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43. Payment System Indicators
Date : Oct 11, 2019
System Volume (Lakh) Value (₹ Crore)
2018-19 2019 2018-19 2019
Jun. Jul. Aug. Jun. Jul. Aug.
1 2 3 4 5 6 7 8
1 RTGS 1366.30 118.26 127.45 118.79 171552061 15299131 16004194 14842138
1.1 Customer Transactions 1332.96 115.99 125.07 116.56 118436812 10177608 10886126 9829147
1.2 Interbank Transactions 33.07 2.24 2.35 2.21 17251375 1824135 1690930 1694482
1.3 Interbank Clearing 0.267 0.024 0.027 0.024 35863874 3297389 3427138 3318509
2 CCIL Operated Systems 36.17 3.10 3.62 3.34 116551038 10918363 11683806 10510799
2.1 CBLO 1.30 18140463
2.2 Govt. Securities Clearing 11.11 1.48 1.78 1.30 50931587 6828452 7518962 6471125
2.2.1 Outright 8.06 1.11 1.36 0.93 9355007 1507446 1766292 1292195
2.2.2 Repo 2.162 0.205 0.229 0.186 27124989 2441204 2562517 2162777
2.2.3 Tri-party Repo 0.89 0.17 0.19 0.18 14451590 2879802 3190152 3016154
2.3 Forex Clearing 23.76 1.62 1.84 2.05 47478988 4089910 4164844 4039674
3 Paper Clearing 11237.61 839.64 937.63 878.22 8246065 635798 687403 637093
3.1 Cheque Truncation System (CTS) 11116.69 836.46 934.80 875.55 8153592 633018 685224 635055
3.2 MICR Clearing
3.2.1 RBI Centres _ _ _
3.2.2 Other Centres
3.3 Non-MICR Clearing 120.92 3.18 2.83 2.67 92473 2781 2179 2039
4 Retail Electronic Clearing 71132.50 6436.48 6887.21 7297.54 25874543 2058081 2114124 2136636
4.1 ECS DR 9.25 0.27 0.22 0.04 1258 9 4 7
4.2 ECS CR (includes NECS) 53.57 3.30 2.82 3.38 13235 924 968 914
4.3 EFT/NEFT 23188.87 1991.40 2194.19 2212.60 22793608 1749645 1784264 1796153
4.4 Immediate Payment Service (IMPS) 17529.09 1713.25 1892.76 2001.40 1590257 173019 182021 188886
4.5 National Automated Clearing House (NACH) 30351.71 2728.27 2797.21 3080.12 1476184 134484 146867 150676
5 Cards 160462.56 13760.24 14203.09 14234.95 4512210 398120 400652 405503
5.1 Credit Cards 17723.61 1640.46 1792.82 1804.31 607946 57317 60025 60011
5.1.1 Usage at ATMs 97.71 8.12 8.66 8.58 4533 388 409 410
5.1.2 Usage at POS 17625.90 1632.33 1784.16 1795.73 603413 56928 59616 59601
5.2 Debit Cards 142738.96 12119.79 12410.27 12430.65 3904264 340803 340626 345492
5.2.1 Usage at ATMs 98596.15 8004.84 8160.15 8142.95 3310789 283403 282133 287452
5.2.2 Usage at POS 44142.81 4114.94 4250.12 4287.70 593475 57400 58494 58040
6 Prepaid Payment Instruments (PPIs) 46072.29 3898.19 4075.89 4070.66 213324 17764 18437 18324
6.1 m-Wallet 41419.42 3347.01 3471.32 3493.36 183902 15471 15949 15693
6.2 PPI Cards 4652.33 551.17 604.57 577.31 29335 2293 2488 2631
6.3 Paper Vouchers 0.54 0.00 0.00 0.00 87
7 Mobile Banking 62003.19 8486.06 9111.82 10157.79 2958407 497543 563140 328043
8 Cards Outstanding 9717.19 8865.40 8908.80 9033.26
8.1 Credit Card 470.89 496.48 502.64 517.65
8.2 Debit Card 9246.30 8368.92 8406.16 8515.60
9 Number of ATMs (in actuals) 221703 226839 227629 228170
10 Number of POS (in actuals) 3722229 4068954 4252850 4409250
11 Grand Total (1.1+1.2+2+3+4+5+6) 290307.16 25055.89 26234.87 26603.49 291085366 26029868 27481479 25231983
Note : Data for latest 12 month period is provisional.
Mobile Banking - The data from July 2017 includes only individual payments and corporate payments initiated, processed, and authorised using mobile device.
Other corporate payments which are not initiated, processed, and authorised using mobile device are excluded.
2.1: With effect from November 05, 2018, CCIL has discontinued CBLO.
2.2.3: Tri-party Repo under the Securities segment has been operationalised from November 05, 2018.
1.3: Pertain to multilateral net settlement batches.
3.1: Pertain to three centres – Mumbai, New Delhi and Chennai.
3.3: Pertain to clearing houses managed by 21 banks.
6: Available from December 2010.
7: Include IMPS transactions.
9: Includes ATMs deployed by Scheduled Commercial banks and White Label ATMs (WLA). WLA are included from April 2014 onwards.
Mobile Banking - The data from July 2017 includes only individual payments and corporate payments initiated, processed, and authorised using mobile device. Other corporate payments which are not initiated, processed, and authorised using mobile device are excluded.

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