| PART I - Payment System Indicators - Payment & Settlement System Statistics |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2021-22 |
2021 May |
2022 |
2022 |
FY 2021-22 |
2021 May |
2022 |
2022 |
| April |
May |
April |
May |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Settlement Systems |
|
|
|
|
|
|
|
|
| Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 CCIL Operated Systems |
33.01 |
2.08 |
3.06 |
3.32 |
206873112 |
14652880 |
18651860 |
19742339 |
| 1.1 Govt. Securities Clearing |
12.22 |
0.89 |
1.08 |
1.23 |
142072939 |
9966087 |
11915370 |
13110275 |
| 1.1.1 Outright |
6.22 |
0.47 |
0.59 |
0.66 |
8793301 |
710624 |
870328 |
832089 |
| 1.1.2 Repo |
3.08 |
0.23 |
0.25 |
0.31 |
51015712 |
4280973 |
4315711 |
4940038 |
| 1.1.3 Tri-party Repo |
2.92 |
0.19 |
0.23 |
0.26 |
82263926 |
4974490 |
6729332 |
7338148 |
| 1.2 Forex Clearing |
19.91 |
1.14 |
1.87 |
1.98 |
59775826 |
4424858 |
6124936 |
6039213 |
| 1.3 Rupee Derivatives @ |
0.88 |
0.05 |
0.11 |
0.11 |
5024347 |
261935 |
611554 |
592851 |
| B. Payment Systems |
|
|
|
|
|
|
|
|
| I Financial Market Infrastructures (FMIs) |
|
|
|
|
|
|
|
|
| 1 Credit Transfers - RTGS |
2078.39 |
123.34 |
195.32 |
195.72 |
128657516 |
8366599 |
11097594 |
11183947 |
| 1.1 Customer Transactions |
2063.73 |
122.28 |
194.11 |
194.53 |
113319292 |
7211162 |
9780600 |
9851274 |
| 1.2 Interbank Transactions |
14.66 |
1.07 |
1.21 |
1.19 |
15338225 |
1155437 |
1316994 |
1332673 |
| II Retail |
|
|
|
|
|
|
|
|
| 2 Credit Transfers - Retail |
577934.74 |
33866.21 |
66747.57 |
72187.50 |
42728006 |
2707637 |
4050335 |
4177865 |
| 2.1 AePS (Fund Transfers) @ |
9.76 |
0.95 |
0.55 |
0.58 |
575 |
59 |
33 |
36 |
| 2.2 APBS $ |
12573.33 |
1343.10 |
1119.53 |
2268.03 |
133345 |
16261 |
11118 |
41011 |
| 2.3 IMPS |
46625.25 |
2798.61 |
4716.26 |
4848.13 |
4171037 |
266289 |
444670 |
452328 |
| 2.4 NACH Cr $ |
18757.82 |
1866.34 |
1329.76 |
1794.53 |
1281685 |
116463 |
112354 |
97341 |
| 2.5 NEFT |
40407.29 |
2565.39 |
3737.59 |
3813.34 |
28725463 |
1819459 |
2498587 |
2546928 |
| 2.6 UPI @ |
459561.30 |
25291.82 |
55843.88 |
59462.89 |
8415900 |
489106 |
983573 |
1040221 |
| 2.6.1 of which USSD @ |
11.99 |
1.01 |
0.86 |
1.00 |
177 |
16 |
12 |
14 |
| 3 Debit Transfers and Direct Debits |
12189.49 |
936.41 |
1121.68 |
1177.32 |
1034444 |
70589 |
93616 |
95542 |
| 3.1 BHIM Aadhaar Pay @ |
227.73 |
17.29 |
16.76 |
17.81 |
6113 |
422 |
580 |
571 |
| 3.2 NACH Dr $ |
10754.74 |
857.30 |
996.72 |
1018.05 |
1026641 |
70069 |
92902 |
94752 |
| 3.3 NETC (linked to bank account) @ |
1207.02 |
61.82 |
108.20 |
141.46 |
1689 |
98 |
135 |
218 |
| 4 Card Payments |
61,782.93 |
3,901.33 |
5,541.17 |
5,698.18 |
1701851 |
95239 |
170521 |
179655 |
| 4.1 Credit Cards |
22,398.82 |
1,344.73 |
2,229.30 |
2,377.95 |
971638 |
52014 |
105459 |
113696 |
| 4.1.1 PoS based $ |
11124.59 |
509.46 |
1152.87 |
1220.24 |
380643 |
18477 |
39807 |
42266 |
| 4.1.2 Others $ |
11274.23 |
835.27 |
1076.43 |
1157.71 |
590994 |
33537 |
65652 |
71430 |
| 4.2 Debit Cards |
39,384.11 |
2,556.60 |
3,311.87 |
3,320.23 |
730213 |
43225 |
65062 |
65959 |
| 4.2.1 PoS based $ |
22967.10 |
1127.84 |
2131.77 |
2150.28 |
451550 |
22195 |
43530 |
44306 |
| 4.2.2 Others $ |
16417.00 |
1428.76 |
1180.10 |
1169.95 |
278663 |
21030 |
21532 |
21653 |
| 5 Prepaid Payment Instruments |
65,812.39 |
3,880.40 |
6,551.30 |
6,652.60 |
293658 |
21509 |
27664 |
28257 |
| 5.1 Wallets |
52683.01 |
3180.18 |
5036.15 |
5198.06 |
226645 |
14626 |
19360 |
19616 |
| 5.2 Cards |
13,129.38 |
700.22 |
1,515.15 |
1,454.54 |
67014 |
6883 |
8305 |
8640 |
| 5.2.1 PoS based $ |
1066.47 |
40.58 |
169.34 |
178.85 |
18123 |
1169 |
3183 |
3229 |
| 5.2.2 Others $ |
12062.91 |
659.64 |
1345.81 |
1275.69 |
48891 |
5714 |
5121 |
5411 |
| 6 Paper-based Instruments |
6,999.12 |
366.69 |
624.01 |
590.44 |
6650333 |
341794 |
670259 |
594562 |
| 6.1 CTS (NPCI Managed) |
6999.12 |
366.69 |
624.01 |
590.44 |
6650333 |
341794 |
670259 |
594562 |
| 6.2 Others |
0.00 |
0.00 |
0.00 |
0.00 |
0 |
0 |
0 |
0 |
| Total - Retail Payments (2+3+4+5+6) |
7,24,718.68 |
42,951.04 |
80,585.73 |
86,306.04 |
52408291 |
3236769 |
5012396 |
5075880 |
| Total Payments (1+2+3+4+5+6) |
7,26,797.07 |
43,074.39 |
80,781.06 |
86,501.76 |
181065807 |
11603368 |
16109991 |
16259827 |
| Total Digital Payments (1+2+3+4+5) |
7,19,797.94 |
42,707.70 |
80,157.05 |
85,911.32 |
174415475 |
11261574 |
15439731 |
15665265 |
| PART II - Payment Modes and Channels |
| |
Volume (lakh) |
Value (₹ crore) |
| FY 2021-22 |
2021 May |
2022 |
2022 |
FY 2021-22 |
2021 May |
2022 |
2022 |
| April |
May |
April |
May |
| 1 |
2 |
3 |
4 |
1 |
2 |
3 |
4 |
| A. Other Payment Channels |
|
|
|
|
|
|
|
|
| 1 Mobile Payments (mobile app based) |
5,07,531.37 |
29,734.31 |
59,767.19 |
64,186.29 |
1,49,73,395 |
8,98,224 |
16,83,381 |
17,53,658 |
| 1.1 Intra-bank $ |
40,805.69 |
2,528.93 |
4,515.86 |
4,617.48 |
27,26,360 |
1,74,307 |
3,12,740 |
3,18,478 |
| 1.2 Inter-bank $ |
4,66,725.68 |
27,205.39 |
55,251.33 |
59,568.81 |
1,22,47,035 |
7,23,917 |
13,70,640 |
14,35,180 |
| 2 Internet Payments (Netbanking / internet browser based) @ |
36,127.50 |
2,336.06 |
3,639.09 |
3,735.84 |
5,01,21,370 |
29,53,188 |
71,55,362 |
72,33,469 |
| 2.1 Intra-bank @ |
7,375.30 |
492.39 |
964.04 |
1,023.10 |
2,35,05,766 |
12,90,828 |
42,88,061 |
43,44,369 |
| 2.2 Inter-bank @ |
28,752.20 |
1,843.67 |
2,675.04 |
2,712.74 |
2,66,15,604 |
16,62,360 |
28,67,301 |
28,89,100 |
| B. ATMs |
|
|
|
|
|
|
|
|
| 3. Cash Withdrawal at ATMs $ |
65,287.28 |
4,169.98 |
5,834.29 |
5,872.26 |
31,11,927 |
2,02,854 |
2,86,411 |
2,80,266 |
| 3.1 Using Credit Cards $ |
62.37 |
3.65 |
6.12 |
6.64 |
3,130 |
187 |
303 |
328 |
| 3.2 Using Debit Cards $ |
64898.80 |
4142.63 |
5796.88 |
5832.83 |
30,97,741 |
2,01,978 |
2,85,011 |
2,78,833 |
| 3.3 Using Pre-paid Cards $ |
326.11 |
23.69 |
31.28 |
32.79 |
11,056 |
690 |
1,097 |
1,106 |
| 4. Cash Withdrawal at PoS $ |
92.26 |
20.81 |
2.74 |
2.65 |
806 |
122 |
54 |
53 |
| 4.1 Using Debit Cards $ |
79.42 |
18.08 |
2.24 |
2.20 |
557 |
102 |
22 |
22 |
| 4.2 Using Pre-paid Cards $ |
12.84 |
2.73 |
0.50 |
0.44 |
248 |
19 |
32 |
31 |
| 5. Cash Withdrawal at Micro ATMs @ |
11126.04 |
824.37 |
984.19 |
1073.66 |
2,99,776 |
24,138 |
27,824 |
29,828 |
| 5.1 AePS @ |
11126.04 |
824.37 |
984.19 |
1073.66 |
2,99,776 |
24,138 |
27,824 |
29,828 |
| PART III - Payment Infrastructures (lakh) |
| |
As on March 2022 |
2021 May |
2022 |
2022 |
| April |
May |
| 1 |
2 |
3 |
4 |
| Payment System Infrastructures |
|
|
|
|
| 1 Number of Cards |
9912.93 |
9643.64 |
9956.84 |
10002.10 |
| 1.1 Credit Cards |
736.27 |
623.93 |
751.66 |
768.77 |
| 1.2 Debit Cards |
9,176.66 |
9,019.71 |
9205.18 |
9233.33 |
| 2 Number of PPIs @ |
27,403.54 |
22,609.29 |
27,405.90 |
27,692.16 |
| 2.1 Wallets @ |
24,645.39 |
20,542.99 |
24,748.38 |
25,005.51 |
| 2.2 Cards @ |
2,758.15 |
2,066.30 |
2,657.52 |
2,686.65 |
| 3 Number of ATMs and CRMs |
2.48 |
2.40 |
2.51 |
2.52 |
| 3.1 Bank owned ATMs$ and CRMs# |
2.16 |
2.15 |
2.19 |
2.20 |
| 3.2 White Label ATMs $ |
0.32 |
0.26 |
0.32 |
0.32 |
| 4 Number of Micro ATMs @ |
7.81 |
4.25 |
8.16 |
8.81 |
| 5 Number of PoS Terminals |
60.70 |
45.20 |
61.26 |
61.69 |
| 6 Bharat QR @ |
49.72 |
40.22 |
40.90 |
41.38 |
| 7 UPI QR * |
1727.34 |
990.22 |
1807.21 |
1880.15 |
@: 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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