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43. Payment System Indicators

Date : Jul 15, 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

May

Apr.

May

Apr.

May

A. Settlement Systems

Financial Market Infrastructures (FMIs)

1 CCIL Operated Systems (1.1 to 1.3)

27.97

1.71

2.36

2.08

161943141

10829793

15138384

14652880

1.1 Govt. Securities Clearing (1.1.1 to 1.1.3)

11.55

0.94

0.83

0.89

110634315

7785920

9963717

9966087

1.1.1 Outright

6.28

0.56

0.41

0.47

10032187

1010178

739674

710624

1.1.2 Repo

2.84

0.21

0.23

43751173

3130998

3829853

4280973

1.1.3 Tri-party Repo

2.43

0.18

0.20

0.19

56850956

3644744

5394189

4974490

1.2 Forex Clearing

16.04

0.75

1.49

1.14

48903961

2934498

4913256

4424858

1.3 Rupee Derivatives @

0.38

0.01

0.05

2404865

109375

261411

261935

B. Payment Systems

I Financial Market Infrastructures (FMIs)

–

1 Credit Transfers - RTGS (1.1 to 1.2)

1591.92

90.04

151.52

123.34

105599849

7041869

8802868

8366599

1.1 Customer Transactions

1573.47

88.68

150.19

122.28

91008367

6225396

7555042

7211162

1.2 Interbank Transactions

18.45

1.36

1.33

1.07

14591482

816473

1247825

1155437

II Retail

2 Credit Transfers - Retail (2.1 to 2.6)

317851.82

18091.79

34506.22

33866.22

33522150

2018010

2946342

2707637

2.1 AePS (Fund Transfers) @

11.32

0.87

0.94

0.96

623

2.2 APBS $

14372.99

1154.21

972.73

1343.10

112747

14245

5383

16261

2.3 IMPS

32783.47

1666.80

3229.68

2798.61

2941500

169402

299542

266289

2.4 NACH Cr $

16449.51

995.55

1029.55

1866.34

1232714

134182

101457

116463

2.5 NEFT

30927.89

1929.39

2862.71

2565.39

25130910

1481750

2046235

1819459

2.6 UPI @

223306.64

12344.97

26410.61

25291.82

4103658

218392

493664

489106

2.6.1 of which USSD @

10.45

0.75

0.96

1.01

172

3 Debit Transfers and Direct Debits (3.1 to 3.3)

10440.40

672.90

1001.32

936.41

872399

50962

82983

70589

3.1 BHIM Aadhaar Pay @

160.84

13.40

13.88

17.29

2580

159

377

422

3.2 NACH Dr $

9629.61

640.09

894.08

857.30

868906

50767

82467

70069

3.3 NETC (linked to bank account) @

649.96

19.41

93.36

61.82

913

139

4 Card Payments (4.1 to 4.2)

57841.30

3687.68

4833.00

3982.53

1293080

70209

115572

98818

4.1 Credit Cards (4.1.1 to 4.1.2)

17641.06

1028.86

1575.32

1346.59

630414

32225

59049

54729

4.1.1 PoS based $

8688.81

432.30

782.31

512.81

280769

13470

26314

18597

4.1.2 Others $

8952.25

596.56

793.00

833.79

349645

18755

32735

36132

4.2 Debit Cards (4.2.1 to 4.2.1)

40200.24

2658.82

3257.68

2635.94

662667

37984

56523

44088

4.2.1 PoS based $

20805.24

1121.15

1822.82

1197.18

378044

18814

35861

23019

4.2.2 Others $

19395.00

1537.67

1434.86

1438.76

284623

19170

20662

21070

5 Prepaid Payment Instruments (5.1 to 5.2)

49392.29

3031.90

4762.03

3848.74

197696

12808

22148

21509

5.1 Wallets

39987.01

2532.20

3963.08

3180.18

152065

11080

14421

14626

5.2 Cards (5.2.1 to 5.2.2)

9405.28

499.70

798.95

668.56

45631

1729

7727

6883

5.2.1 PoS based $

437.33

40.82

36.85

32.74

11639

551

1642

1303

5.2.2 Others $

8967.94

458.89

762.11

635.82

33992

1177

6085

5580

6 Paper-based Instruments (6.1 to 6.2)

6703.70

306.77

557.79

366.69

5627189

260227

553322

341794

6.1 CTS (NPCI Managed)

6702.53

306.50

557.79

366.69

5625941

260012

553322

341794

6.2 Others

1.17

0.27

0.00

1249

215

–

Total - Retail Payments (2+3+4+5+6)

442229.48

25791.05

45660.36

43000.59

41512514

2412217

3720367

3240347

Total Payments (1+2+3+4+5+6)

443821.40

25881.09

45811.88

43123.94

147112363

9454086

12523235

11606947

Total Digital Payments (1+2+3+4+5)

437117.70

25574.32

45254.09

42757.25

141485173

9193859

11969913

11265153

PART II - Payment Modes and Channels

System

Volume (Lakh)

Value (₹ Crore)

FY 2020-21

2020

2021

FY 2020-21

2020

2021

May

Apr.

May

Apr.

May

A. Other Payment Channels

1 Mobile Payments (mobile app based) (1.1 to 1.2)

252364.97

14622.03

32494.77

29734.31

9089832

485513

1006256

898224

1.1 Intra-bank $

25130.99

1264.97

2563.99

2528.93

1865484

94592

191178

174307

1.2 Inter-bank $

227233.98

13357.06

29930.78

27205.39

7224348

390921

815078

723917

2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2)

32483.42

2001.55

2682.48

2336.06

41534334

2478348

3180133

2953188

2.1 Intra-bank @

6886.15

480.62

567.04

492.39

20601554

1248994

1352169

1290828

2.2 Inter-bank @

25597.27

1520.93

2115.44

1843.67

20932780

1229353

1827964

1662360

B. ATMs

3 Cash Withdrawal at ATMs $ (3.1 to 3.3)

60905.81

4079.52

5256.36

4169.98

2889826

195921

255527

202854

3.1 Using Credit Cards $

51.41

2.76

5.09

3.65

2560

141

258

187

3.2 Using Debit Cards $

60602.23

4061.82

5226.23

4142.63

2878025

195283

254397

201978

3.3 Using Pre-paid Cards $

252.17

14.94

25.03

23.69

9240

496

871

690

4 Cash Withdrawal at PoS $ (4.1 to 4.2)

394.60

36.25

22.06

20.81

1532

116

133

122

4.1 Using Debit Cards $

353.33

36.06

18.85

18.08

1483

116

111

102

4.2 Using Pre-paid Cards $

41.27

0.19

3.20

2.73

5 Cash Withrawal at Micro ATMs @

9460.43

1000.69

725.35

824.36

225420

17929

21701

24138

5.1 AePS @

9460.43

1000.69

725.35

824.36

225420

17929

21701

24138

PART III - Payment Infrastructures (Lakh)

System

As on March 2021

2020

2021

May

Apr.

May

Payment System Infrastructures

1 Number of Cards (1.1 to 1.2)

9602.51

8925.29

9630.55

9647.02

1.1 Credit Cards

620.49

571.80

622.60

623.93

1.2 Debit Cards

8982.02

8353.49

9007.95

9023.09

2 Number of PPIs @ (2.1 to 2.2)

21951.37

18689.42

22216.97

22609.29

2.1 Wallets @

20052.10

17302.28

20249.78

20542.99

2.2 Cards @

1900.51

1387.15

1967.19

2066.30

3 Number of ATMs (3.1 to 3.2)

2.39

2.34

2.40

3.1 Bank owned ATMs $

2.14

2.10

2.14

2.15

3.2 White Label ATMs $

0.25

0.24

0.25

0.26

4 Number of Micro ATMs @

4.04

2.84

4.14

4.25

5 Number of PoS Terminals

47.20

43.22

45.25

45.10

6 Bharat QR @

35.70

20.59

40.28

48.63

7 UPI QR *

925.22

–

978.19

981.82

@: 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.

RBI Bulletin

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43. Payment System Indicators

Date : Jul 15, 2021

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