| PART I - Payment & Settlement System Statistics |
| System | Volume
(Lakh) | Value
(₹ Crore) |
| 2018-19 | 2018 | 2019 | 2018-19 | 2018 | 2019 |
| Nov. | Oct. | Nov. | Nov. | Oct. | Nov. |
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
| A. Settlement Systems | | | | | | | | |
| Financial Market Infrastructures (FMIs) | | | | | | | | |
| 1 CCIL Operated Systems (1.1 to 1.3) | – | – | – | 2.78 | – | – | – | 10655649 |
| 1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) | – | – | – | 1.01 | – | – | – | 6869045 |
| 1.1.1 Outright | – | – | – | 0.63 | – | – | – | 862104 |
| 1.1.2 Repo | – | – | – | 0.19 | – | – | – | 2359755 |
| 1.1.3 Tri-party Repo | – | – | – | 0.19 | – | – | – | 3647186 |
| 1.2 Forex Clearing | – | – | – | 1.74 | – | – | – | 3525359 |
| 1.3 Rupee Derivatives @ | – | – | – | 0.04 | – | – | – | 261245 |
| B. Payment Systems | | | | | | | | |
| I Financial Market Infrastructures (FMIs) | – | – | – | – | – | – | – | – |
| 1 Credit Transfers - RTGS (1.1 to 1.2) | – | – | – | 133.87 | – | – | – | 8679806 |
| 1.1 Customer Transactions | – | – | – | 131.61 | – | – | – | 7469569 |
| 1.2 Interbank Transactions | – | – | – | 2.27 | – | – | – | 1210237 |
| II Retail | | | | | | | | |
| 2 Credit Transfers - Retail (2.1 to 2.7) | – | – | – | 18750.31 | – | – | – | 2226286 |
| 2.1 AePS (Fund Transfers) @ | – | – | – | 0.64 | – | – | – | 33 |
| 2.2 APBS $ | – | – | – | 1364.56 | – | – | – | 6908 |
| 2.3 ECS Cr | – | – | – | 0.00 | – | – | – | – |
| 2.4 IMPS | – | – | – | 2280.75 | – | – | – | 202904 |
| 2.5 NACH Cr $ | – | – | – | 722.06 | – | – | – | 92562 |
| 2.6 NEFT | – | – | – | 2194.59 | – | – | – | 1734651 |
| 2.7 UPI @ | – | – | – | 12187.71 | – | – | – | 189229 |
| 2.7.1 of which USSD @ | – | – | – | 0.74 | – | – | – | 13 |
| 3 Debit Transfers and Direct Debits (3.1 to 3.4) | – | – | – | 766.41 | – | – | – | 70199 |
| 3.1 BHIM Aadhaar Pay @ | – | – | – | 6.46 | – | – | – | 97 |
| 3.2 ECS Dr | – | – | – | 0.00 | – | – | – | – |
| 3.3 NACH Dr $ | – | – | – | 758.18 | – | – | – | 70097 |
| 3.4 NETC (linked to bank account) @ | – | – | – | 1.77 | – | – | – | 5 |
| 4 Card Payments (4.1 to 4.2) | – | – | – | 6062.09 | – | – | – | 137707 |
| 4.1 Credit Cards (4.1.1 to 4.1.2) | – | – | – | 1762.12 | – | – | – | 60130 |
| 4.1.1 PoS based $ | – | – | – | 1033.52 | – | – | – | 31730 |
| 4.1.2 Others $ | – | – | – | 728.60 | – | – | – | 28401 |
| 4.2 Debit Cards (4.2.1 to 4.2.1) | – | – | – | 4299.96 | – | – | – | 77577 |
| 4.2.1 PoS based $ | – | – | – | 2483.18 | – | – | – | 37007 |
| 4.2.2 Others $ | – | – | – | 1816.79 | – | – | – | 40570 |
| 5 Prepaid Payment Instruments (5.1 to 5.2) | – | – | – | 4672.07 | – | – | – | 17844 |
| 5.1 Wallets | – | – | – | 3354.08 | – | – | – | 14652 |
| 5.2 Cards (5.2.1 to 5.2.2) | – | – | – | 1317.99 | – | – | – | 3192 |
| 5.2.1 PoS based $ | – | – | – | 123.86 | – | – | – | 738 |
| 5.2.2 Others $ | – | – | – | 1194.13 | – | – | – | 2454 |
| 6 Paper-based Instruments (6.1 to 6.2) | – | – | – | 866.12 | – | – | – | 644802 |
| 6.1 CTS (NPCI Managed) | – | – | – | 864.86 | – | – | – | 643678 |
| 6.2 Others | – | – | – | 1.26 | – | – | – | 1124 |
| Total - Retail Payments (2+3+4+5+6) | – | – | – | 31117.01 | – | – | – | 3096840 |
| Total Payments (1+2+3+4+5+6) | – | – | – | 31250.88 | – | – | – | 11776646 |
| Total Digital Payments (1+2+3+4+5) | – | – | – | 30384.76 | – | – | – | 11131843 |
| PART II - Payment Modes and Channels |
| System | Volume
(Lakh) | Value
(₹ Crore) |
| 2018-19 | 2018 | 2019 | 2018-19 | 2018 | 2019 |
| Nov. | Oct. | Nov. | Nov. | Oct. | Nov. |
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
| A. Other Payment Channels | | | | | | | | |
| 1 Mobile Payments (mobile app based) (1.1 to 1.2) | – | – | – | 13623.07 | – | – | – | 471295 |
| 1.1 Intra-bank $ | – | – | – | 1323.68 | – | – | – | 96802 |
| 1.2 Inter-bank $ | – | – | – | 12299.40 | – | – | – | 374494 |
| 2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) | – | – | – | 2552.21 | – | – | – | 2193730 |
| 2.1 Intra-bank @ | – | – | – | 559.52 | – | – | – | 947068 |
| 2.2 Inter-bank @ | – | – | – | 1992.69 | – | – | – | 1246662 |
| B. ATMs | | | | | | | | |
| 3 Cash Withdrawal at ATMs $ (3.1 to 3.3) | – | – | – | 6305.28 | – | – | – | 293580 |
| 3.1 Using Credit Cards $ | – | – | – | 7.99 | – | – | – | 381 |
| 3.2 Using Debit Cards $ | – | – | – | 6269.60 | – | – | – | 284083 |
| 3.3 Using Pre-paid Cards $ | – | – | – | 27.68 | – | – | – | 9116 |
| 4 Cash Withdrawal at PoS $ (4.1 to 4.2) | – | – | – | 66.63 | – | – | – | 173 |
| 4.1 Using Debit Cards $ | – | – | – | 62.30 | – | – | – | 125 |
| 4.2 Using Pre-paid Cards $ | – | – | – | 4.32 | – | – | – | 48 |
| 5 Cash Withrawal at Micro ATMs @ | – | – | – | 339.83 | – | – | – | 9648 |
| 5.1 AePS @ | – | – | – | 339.83 | – | – | – | 9648 |
| PART III - Payment Infrastructures (lakh) |
| System | 2018-19 | 2018 | 2019 |
| Nov. | Oct. | Nov. |
| 1 | 2 | 3 | 4 |
| Payment System Infrastructures | | | | |
| 1 Number of Cards (1.1 to 1.2) | – | – | – | 8851.69 |
| 1.1 Credit Cards | – | – | – | 544.11 |
| 1.2 Debit Cards | – | – | – | 8307.59 |
| 2 Number of PPIs @ (2.1 to 2.2) | – | – | – | 17253.28 |
| 2.1 Wallets @ | – | – | – | 16243.87 |
| 2.2 Cards @ | – | – | – | 1009.41 |
| 3 Number of ATMs (3.1 to 3.2) | – | – | – | 2.32 |
| 3.1 Bank owned ATMs $ | – | – | – | 2.10 |
| 3.2 White Label ATMs $ | – | – | – | 0.22 |
| 4 Number of Micro ATMs @ | – | – | – | 2.35 |
| 5 Number of PoS Terminals | – | – | – | 48.83 |
| 6 Bharat QR @ | – | – | – | 15.94 |
@: New inclusion w.e.f. November 2019
$ : Inclusion separately initiated from November 2019 - would have been part of other items hitherto.
Note : 1. Data is provisional.
2. The data for November 2019 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.
3. Only domestic financial transactions are considered. The new format captures e-commerce transactions; transactions using FASTags; cash deposits, bill payments and card-to-card transfer through ATMs, etc.. Also, failed transactions, chargebacks, reversals, expired cards/ wallets, are excluded.
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. |