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43. Payment System Indicators

Date : Dec 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

Oct.

Sep.

Oct.

Sep.

Oct.

A. Settlement Systems

Financial Market Infrastructures (FMIs)

1 CCIL Operated Systems (1.1 to 1.3)

27.97

2.44

3.21

2.85

161943141

12416671

16683094

16600978

1.1 Govt. Securities Clearing (1.1.1 to 1.1.3)

11.55

1.06

1.37

1.04

110634315

8849617

11404584

11415739

1.1.1 Outright

6.28

0.61

0.90

0.55

10032187

900488

1127485

745937

1.1.2 Repo

2.84

0.27

0.25

43751173

4108317

3885956

3822009

1.1.3 Tri-party Repo

2.43

0.18

0.22

0.23

56850956

3840812

6391143

6847793

1.2 Forex Clearing

16.04

1.36

1.77

1.73

48903961

3435633

4826170

4736040

1.3 Rupee Derivatives @

0.38

0.02

0.07

0.08

2404865

131420

452340

449200

B. Payment Systems

I Financial Market Infrastructures (FMIs)

–

1 Credit Transfers - RTGS (1.1 to 1.2)

1591.92

138.22

174.57

184.11

105599849

8496046

11069631

10134368

1.1 Customer Transactions

1573.47

136.54

173.33

182.90

91008367

7226105

9838858

8956918

1.2 Interbank Transactions

18.45

1.68

1.24

1.22

14591482

1269941

1230773

1177450

II Retail

2 Credit Transfers - Retail (2.1 to 2.6)

317867.74

28646.32

45720.72

52919.52

33504226

2993166

3495969

3748602

2.1 AePS (Fund Transfers) @

11.31

1.02

0.98

0.86

623

2.2 APBS $

14372.99

961.85

781.62

1192.91

111001

5531

6199

7519

2.3 IMPS

32783.47

3189.72

3848.84

4306.71

2941500

274645

324096

370712

2.4 NACH Cr $

16465.44

1015.89

1171.57

1660.26

1216535

91438

91281

122519

2.5 NEFT

30927.89

2761.65

3359.54

3574.46

25130910

2235389

2419688

2476397

2.6 UPI @

223306.64

20716.19

36558.17

42184.32

4103658

386107

654648

771407

2.6.1 of which USSD @

10.45

0.97

1.14

1.11

172

3 Debit Transfers and Direct Debits (3.1 to 3.3)

10456.54

920.15

987.44

979.36

865520

79305

84660

85776

3.1 BHIM Aadhaar Pay @

160.84

10.55

19.39

21.49

2580

192

440

560

3.2 NACH Dr $

9645.75

848.34

878.31

865.69

862027

79022

84068

85103

3.3 NETC (linked to bank account) @

649.96

61.26

89.74

92.18

913

152

114

4 Card Payments (4.1 to 4.2)

57786.60

5650.70

5337.50

6008.76

1291799

133792

142817

177413

4.1 Credit Cards (4.1.1 to 4.1.2)

17641.06

1718.03

1847.21

2155.81

630414

64652

80228

100943

4.1.1 PoS based $

8688.81

818.33

961.53

1075.23

280769

26956

31743

38442

4.1.2 Others $

8952.25

899.70

885.68

1080.58

349645

37696

48485

62500

4.2 Debit Cards (4.2.1 to 4.2.1)

40145.54

3932.66

3490.29

3852.95

661385

69141

62589

76471

4.2.1 PoS based $

20773.50

1983.98

2053.00

2302.56

377630

37110

38591

47226

4.2.2 Others $

19372.04

1948.68

1437.29

1550.39

283755

32031

23998

29245

5 Prepaid Payment Instruments (5.1 to 5.2)

49742.55

4623.12

4934.60

6131.06

197696

17802

30273

26372

5.1 Wallets

39987.01

3639.89

3884.65

4888.97

152065

13718

25645

21702

5.2 Cards (5.2.1 to 5.2.2)

9755.54

983.23

1049.96

1242.09

45631

4084

4628

4670

5.2.1 PoS based $

607.15

50.99

94.43

64.58

10591

947

825

998

5.2.2 Others $

9148.39

932.24

955.52

1177.51

35040

3136

3803

3672

6 Paper-based Instruments (6.1 to 6.2)

6703.70

643.08

624.10

635.20

5627108

524090

566468

582604

6.1 CTS (NPCI Managed)

6702.54

643.08

624.10

635.20

5625859

524090

566468

582604

6.2 Others

1.17

–

1249

–

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

442557.14

40483.36

57604.36

66673.91

41486348

3748156

4320187

4620768

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

444149.06

40621.58

57778.93

66858.02

147086197

12244202

15389818

14755136

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

437445.36

39978.50

57154.83

66222.82

141459089

11720112

14823351

14172532

PART II - Payment Modes and Channels

System

Volume (Lakh)

Value (₹ Crore)

FY 2020-21

2020

2021

FY 2020-21

2020

2021

Oct.

Sep.

Oct.

Sep.

Oct.

A. Other Payment Channels

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

258033.70

22801.51

39989.49

44750.88

9201212

798327

1178882

1344959

1.1 Intra-bank $

25220.71

2103.09

3358.50

3761.37

1871390

158841

218049

243704

1.2 Inter-bank $

232812.99

20698.41

36630.99

40989.51

7329822

639486

960832

1101254

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

32493.63

2977.78

3187.18

3233.71

41581497

3407315

4003452

3960872

2.1 Intra-bank @

6886.15

619.27

598.49

631.51

20601554

1646090

1795714

1723311

2.2 Inter-bank @

25607.48

2358.51

2588.68

2602.20

20979943

1761225

2207737

2237561

B. ATMs

3 Cash Withdrawal at ATMs $ (3.1 to 3.3)

60905.81

5660.71

5545.36

6037.78

2889826

268881

257964

289913

3.1 Using Credit Cards $

51.41

4.85

4.98

5.64

2560

240

249

286

3.2 Using Debit Cards $

60602.23

5630.83

5512.90

6002.43

2878025

267747

256767

288605

3.3 Using Pre-paid Cards $

252.17

25.04

27.48

29.71

9240

893

948

1022

4 Cash Withdrawal at PoS $ (4.1 to 4.2)

394.77

34.11

5.37

4.79

1533

134

4.1 Using Debit Cards $

353.50

29.24

5.08

4.44

1484

129

4.2 Using Pre-paid Cards $

41.27

4.87

0.29

0.35

5 Cash Withrawal at Micro ATMs @

9460.43

720.69

888.88

946.33

225420

18354

22793

24799

5.1 AePS @

9460.43

720.69

888.88

946.33

225420

18354

22793

24799

PART III - Payment Infrastructures (Lakh)

System

As on March 2021

2020

2021

Oct.

Sep.

Oct.

Payment System Infrastructures

1 Number of Cards (1.1 to 1.2)

9602.51

9335.85

9853.28

10004.07

1.1 Credit Cards

620.49

594.20

650.25

663.61

1.2 Debit Cards

8982.02

8741.65

9203.03

9340.46

2 Number of PPIs @ (2.1 to 2.2)

21952.60

20143.54

22461.77

25307.71

2.1 Wallets @

20052.10

18578.63

20203.10

22886.70

2.2 Cards @

1900.51

1564.92

2258.68

2421.01

3 Number of ATMs (3.1 to 3.2)

2.39

2.34

2.41

3.1 Bank owned ATMs $

2.14

2.10

2.13

3.2 White Label ATMs $

0.25

0.24

0.28

4 Number of Micro ATMs @

4.04

3.49

5.13

5.34

5 Number of PoS Terminals

47.20

45.81

49.77

51.55

6 Bharat QR @

35.70

26.05

52.85

45.59

7 UPI QR *

925.22

657.45

1196.08

1283.81

@: 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

Search Archives

43. Payment System Indicators

Date : Dec 15, 2021

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