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Payment System Indicators

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Payment System Indicators - June 2024
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2023-24 2023
June		 2024 2024 FY 2023-24 2023
June		 2024 2024
May June May June
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 43.04 3.81 4.07 4.36 259206893 22638088 22018913 22580094
1.1 Govt. Securities Clearing 16.80 1.54 1.60 1.60 170464587 15259736 14632648 15107943
1.1.1 Outright 9.51 0.88 0.98 0.97 13463848 1299039 1363203 1372786
1.1.2 Repo 4.94 0.45 0.43 0.42 76718788 7312076 6669493 6414226
1.1.3 Tri-party Repo 2.35 0.21 0.19 0.21 80281951 6648621 6599952 7320931
1.2 Forex Clearing 24.92 2.17 2.37 2.67 80984671 6854522 6780829 6953169
1.3 Rupee Derivatives @ 1.31 0.10 0.10 0.09 7757636 523830 605436 518982
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 2700.16 212.30 249.71 231.84 170886670 14336617 15186947 16037694
1.1 Customer Transactions 2686.04 211.10 248.49 230.72 152406168 12739932 13559606 14570686
1.2 Interbank Transactions 14.12 1.20 1.22 1.12 18480503 1596685 1627340 1467008
II Retail                
2 Credit Transfers - Retail 1486106.89 106299.38 156773.59 155567.02 67542859 5151213 6279019 6073917
2.1 AePS (Fund Transfers) @ 3.92 0.30 0.31 0.30 261 20 18 16
2.2 APBS $ 25888.17 1875.41 2295.50 2929.34 390743 25772 37499 43676
2.3 IMPS 60053.35 4681.02 5576.99 5167.51 6495652 500482 606167 577794
2.4 NACH Cr $ 16227.27 1294.91 1074.61 1311.11 1525104 109983 132404 113888
2.5 NEFT 72639.50 5097.12 7467.75 7307.34 39136014 3039491 3457995 3331461
2.6 UPI @ 1311294.68 93350.61 140358.43 138851.42 19995086 1475464 2044937 2007081
2.6.1 of which USSD @ 26.19 2.18 1.62 1.41 352 30 17 15
3 Debit Transfers and Direct Debits 18249.53 1453.92 1698.67 1697.73 1687658 129549 167035 171469
3.1 BHIM Aadhaar Pay @ 193.59 14.83 19.33 21.07 6112 487 506 581
3.2 NACH Dr $ 16426.49 1296.38 1539.23 1544.59 1678769 128819 166305 170756
3.3 NETC (linked to bank account) @ 1629.45 142.71 140.11 132.07 2777 243 225 132
4 Card Payments 58469.79 4731.29 5105.17 5003.43 2423563 188284 208520 200081
4.1 Credit Cards 35610.15 2629.05 3601.36 3579.49 1831134 137234 164955 158822
4.1.1 PoS based $ 18614.08 1378.71 1906.58 1895.40 651911 48854 63831 59417
4.1.2 Others $ 16996.08 1250.34 1694.78 1684.10 1179223 88380 101124 99405
4.2 Debit Cards 22859.64 2102.24 1503.82 1423.94 592429 51049 43565 41259
4.2.1 PoS based $ 16477.95 1499.66 1114.38 1063.60 393589 33778 29772 27630
4.2.2 Others $ 6381.69 602.58 389.44 360.33 198840 17271 13793 13629
5 Prepaid Payment Instruments 78775.40 6569.82 5496.00 5236.08 283048 23509 16697 15897
5.1 Wallets 63256.69 5303.68 4204.49 4038.05 234353 19762 11566 11298
5.2 Cards 15518.71 1266.13 1291.51 1198.03 48695 3747 5131 4599
5.2.1 PoS based $ 8429.87 681.07 689.94 650.89 11247 1017 1027 946
5.2.2 Others $ 7088.84 585.06 601.57 547.14 37447 2730 4104 3653
6 Paper-based Instruments 6632.10 539.36 524.39 484.42 7212333 578306 611518 553834
6.1 CTS (NPCI Managed) 6632.10 539.36 524.39 484.42 7212333 578306 611518 553834
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) 1648233.71 119593.76 169597.82 167988.69 79149461 6070861 7282789 7015198
Total Payments (1+2+3+4+5+6) 1650933.88 119806.06 169847.53 168220.52 250036131 20407478 22469736 23052892
Total Digital Payments (1+2+3+4+5) 1644301.78 119266.70 169323.14 167736.10 242823799 19829172 21858218 22499058

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2023-24 2023
June		 2024 2024 FY 2023-24 2023
June		 2024 2024
May June May June
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 1252599.21 88097.74 134522.56 133652.25 30687088 2243152 3126322 3046393
1.1 Intra-bank $ 83000.56 6145.85 9224.51 8682.06 5676805 416271 585196 559035
1.2 Inter-bank $ 1169598.65 81951.89 125298.05 124970.19 25010283 1826881 2541125 2487357
2 Internet Payments (Netbanking / internet browser based) @ 45034.98 3566.29 3771.12 3714.13 102117736 8354717 8705212 9501615
2.1 Intra-bank @ 12033.28 929.63 1010.25 1026.53 53247042 4456179 4276566 4875740
2.2 Inter-bank @ 33001.71 2636.66 2760.86 2687.59 48870694 3898539 4428645 4625875
B. ATMs                
3. Cash Withdrawal at ATMs $ 66440.72 5577.45 5166.41 5076.57 3259388 274070 260240 255229
3.1 Using Credit Cards $ 95.80 7.43 8.63 8.29 4648 352 441 426
3.2 Using Debit Cards $ 66001.01 5540.43 5133.52 5045.81 3241538 272643 258785 253844
3.3 Using Pre-paid Cards $ 343.90 29.58 24.26 22.47 13202 1074 1014 959
4. Cash Withdrawal at PoS $ 15.18 2.29 0.33 0.28 148 23 3 3
4.1 Using Debit Cards $ 15.06 2.29 0.31 0.27 147 23 3 3
4.2 Using Pre-paid Cards $ 0.12 0.01 0.02 0.02 1 0 0 0
5. Cash Withdrawal at Micro ATMs @ 11754.95 943.77 879.79 973.79 314003 25991 22804 24426
5.1 AePS @ 11754.95 943.77 879.79 973.79 314003 25991 22804 24426

PART III - Payment Infrastructures (lakh)
  As on March 2024 2023
June		 2024 2024
May June
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 10667.22 10645.15 10780.74 10835.23
1.1 Credit Cards 1018.03 886.82 1033.00 1038.13
1.2 Debit Cards 9649.19 9758.33 9747.74 9797.10
2 Number of PPIs @ 16743.63 16709.14 14840.92 15051.30
2.1 Wallets @ 13381.80 13409.30 11302.14 11375.61
2.2 Cards @ 3361.82 3299.84 3538.78 3675.69
3 Number of ATMs and CRMs 2.58 2.59 2.57 2.56
3.1 Bank owned ATMs$ and CRMs# 2.23 2.23 2.22 2.21
3.2 White Label ATMs $ 0.35 0.36 0.36 0.35
4 Number of Micro ATMs @ 17.55 14.96 15.62 15.18
5 Number of PoS Terminals 89.03 80.94 88.04 89.67
6 Bharat QR @ 62.50 56.88 61.21 61.64
7 UPI QR * 3462.03 2720.15 3299.47 3401.24

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)
2024 2024 2024 2024
May June May June
1. Card Payments 117.22 116.45 9649 9547
1.1 Credit Cards 76.62 77.19 7276 7222
1.1.1 PoS based 33.44 35.17 2466 2695
1.1.2 Online 43.18 42.02 4809 4527
1.2 Debit Cards 40.60 39.26 2374 2325
1.2.1 PoS based 19.40 18.87 928 955
1.2.2 Online 21.20 20.39 1446 1370
2. Prepaid Payment Instruments 37.82 38.97 1585 1691
2.1 PoS based 33.48 34.81 1306 1434
2.2 Online 4.35 4.16 280 258
3. Cash Withdrawal at ATMs 7.11 6.71 1662 1711
3.1 Using Credit Cards 0.45 0.48 81 99
3.2 Using Debit Cards 4.65 4.21 898 872
3.3 Using PPIs 2.01 2.01 683 740
Total International Payments 162.16 162.13 12897 12949

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
July 2023 2.24 286 59898.87 0.146 bps
August 2023 2.40 320 58391.71 0.157 bps
September 2023 2.52 366 55057.76 0.174 bps
October 2023 2.23 335 66950.05 0.164 bps
November 2023 2.57 428 57618.81 0.209 bps
December 2023 2.92 432 53327.09 0.187 bps
January 2024 2.69 435 56335.82 0.207 bps
February 2024 2.57 507 61162.60 0.231 bps
March 2024 2.57 471 67394.38 0.177 bps
April 2024 2.38 414 70681.81 0.191 bps
May 2024 2.81 545 62637.44 0.240 bps
June 2024 2.36 480 73786.50 0.206 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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