66 |
9,056.29 |
9217.52 |
9281.34 |
| 2 Number of PPIs @ |
15,553.69 |
13,176.84 |
15,589.89 |
15,604.53 |
| 2.1 Wallets @ |
12,787.93 |
11,032.89 |
12,932.46 |
12,922.65 |
| 2.2 Cards @ |
2,765.76 |
2,143.95 |
2,657.43 |
2,681.89 |
| 3 Number of ATMs and CRMs |
2.52 |
2.40 |
2.53 |
2.54 |
| 3.1 Bank owned ATMs$ and CRMs# |
2.20 |
2.13 |
2.20 |
2.20 |
| 3.2 White Label ATMs $ |
0.31 |
0.27 |
0.33 |
0.34 |
| 4 Number of Micro ATMs @ |
7.81 |
4.75 |
9.40 |
9.64 |
| 5 Number of PoS Terminals |
60.70 |
46.08 |
65.91 |
68.19 |
| 6 Bharat QR @ |
49.72 |
42.51 |
42.80 |
45.21 |
| 7 UPI QR * |
1727.34 |
1078.80 |
1951.71 |
2013.02 |
@: 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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