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Date : Sep 15, 2018
Table 66 : Payment System Indicators
(Volume in Million; Value in ₹ Billion)
Year 2013-14 2014-15 2015-16
Volume Value Volume Value Volume Value
1 RTGS 81.11 904,968.04 92.78 929,333.09 98.34 1,035,551.64
1.1 Customer Transactions 76.35 573,614.03 88.39 631,050.74 93.95 700,899.82
1.2 Interbank Transactions 4.75 160,638.37 4.38 122,981.62 4.37 123,678.19
1.3 Interbank Clearing 0.01 170,715.64 0.01 175,300.73 0.02 210,973.63
2 CCIL Operated Systems 2.56 621,569.63 3.03 752,000.42 3.12 807,370.42
2.1 CBLO 0.18 175,261.92 0.21 167,645.96 0.22 178,335.28
2.2 Govt. Securities Clearing 0.87 161,848.24 1.09 258,916.76 1.02 269,778.20
2.2.1 Outright 0.82 89,566.99 0.98 101,561.62 0.88 97,285.41
2.2.2 Repo 0.05 72,281.26 0.11 157,355.15 0.13 172,492.78
2.3 Forex Clearing 1.51 284,459.46 1.73 325,437.69 1.89 359,256.94
3 Paper Clearing 1,257.31 93,316.04 1,196.50 85,434.14 1,096.37 81,860.79
3.1 Cheque Truncation System (CTS) 591.38 44,691.39 964.86 66,769.93 958.39 69,889.15
3.2 MICR Clearing 440.07 30,942.81 22.43 1,850.40 - -
3.2.1 RBI Centres 215.50 15,246.84 7.50 614.51 - -
3.2.2 Other Centres 224.57 15,695.97 14.93 1,235.89 - -
3.3 Non-MICR Clearing 225.86 17,681.84 209.21 16,813.81 137.98 11,971.64
4 Retail Electronic Clearing 1,108.32 47,856.29 1,687.45 65,365.51 3,141.53 91,408.14
4.1 ECS DR 192.91 1,267.96 226.01 1,739.78 224.75 1,651.50
4.2 ECS CR (Includes NECS) 152.54 2,492.19 115.35 2,019.14 39.00 1,059.44
4.3 EFT/NEFT 661.01 43,785.52 927.55 59,803.83 1,252.88 83,273.11
4.4 Immediate Payment Service (IMPS) 15.36 95.81 78.37 581.87 220.81 1,622.26
4.5 Unified Payment Interface (UPI) - - - - - -
4.6 National Automated Clearing House (NACH) 86.50 214.81 340.17 1,220.88 1,404.08 3,801.83
5 Cards 7,219.13 22,159.58 8,423.99 25,415.27 10,038.67 29,397.65
5.1 Credit Cards 512.03 1,556.72 619.41 1,922.63 791.67 2,437.02
5.1.1 Usage at ATMs 2.96 16.87 4.29 23.47 6.00 30.41
5.1.2 Usage at POS 509.08 1,539.85 615.12 1,899.16 785.67 2,406.62
5.2 Debit Cards 6,707.10 20,602.86 7,804.57 23,492.65 9,247.00 26,960.63
5.2.1 Usage at ATMs 6,088.02 19,648.35 6,996.48 22,279.16 8,073.39 25,371.36
5.2.2 Usage at POS 619.08 954.51 808.09 1,213.49 1,173.61 1,589.27
6 Prepaid Payment Instruments (PPIs) 133.63 81.05 314.46 213.42 748.02 487.58
6.1 m-Wallet 107.51 29.05 255.00 81.84 603.98 205.84
6.2 PPI Cards 25.60 28.36 58.91 105.35 143.47 253.77
6.3 Paper Vouchers 0.53 23.63 0.55 26.24 0.56 27.97
7 Mobile Banking 94.71 224.18 171.92 1,035.30 389.49 4,040.91
8 Grand Total (1.1+1.2+2+3+4+5+6) 9,802.05 1,519,234.99 11,718.19 1,682,461.12 15,126.04 1,835,102.59
(Continued)

TABLE 66 : PAYMENT SYSTEM INDICATORS(concld.)
(Volume in Million; Value in ₹ Billion)
Year 2016-17 2017-18
Volume Value Volume Value
1 RTGS 107.86 1,253,652.08 124.46 1,467,431.99
1.1 Customer Transactions 103.66 849,950.51 120.71 1,036,698.74
1.2 Interbank Transactions 4.17 131,953.25 3.72 130,426.03
1.3 Interbank Clearing 0.02 271,748.31 0.02 300,307.22
2 CCIL Operated Systems 3.65 1,056,173.36 3.50 1,074,802.02
2.1 CBLO 0.22 229,528.33 0.20 283,307.58
2.2 Govt. Securities Clearing 1.51 404,389.08 1.12 370,363.78
2.2.1 Outright 1.34 168,741.46 0.92 113,998.80
2.2.2 Repo 0.17 235,647.62 0.20 256,364.98
2.3 Forex Clearing 1.93 422,255.95 2.17 421,130.66
3 Paper Clearing 1,206.69 80,958.15 1,170.65 81,893.24
3.1 Cheque Truncation System (CTS) 1,111.86 74,035.22 1,138.05 79,451.24
3.2 MICR Clearing - - - -
3.2.1 RBI Centres - - - -
3.2.2 Other Centres - - - -
3.3 Non-MICR Clearing 94.83 6,922.93 32.60 2,442.00
4 Retail Electronic Clearing 4,222.86 132,324.30 6,382.49 193,112.33
4.1 ECS DR 8.76 39.14 1.54 9.72
4.2 ECS CR (Includes NECS) 10.10 144.08 6.14 115.00
4.3 EFT/NEFT 1,622.10 120,039.68 1,946.36 172,228.52
4.4 Immediate Payment Service (IMPS) 506.73 4,116.24 1,009.80 8,924.98
4.5 Unified Payment Interface (UPI) 17.90 69.00 915.20 1,098.00
4.6 National Automated Clearing House (NACH) 2,057.27 7,916.17 2,503.46 10,736.12
5 Cards 12,055.87 30,214.00 13,358.62 38,214.64
5.1 Credit Cards 1,093.51 3,312.21 1,412.97 4,626.33
5.1.1 Usage at ATMs 6.37 28.39 7.81 36.68
5.1.2 Usage at POS 1,087.13 3,283.82 1,405.16 4,589.65
5.2 Debit Cards 10,962.36 26,901.79 11,945.65 33,588.31
5.2.1 Usage at ATMs 8,563.06 23,602.73 8,602.26 28,987.61
5.2.2 Usage at POS 2,399.30 3,299.07 3,343.39 4,600.70
6 Prepaid Payment Instruments (PPIs) 1,963.66 838.01 3,459.05 1,416.34
6.1 m-Wallet 1,629.98 532.42 3,025.98 1,086.75
6.2 PPI Cards 333.11 277.52 432.63 310.41
6.3 Paper Vouchers 0.56 28.08 0.44 19.19
7 Mobile Banking 976.85 13,104.76 1,872.26 14,738.54
8 Grand Total (1.1+1.2+2+3+4+5+6) 19,560.56 2,282,411.58 24,498.74 2,556,563.36
Source: Reserve Bank of India.

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