Payment System Indicators - June 2023 - RBI - Reserve Bank of India
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Payment System Indicators - June 2023
PART I - Payment System Indicators - Payment & Settlement System Statistics | ||||||||
---|---|---|---|---|---|---|---|---|
Volume (lakh) | Value (₹ crore) | |||||||
FY 2022-23 | 2022 June | 2023 | 2023 | FY 2022-23 | 2022 June | 2023 | 2023 | |
May | June | May | June | |||||
1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
A. Settlement Systems | ||||||||
Financial Market Infrastructures (FMIs) | ||||||||
1 CCIL Operated Systems | 41.44 | 3.42 | 4.03 | 3.81 | 258797336 | 22912930 | 22537634 | 22638088 |
1.1 Govt. Securities Clearing | 15.00 | 1.32 | 1.63 | 1.54 | 172251292 | 15445511 | 15227196 | 15259736 |
1.1.1 Outright | 7.99 | 0.68 | 0.98 | 0.88 | 10090700 | 844409 | 1326724 | 1299039 |
1.1.2 Repo | 4.07 | 0.34 | 0.45 | 0.45 | 68032487 | 5627915 | 7732270 | 7312076 |
1.1.3 Tri-party Repo | 2.94 | 0.30 | 0.20 | 0.21 | 94128105 | 8973188 | 6168201 | 6648621 |
1.2 Forex Clearing | 25.16 | 1.97 | 2.23 | 2.17 | 78932050 | 6778125 | 6189356 | 6854522 |
1.3 Rupee Derivatives @ | 1.27 | 0.13 | 0.17 | 0.10 | 7613994 | 689294 | 1121082 | 523830 |
B. Payment Systems | ||||||||
I Financial Market Infrastructures (FMIs) | ||||||||
1 Credit Transfers - RTGS | 2425.62 | 194.42 | 220.46 | 212.30 | 149946286 | 12356054 | 12882587 | 14336617 |
1.1 Customer Transactions | 2411.19 | 193.18 | 219.21 | 211.10 | 131667176 | 10840909 | 11413321 | 12739932 |
1.2 Interbank Transactions | 14.43 | 1.24 | 1.25 | 1.20 | 18279111 | 1515145 | 1469266 | 1596685 |
II Retail | ||||||||
2 Credit Transfers - Retail | 983620.84 | 69921.27 | 107130.93 | 106299.38 | 55009620 | 4298158 | 5196720 | 5151213 |
2.1 AePS (Fund Transfers) @ | 5.90 | 0.62 | 0.34 | 0.30 | 356 | 37 | 23 | 20 |
2.2 APBS $ | 17833.95 | 1222.24 | 1838.94 | 1875.41 | 247535 | 23010 | 31424 | 25772 |
2.3 IMPS | 56532.64 | 4557.01 | 5015.49 | 4681.02 | 5585441 | 443776 | 527558 | 500482 |
2.4 NACH Cr $ | 19257.19 | 1489.99 | 1227.66 | 1294.91 | 1541815 | 100909 | 122239 | 109983 |
2.5 NEFT | 52847.43 | 4022.33 | 4896.66 | 5097.12 | 33719541 | 2716013 | 3026331 | 3039491 |
2.6 UPI @ | 837143.73 | 58629.08 | 94151.85 | 93350.61 | 13914932 | 1014413 | 1489145 | 1475464 |
2.6.1 of which USSD @ | 17.21 | 0.99 | 1.75 | 2.18 | 197 | 12 | 21 | 30 |
3 Debit Transfers and Direct Debits | 15343.05 | 1225.96 | 1457.43 | 1453.92 | 1289611 | 100325 | 125654 | 129549 |
3.1 BHIM Aadhaar Pay @ | 214.22 | 39.82 | 15.45 | 14.83 | 6791 | 1049 | 535 | 487 |
3.2 NACH Dr $ | 13502.52 | 1048.14 | 1288.88 | 1296.38 | 1280219 | 99060 | 124864 | 128819 |
3.3 NETC (linked to bank account) @ | 1626.31 | 138.00 | 153.10 | 142.71 | 2601 | 216 | 256 | 243 |
4 Card Payments | 63337.24 | 5370.07 | 4974.51 | 4731.29 | 2152418 | 169643 | 193436 | 188284 |
4.1 Credit Cards | 29145.25 | 2279.46 | 2734.74 | 2629.05 | 1432255 | 108752 | 140660 | 137234 |
4.1.1 PoS based $ | 15598.70 | 1210.51 | 1419.98 | 1378.71 | 541944 | 40466 | 50811 | 48854 |
4.1.2 Others $ | 13546.54 | 1068.95 | 1314.76 | 1250.34 | 890311 | 68286 | 89849 | 88380 |
4.2 Debit Cards | 34192.00 | 3090.61 | 2239.77 | 2102.24 | 720163 | 60891 | 52776 | 51049 |
4.2.1 PoS based $ | 22917.38 | 2012.90 | 1592.87 | 1499.66 | 476693 | 39877 | 35589 | 33778 |
4.2.2 Others $ | 11274.61 | 1077.72 | 646.89 | 602.58 | 243470 | 21014 | 17187 | 17271 |
5 Prepaid Payment Instruments | 74667.44 | 6258.03 | 6872.86 | 6464.03 | 287111 | 24738 | 23967 | 23114 |
5.1 Wallets | 59112.76 | 4979.19 | 5660.41 | 5294.78 | 221896 | 18488 | 20344 | 19767 |
5.2 Cards | 15554.69 | 1278.83 | 1212.46 | 1169.24 | 65215 | 6250 | 3624 | 3347 |
5.2.1 PoS based $ | 1013.09 | 87.22 | 721.33 | 681.07 | 14777 | 1301 | 1190 | 1016 |
5.2.2 Others $ | 14541.60 | 1191.62 | 491.13 | 488.17 | 50438 | 4949 | 2434 | 2331 |
6 Paper-based Instruments | 7102.88 | 593.72 | 572.39 | 539.37 | 7173581 | 599196 | 627772 | 578306 |
6.1 CTS (NPCI Managed) | 7102.88 | 593.72 | 572.39 | 539.37 | 7173581 | 599196 | 627772 | 578306 |
6.2 Others | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Total Retail Payments (2+3+4+5+6) | 1144071.46 | 83369.04 | 121008.13 | 119487.97 | 65912340 | 5192060 | 6167549 | 6070466 |
Total Payments (1+2+3+4+5+6) | 1146497.08 | 83563.46 | 121228.59 | 119700.28 | 215858626 | 17548113 | 19050136 | 20407083 |
Total Digital Payments (1+2+3+4+5) | 1139394.20 | 82969.74 | 120656.20 | 119160.91 | 208685046 | 16948917 | 18422364 | 19828777 |
PART II - Payment Modes and Channels | ||||||||
---|---|---|---|---|---|---|---|---|
Volume (lakh) | Value (₹ crore) | |||||||
FY 2022-23 | 2022 June | 2023 | 2023 | FY 2022-23 | 2022 June | 2023 | 2023 | |
May | June | May | June | |||||
1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
A. Other Payment Channels | ||||||||
1 Mobile Payments (mobile app based) | 806541.16 | 55965.36 | 87374.84 | 88411.48 | 22031617 | 1631824 | 2268476 | 2243149 |
1.1 Intra-bank $ | 62306.61 | 4309.58 | 6127.73 | 6145.85 | 4191430 | 305197 | 424314 | 416271 |
1.2 Inter-bank $ | 744234.54 | 51655.77 | 81247.11 | 82265.63 | 17840187 | 1326627 | 1844163 | 1826878 |
2 Internet Payments (Netbanking / internet browser based) @ | 42630.64 | 3572.22 | 3597.97 | 3564.77 | 91539296 | 8264386 | 7800705 | 8354438 |
2.1 Intra-bank @ | 10703.78 | 870.16 | 916.90 | 929.63 | 53506133 | 5147947 | 4116658 | 4456179 |
2.2 Inter-bank @ | 31926.86 | 2702.06 | 2681.08 | 2635.13 | 38033163 | 3116439 | 3684047 | 3898259 |
B. ATMs | ||||||||
3. Cash Withdrawal at ATMs $ | 69465.15 | 5730.78 | 5694.70 | 5398.31 | 3305007 | 271367 | 279622 | 268351 |
3.1 Using Credit Cards $ | 88.37 | 6.79 | 7.73 | 7.43 | 4296 | 336 | 366 | 352 |
3.2 Using Debit Cards $ | 68971.46 | 5690.79 | 5655.91 | 5361.29 | 3286748 | 269935 | 278080 | 266925 |
3.3 Using Pre-paid Cards $ | 405.32 | 33.20 | 31.07 | 29.58 | 13963 | 1096 | 1175 | 1074 |
4. Cash Withdrawal at PoS $ | 27.73 | 2.30 | 2.33 | 2.29 | 278 | 22 | 23 | 23 |
4.1 Using Debit Cards $ | 27.41 | 2.27 | 2.31 | 2.29 | 276 | 22 | 23 | 23 |
4.2 Using Pre-paid Cards $ | 0.33 | 0.03 | 0.02 | 0.01 | 2 | 0 | 0 | 0 |
5. Cash Withdrawal at Micro ATMs @ | 12375.16 | 1167.16 | 979.64 | 943.77 | 333966 | 31318 | 27469 | 25991 |
5.1 AePS @ | 12375.16 | 1167.16 | 979.64 | 943.77 | 333966 | 31318 | 27469 | 25991 |
PART III - Payment Infrastructures (lakh) | ||||
---|---|---|---|---|
As on March 2023 | 2022 June | 2023 | 2023 | |
May | June | |||
1 | 2 | 3 | 4 | |
Payment System Infrastructures | ||||
1 Number of Cards | 10465.62 | 9941.74 | 10616.74 | 10645.15 |
1.1 Credit Cards | 853.03 | 787.23 | 877.47 | 886.82 |
1.2 Debit Cards | 9612.59 | 9154.51 | 9739.26 | 9758.33 |
2 Number of PPIs @ | 16185.22 | 15608.66 | 16455.95 | 16530.36 |
2.1 Wallets @ | 13384.65 | 12932.46 | 13372.11 | 13409.19 |
2.2 Cards @ | 2800.57 | 2676.20 | 3083.84 | 3121.17 |
3 Number of ATMs and CRMs | 2.59 | 2.53 | 2.56 | 2.59 |
3.1 Bank owned ATMs$ and CRMs# | 2.23 | 2.20 | 2.20 | 2.23 |
3.2 White Label ATMs $ | 0.36 | 0.33 | 0.36 | 0.36 |
4 Number of Micro ATMs @ | 16.11 | 10.72 | 14.66 | 14.96 |
5 Number of PoS Terminals | 77.90 | 65.91 | 79.61 | 80.94 |
6 Bharat QR @ | 53.82 | 42.80 | 55.45 | 56.88 |
7 UPI QR * | 2563.77 | 1952.91 | 2667.57 | 2720.15 |
PART IV - Payment Modes and Channels (International) | ||||
---|---|---|---|---|
Details of International transactions done using cards (credit, debit and PPI) issued in India | ||||
Volume (lakh) | Value (₹ crore) | |||
2023 | 2023 | 2023 | 2023 | |
May | June | May | June | |
1. Card Payments | 95.41 | 95.88 | 8319 | 8658 |
1.1 Credit Cards | 61.30 | 61.80 | 6145 | 6236 |
1.1.1 PoS based | 26.27 | 27.02 | 1997 | 2069 |
1.1.2 Online | 35.03 | 34.78 | 4148 | 4167 |
1.2 Debit Cards | 34.11 | 34.07 | 2175 | 2422 |
1.2.1 PoS based | 14.60 | 14.55 | 733 | 722 |
1.2.2 Online | 19.50 | 19.53 | 1442 | 1700 |
2. Prepaid Payment Instruments | 33.59 | 34.72 | 1438 | 1558 |
2.1 PoS based | 29.95 | 31.18 | 1191 | 1313 |
2.2 Online | 3.64 | 3.55 | 247 | 245 |
3. Cash Withdrawal at ATMs | 7.51 | 7.63 | 1731 | 1977 |
3.1 Using Credit Cards | 0.37 | 0.40 | 56 | 65 |
3.2 Using Debit Cards | 5.00 | 5.06 | 951 | 1132 |
3.3 Using PPIs | 2.14 | 2.17 | 724 | 779 |
Total International Payments | 136.50 | 138.23 | 11488 | 12193 |
PART V - Domestic Payment Frauds | ||||
---|---|---|---|---|
Volume (Lakh) | Value (Crore) | One in every X payment transaction fraudulent | FTS (Fraud / Payment Value * 10000) | |
September 2022 | 1.71 | 249 | 58177.41 | 0.127 bps |
October 2022 | 1.79 | 220 | 59533.35 | 0.127 bps |
November 2022 | 2.06 | 257 | 50620.69 | 0.143 bps |
December 2022 | 1.54 | 204 | 72426.75 | 0.103 bps |
January 2023 | 1.57 | 195 | 71681.44 | 0.106 bps |
February 2023 | 2.29 | 317 | 47018.00 | 0.177 bps |
March 2023 | 2.25 | 333 | 53907.48 | 0.142 bps |
April 2023 | 1.75 | 273 | 68927.36 | 0.152 bps |
May 2023 | 2.03 | 285 | 63051.71 | 0.147 bps |
June 2023 | 1.74 | 265 | 72554.96 | 0.128 bps |
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. 5. Data on domestic payment fraud statistics as reported by Scheduled Commercial Banks (excluding RRBs), Non-bank PPI issuers and Non-bank Credit Card issuers in CPFIR (Central Payments Fraud Information Registry). 6. Data does not include attempts to perpetrate frauds. |
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