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43. Payment System Indicators
Date : May 17, 2021
PART I - Payment System Indicators - Payment & Settlement System Statistics
System Volume (Lakh) Value (₹ Crore)
FY 2020-21 2020 2021 FY 2020-21 2020 2021
Mar. Feb. Mar. Mar. Feb. Mar.
1 2 3 4 5 6 7 8
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems (1.1 to 1.3) 27.97 3.14 2.44 2.92 161943141 13808922 15872384 17383479
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 11.55 1.27 0.95 0.91 110634315 8427404 10901991 11182301
1.1.1 Outright 6.28 0.86 0.47 0.42 10032187 1306083 681845 678873
1.1.2 Repo 2.84 0.23 0.24 0.26 43751173 3096901 3678988 4362390
1.1.3 Tri-party Repo 2.43 0.19 0.24 0.23 56850956 4024420 6541158 6141037
1.2 Forex Clearing 16.04 1.82 1.44 1.95 48903961 5034489 4629628 5828078
1.3 Rupee Derivatives @ 0.38 0.04 0.05 0.06 2404865 347030 340765 373100
B. Payment Systems                
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS (1.1 to 1.2) 1591.92 118.95 157.70 202.35 105599849 12047221 9050425 12982215
1.1 Customer Transactions 1573.47 117.06 156.20 200.70 91008367 10368946 7645510 11427958
1.2 Interbank Transactions 18.45 1.89 1.50 1.65 14591482 1678274 1404916 1554257
II Retail                
2 Credit Transfers - Retail (2.1 to 2.6) 317851.82 19743.26 30592.16 37208.47 33522150 2831185 2936833 4053692
2.1 AePS (Fund Transfers) @ 11.32 0.66 0.92 1.16 623 36 54 72
2.2 APBS $ 14372.99 1247.79 835.54 1128.83 112747 7951 5369 11086
2.3 IMPS 32783.47 2168.23 3189.73 3631.44 2941500 201962 275230 327236
2.4 NACH Cr $ 16449.51 1234.43 815.96 1648.80 1232714 131109 78273 164083
2.5 NEFT 30927.89 2623.70 2821.07 3481.39 25130910 2283665 2152844 3046329
2.6 UPI @ 223306.64 12468.45 22928.94 27316.85 4103658 206462 425063 504886
2.6.1 of which USSD @ 10.45 0.68 0.82 0.94 172 12 13 15
3 Debit Transfers and Direct Debits (3.1 to 3.3) 10440.40 818.06 861.58 1023.06 872399 76126 76497 86351
3.1 BHIM Aadhaar Pay @ 160.84 8.88 9.33 12.92 2580 141 223 346
3.2 NACH Dr $ 9629.61 791.30 781.07 904.64 868906 75952 76185 85851
3.3 NETC (linked to bank account) @ 649.96 17.88 71.18 105.50 913 33 88 154
4 Card Payments (4.1 to 4.2) 57841.30 5246.70 5067.32 5681.24 1293080 98783 119582 139715
4.1 Credit Cards (4.1.1 to 4.1.2) 17641.06 1638.57 1613.77 1887.27 630414 50574 60105 72319
4.1.1 PoS based $ 8688.81 900.64 863.91 1012.86 280769 26656 27754 33286
4.1.2 Others $ 8952.25 737.93 749.87 874.41 349645 23918 32350 39033
4.2 Debit Cards (4.2.1 to 4.2.1) 40200.24 3608.13 3453.55 3793.97 662667 48209 59478 67396
4.2.1 PoS based $ 20805.24 1925.25 2013.95 2240.07 378044 27238 37465 42816
4.2.2 Others $ 19395.00 1682.88 1439.60 1553.89 284623 20971 22013 24580
5 Prepaid Payment Instruments (5.1 to 5.2) 49392.26 3982.85 4519.80 5154.57 197695 15341 18274 21371
5.1 Wallets 39987.01 3178.60 3652.79 4182.92 152065 13111 12742 14856
5.2 Cards (5.2.1 to 5.2.2) 9405.25 804.25 867.00 971.65 45630 2229 5532 6515
5.2.1 PoS based $ 437.31 81.02 35.79 42.20 11639 1021 1257 1579
5.2.2 Others $ 8967.94 723.23 831.21 929.45 33992 1209 4275 4937
6 Paper-based Instruments (6.1 to 6.2) 6703.70 710.34 636.07 806.59 5627189 565315 547109 722031
6.1 CTS (NPCI Managed) 6702.53 710.01 636.07 806.59 5625941 565046 547109 722031
6.2 Others 1.17 0.33 0.00 0.00 1249 269
Total - Retail Payments (2+3+4+5+6) 442229.48 30501.21 41676.93 49873.93 41512514 3586750 3698295 5023161
Total Payments (1+2+3+4+5+6) 443821.40 30620.16 41834.63 50076.28 147112363 15633971 12748721 18005375
Total Digital Payments (1+2+3+4+5) 437117.70 29909.81 41198.56 49269.69 141485173 15068656 12201612 17283344

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2020-21 2020 2021 FY 2020-21 2020 2021
Mar. Feb. Mar. Mar. Feb. Mar.
1 2 3 4 5 6 7 8
A. Other Payment Channels                
1 Mobile Payments (mobile app based) (1.1 to 1.2) 252364.97 13830.33 24274.50 32971.49 9089832 520199 931529 1246220
1.1 Intra-bank $ 25130.99 1287.27 2345.81 4852.88 1865484 109624 186602 270764
1.2 Inter-bank $ 227233.98 12543.06 21928.69 28118.60 7224348 410575 744927 975456
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 32483.42 2530.83 2900.22 3390.80 41534334 3421077 3999196 4976087
2.1 Intra-bank @ 6886 584.09 580.98 707.26 20601554 1595574 2076458 2355028
2.2 Inter-bank @ 25597.27 1946.74 2319.24 2683.55 20932780 1825503 1922739 2621059
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 60905.79 5444.16 5534.33 6040.00 2889825 248574 259249 285267
3.1 Using Credit Cards $ 51.41 7.54 4.98 5.92 2560 360 253 307
3.2 Using Debit Cards $ 60602.23 5413.75 5506.07 6007.92 2878025 247429 258100 283955
3.3 Using Pre-paid Cards $ 252.15 22.87 23.28 26.16 9239 785 895 1006
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 394.60 33.69 21.79 22.38 1532 110 117 119
4.1 Using Debit Cards $ 353.33 30.55 19.81 19.49 1483 105 114 114
4.2 Using Pre-paid Cards $ 41.27 3.14 1.98 2.90 49 5 3 5
5 Cash Withrawal at Micro ATMs @ 9460.43 344.98 656.57 763.86 225420 9993 18381 22276
5.1 AePS @ 9460.43 344.98 656.57 763.86 225420 9993 18381 22276

PART III - Payment Infrastructures (Lakh)
System As on March 2021 2020 2021
Mar. Feb. Mar.
1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 9602.51 8863.07 9556.49 9602.51
1.1 Credit Cards 620.49 577.45 616.47 620.49
1.2 Debit Cards 8982.02 8285.62 8940.02 8982.02
2 Number of PPIs @ (2.1 to 2.2) 21951.37 18251.64 21556.23 21951.37
2.1 Wallets @ 20052.10 17032.85 19733.68 20052.10
2.2 Cards @ 1899.27 1218.79 1822.56 1899.27
3 Number of ATMs (3.1 to 3.2) 2.39 2.34 2.35 2.39
3.1 Bank owned ATMs $ 2.14 2.11 2.10 2.14
3.2 White Label ATMs $ 0.25 0.24 0.25 0.25
4 Number of Micro ATMs @ 4.04 2.71 3.73 4.04
5 Number of PoS Terminals 47.20 43.71 47.15 47.20
6 Bharat QR @ 35.70 20.28 34.92 35.70
7 UPI QR * 925.22 875.86 925.22
@: New inclusion w.e.f. November 2019
$ : Inclusion separately initiated from November 2019 - would have been part of other items hitherto.
*: New inclusion w.e.f. September 2020; Includes only static UPI QR Code
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.
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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