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43. Payment System Indicators
Date : Sep 11, 2020
PART I - Payment System Indicators - Payment & Settlement System Statistics
System Volume (Lakh) Value (₹ Crore)
FY 2019-20 2019 2020 FY 2019-20 2019 2020
Jul. Jun. Jul. Jul. Jun. Jul.
1 2 3 4 5 6 7 8
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems (1.1 to 1.3) 2.23 2.52 13383223 14102229
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 1.01 1.22 9590341 9407660
1.1.1 Outright 0.54 0.73 928567 1146554
1.1.2 Repo 0.27 0.29 4244619 4098668
1.1.3 Tri-party Repo 0.21 0.20 4417155 4162438
1.2 Forex Clearing 1.19 1.28 3658697 4544294
1.3 Rupee Derivatives @ 0.02 0.02 134185 150275
B. Payment Systems                
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS (1.1 to 1.2) 119.68 124.76 8651978 8335279
1.1 Customer Transactions 118.09 123.22 7641700 7137945
1.2 Interbank Transactions 1.59 1.55 1010278 1197334
II Retail                
2 Credit Transfers - Retail (2.1 to 2.7) 20341.65 21832.34 2499421 2587356
2.1 AePS (Fund Transfers) @ 0.89 0.86 47 45
2.2 APBS $ 1371.10 1182.38 11767 8976
2.3 ECS Cr 0.00 0.00
2.4 IMPS 1989.12 2220.99 206951 225775
2.5 NACH Cr $ 1337.21 1053.54 112236 98909
2.6 NEFT 2274.01 2401.03 1906586 1963113
2.7 UPI @ 13369.31 14973.54 261835 290538
2.7.1 of which USSD @ 0.85 0.91 15 15
3 Debit Transfers and Direct Debits (3.1 to 3.4) 837.03 855.71 70703 68356
3.1 BHIM Aadhaar Pay @ 14.67 15.96 186 216
3.2 ECS Dr 0.00 0.00
3.3 NACH Dr $ 788.94 801.08 70492 68083
3.4 NETC (linked to bank account) @ 33.42 38.67 25 56
4 Card Payments (4.1 to 4.2) 4339.15 4578.31 105267 112039
4.1 Credit Cards (4.1.1 to 4.1.2) 1248.55 1319.66 42773 45558
4.1.1 PoS based $ 588.58 601.63 19293 20107
4.1.2 Others $ 659.97 718.03 23479 25451
4.2 Debit Cards (4.2.1 to 4.2.1 ) 3090.60 3258.65 62494 66481
4.2.1 PoS based $ 1475.38 1461.94 25788 25821
4.2.2 Others $ 1615.22 1796.71 36705 40660
5 Prepaid Payment Instruments (5.1 to 5.2) 3546.66 3987.42 14494 15521
5.1 Wallets 2905.67 3205.59 12132 12892
5.2 Cards (5.2.1 to 5.2.2) 640.98 781.83 2362 2629
5.2.1 PoS based $ 35.36 24.49 710 628
5.2.2 Others $ 605.62 757.34 1652 2002
6 Paper-based Instruments (6.1 to 6.2) 496.68 532.38 401666 434072
6.1 CTS (NPCI Managed) 496.37 532.24 401441 433799
6.2 Others 0.32 0.14 225 272
Total - Retail Payments (2+3+4+5+6) 29561.16 31786.17 3091551 3217344
Total Payments (1+2+3+4+5+6) 29680.84 31910.93 11743529 11552623
Total Digital Payments (1+2+3+4+5) 29184.16 31378.55 11341863 11118551

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2019-20 2019 2020 FY 2019-20 2019 2020
Jul. Jun. Jul. Jul. Jun. Jul.
1 2 3 4 5 6 7 8
A. Other Payment Channels                
1 Mobile Payments (mobile app based) (1.1 to 1.2) 16188.00 17281.26 599381 637489
1.1 Intra-bank $ 1423.94 1574.10 118965 130568
1.2 Inter-bank $ 14764.06 15707.16 480416 506921
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 2431.49 2673.76 3123215 3251167
2.1 Intra-bank @ 533.60 582.31 1529247 1595612
2.2 Inter-bank @ 1897.89 2091.45 1593967 1655556
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 4735.87 4708.63 231372 234119
3.1 Using Credit Cards $ 3.23 3.29 163 167
3.2 Using Debit Cards $ 4717.74 4686.13 230588 233256
3.3 Using Pre-paid Cards $ 14.91 19.20 620 697
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 29.42 33.57 116 136
4.1 Using Debit Cards $ 27.82 30.67 114 132
4.2 Using Pre-paid Cards $ 1.60 2.90 3 3
5 Cash Withrawal at Micro ATMs @ 990.75 743.41 19749 17469
5.1 AePS @ 990.75 743.41 19749 17469

PART III - Payment Infrastructures (Lakh)
System FY 2019-20 2019 2020
Jul. Jun. Jul.
1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 9027.03 9099.87
1.1 Credit Cards 572.89 576.32
1.2 Debit Cards 8454.14 8523.55
2 Number of PPIs @ (2.1 to 2.2) 19008.07 19272.63
2.1 Wallets @ 17553.64 17749.31
2.2 Cards @ 1454.43 1523.32
3 Number of ATMs (3.1 to 3.2) 2.34 2.34
3.1 Bank owned ATMs $ 2.10 2.10
3.2 White Label ATMs $ 0.24 0.24
4 Number of Micro ATMs @ 2.96 3.06
5 Number of PoS Terminals 50.39 50.80
6 Bharat QR @ 21.51 22.37
@: 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; digtal bill payments and card-to-card transfer through ATMs, etc.. Also, failed transactions, chargebacks, reversals, expired cards/ wallets, are excluded.
Part I-A. Settlement systems
1.1.3: Tri- party Repo under the securities segment has been operationalised from November 05, 2018.
Part I-B. Payments systems
4.1.2: ‘Others’ includes e-commerce transactions and digital bill payments through ATMs, etc.
4.2.2: ‘Others’ includes e-commerce transactions, card to card transfers and digital bill payments through ATMs, etc.
5: Available from December 2010.
5.1: includes purchase of goods and services and fund transfer through wallets.
5.2.2: includes usage of PPI Cards for online transactions and other transactions.
6.1: Pertain to three grids – Mumbai, New Delhi and Chennai.
6.2: ‘Others’ comprises of Non-MICR transactions which pertains to clearing houses managed by 21 banks.
Part II-A. Other payment channels
1: Mobile Payments –
o Include transactions done through mobile apps of banks and UPI apps.
o 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: Internet Payments – includes only e-commerce transactions through ‘netbanking’ and any financial transaction using internet banking website of the bank.
Part II-B. ATMs
3.3 and 4.2: only relates to transactions using bank issued PPIs.
Part III. Payment systems infrastructure
3: Includes ATMs deployed by Scheduled Commercial Banks (SCBs) and White Label ATM Operators (WLAOs). WLAs are included from April 2014 onwards.

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