| PART I - Payment System Indicators - Payment & Settlement System Statistics | | | Volume (lakh) | Value (₹ crore) | | FY 2020-21 | 2020 June | 2021 | 2021 | FY 2020-21 | 2020 June | 2021 | 2021 | | May | June | May | June | | 1 | 2 | 4 | | 1 | 2 | 4 | | | A. Settlement Systems | | | | | | | | | | Financial Market Infrastructures (FMIs) | | | | | | | | | | 1 CCIL Operated Systems | 27.97 | 2.23 | 2.08 | 2.90 | 161943141 | 13383223 | 14652880 | 17144527 | | 1.1 Govt. Securities Clearing | 11.55 | 1.01 | 0.89 | 1.01 | 110634315 | 9590341 | 9966087 | 11317988 | | 1.1.1 Outright | 6.28 | 0.54 | 0.47 | 0.51 | 10032187 | 928567 | 710624 | 774292 | | 1.1.2 Repo | 2.84 | 0.27 | 0.23 | 0.27 | 43751173 | 4244619 | 4280973 | 4653921 | | 1.1.3 Tri-party Repo | 2.43 | 0.21 | 0.19 | 0.23 | 56850956 | 4417155 | 4974490 | 5889775 | | 1.2 Forex Clearing | 16.04 | 1.19 | 1.14 | 1.82 | 48903961 | 3658697 | 4424858 | 5408999 | | 1.3 Rupee Derivatives @ | 0.38 | 0.02 | 0.05 | 0.07 | 2404865 | 134185 | 261935 | 417541 | | B. Payment Systems | | | | | | | | | | I Financial Market Infrastructures (FMIs) | | | | | | | | | | 1 Credit Transfers - RTGS | 1591.92 | 119.68 | 123.34 | 154.14 | 105599849 | 8651978 | 8366599 | 10196989 | | 1.1 Customer Transactions | 1573.47 | 118.09 | 122.28 | 152.92 | 91008367 | 7641700 | 7211162 | 8887546 | | 1.2 Interbank Transactions | 18.45 | 1.59 | 1.07 | 1.22 | 14591482 | 1010278 | 1155437 | 1309444 | | II Retail | | | | | | | | | | 2 Credit Transfers - Retail | 317851.82 | 20341.65 | 33866.22 | 36684.40 | 33522150 | 2499421 | 2707637 | 3029728 | | 2.1 AePS (Fund Transfers) @ | 11.32 | 0.89 | 0.96 | 1.06 | 623 | 47 | 59 | 64 | | 2.2 APBS $ | 14372.99 | 1371.10 | 1343.10 | 1148.34 | 112747 | 11767 | 16261 | 8143 | | 2.3 IMPS | 32783.47 | 1989.12 | 2798.61 | 3038.45 | 2941500 | 206951 | 266289 | 284111 | | 2.4 NACH Cr $ | 16449.51 | 1337.21 | 1866.34 | 1498.12 | 1232714 | 112236 | 116463 | 92266 | | 2.5 NEFT | 30927.89 | 2274.01 | 2565.39 | 2923.27 | 25130910 | 1906586 | 1819459 | 2097771 | | 2.6 UPI @ | 223306.64 | 13369.31 | 25291.82 | 28075.16 | 4103658 | 261835 | 489106 | 547373 | | 2.6.1 of which USSD @ | 10.45 | 0.85 | 1.01 | 1.03 | 172 | 15 | 16 | 16 | | 3 Debit Transfers and Direct Debits | 10440.40 | 837.03 | 936.41 | 981.70 | 872399 | 70703 | 70589 | 86759 | | 3.1 BHIM Aadhaar Pay @ | 160.84 | 14.67 | 17.29 | 17.66 | 2580 | 186 | 422 | 417 | | 3.2 NACH Dr $ | 9629.61 | 788.94 | 857.30 | 878.73 | 868906 | 70492 | 70069 | 86215 | | 3.3 NETC (linked to bank account) @ | 649.96 | 33.42 | 61.82 | 85.31 | 913 | 25 | 98 | 128 | | 4 Card Payments | 57,841.30 | 4,250.89 | 3,980.67 | 4,563.57 | 12,93,080 | 90,484 | 96,102 | 1,14,340 | | 4.1 Credit Cards | 17,641.06 | 1,248.55 | 1,344.73 | 1,547.01 | 6,30,414 | 42,773 | 52,014 | 62,746 | | 4.1.1 PoS based $ | 8688.81 | 588.58 | 509.46 | 690.40 | 280769 | 19293 | 18477 | 23977 | | 4.1.2 Others $ | 8952.25 | 659.97 | 835.27 | 856.61 | 349645 | 23479 | 33537 | 38769 | | 4.2 Debit Cards | 40,200.24 | 3,002.34 | 2,635.94 | 3,016.56 | 662667 | 47711 | 44088 | 51594 | | 4.2.1 PoS based $ | 20805.24 | 1475.38 | 1197.18 | 1564.91 | 378044 | 25788 | 23019 | 29293 | | 4.2.2 Others $ | 19395.00 | 1526.95 | 1438.76 | 1451.65 | 284623 | 21923 | 21070 | 22300 | | 5 Prepaid Payment Instruments | 49,392.26 | 3,546.66 | 3,848.74 | 4,586.00 | 197695 | 14494 | 21509 | 18780 | | 5.1 Wallets | 39987.01 | 2905.67 | 3180.18 | 3911.95 | 152065 | 12132 | 14626 | 16088 | | 5.2 Cards | 9,405.25 | 640.98 | 668.56 | 674.05 | 45630 | 2362 | 6883 | 2692 | | 5.2.1 PoS based $ | 437.31 | 35.36 | 32.74 | 44.69 | 11639 | 710 | 1303 | 552 | | 5.2.2 Others $ | 8967.94 | 605.62 | 635.82 | 629.36 | 33992 | 1652 | 5580 | 2140 | | 6 Paper-based Instruments | 6,703.70 | 496.68 | 366.69 | 511.38 | 5627189 | 401666 | 341794 | 477430 | | 6.1 CTS (NPCI Managed) | 6702.53 | 496.37 | 366.69 | 511.38 | 5625941 | 401441 | 341794 | 477430 | | 6.2 Others | 1.17 | 0.32 | 0.00 | 0.00 | 1249 | 225 | 0 | 0 | | Total - Retail Payments (2+3+4+5+6) | 4,42,229.48 | 29,472.90 | 42,998.73 | 47,327.04 | 41512514 | 3076769 | 3237632 | 3727036 | | Total Payments (1+2+3+4+5+6) | 4,43,821.40 | 29,592.58 | 43,122.08 | 47,481.18 | 147112363 | 11728746 | 11604231 | 13924026 | | Total Digital Payments (1+2+3+4+5) | 4,37,117.70 | 29,095.89 | 42,755.39 | 46,969.80 | 141485173 | 11327080 | 11262437 | 13446596 |
| PART II - Payment Modes and Channels | | | Volume (lakh) | Value (₹ crore) | | FY 2020-21 | 2020 June | 2021 | 2021 | FY 2020-21 | 2020 June | 2021 | 2021 | | May | June | May | June | | 1 | 2 | 4 | | 1 | 2 | 4 | | | A. Other Payment Channels | | | | | | | | | | 1 Mobile Payments (mobile app based) | 255451.57 | 16188.00 | 29734.31 | 32126.98 | 9179707 | 599381 | 898224 | 1033422 | | 1.1 Intra-bank $ | 25,220.34 | 1,423.94 | 2,528.93 | 2,829.58 | 18,71,236 | 1,18,965 | 1,74,307 | 1,96,264 | | 1.2 Inter-bank $ | 2,30,231.22 | 14,764.06 | 27,205.39 | 29,297.41 | 73,08,472 | 4,80,416 | 7,23,917 | 8,37,159 | | 2 Internet Payments (Netbanking / internet browser based) @ | 32493.63 | 2431.49 | 2336.06 | 2703.43 | 4,15,81,497 | 31,23,215 | 29,53,188 | 34,68,700 | | 2.1 Intra-bank @ | 6,886.15 | 533.60 | 492.39 | 545.84 | 2,06,01,554 | 15,29,247 | 12,90,828 | 15,01,183 | | 2.2 Inter-bank @ | 25,607.48 | 1,897.89 | 1,843.67 | 2,157.60 | 2,09,79,943 | 15,93,967 | 16,62,360 | 19,67,517 | | B. ATMs | | | | | | | | | | 3. Cash Withdrawal at ATMs $ | 60,905.79 | 4,716.58 | 4,169.98 | 4,739.69 | 2889825 | 229517 | 202854 | 228900 | | 3.1 Using Credit Cards $ | 51.41 | 3.23 | 3.65 | 4.31 | 2560 | 163 | 187 | 219 | | 3.2 Using Debit Cards $ | 60602.23 | 4698.45 | 4142.63 | 4735.38 | 2878025 | 228734 | 201978 | 228681 | | 3.3 Using Pre-paid Cards $ | 252.15 | 14.91 | 23.69 | 21.91 | 9239 | 620 | 690 | 734 | | 4. Cash Withdrawal at PoS $ | 394.60 | 29.42 | 20.81 | 7.03 | 1532 | 116 | 122 | 44 | | 4.1 Using Debit Cards $ | 353.33 | 27.82 | 18.08 | 7.03 | 1483 | 114 | 102 | 44 | | 4.2 Using Pre-paid Cards $ | 41.27 | 1.60 | 2.73 | 0.84 | 49 | 3 | 19 | 15 | | 5. Cash Withdrawal at Micro ATMs @ | 9460.43 | 990.75 | 824.36 | 856.89 | 225420 | 19749 | 24138 | 24187 | | 5.1 AePS @ | 9460.43 | 990.75 | 824.36 | 856.89 | 225420 | 19749 | 24138 | 24187 |
| PART III - Payment Infrastructures (lakh) | | | As on March 2021 | 2020 June | 2021 | 2021 | | May | June | | 1 | 2 | 3 | 4 | | Payment System Infrastructures | | | | | | 1 Number of Cards | 9,602.51 | 9,027.03 | 9,647.02 | 9,688.24 | | 1.1 Credit Cards | 620.49 | 572.89 | 623.93 | 628.15 | | 1.2 Debit Cards | 8,982.02 | 8,454.14 | 9,023.09 | 9,060.08 | | 2 Number of PPIs @ | 21,952.60 | 19,008.07 | 22,609.29 | 22,947.96 | | 2.1 Wallets @ | 20,052.10 | 17,553.64 | 20,542.99 | 20,864.68 | | 2.2 Cards @ | 1,900.51 | 1,454.43 | 2,066.30 | 2,083.28 | | 3 Number of ATMs | 2.39 | 2.34 | 2.40 | 2.40 | | 3.1 Bank owned ATMs $ | 2.14 | 2.10 | 2.15 | 2.14 | | 3.2 White Label ATMs $ | 0.25 | 0.24 | 0.26 | 0.26 | | 4 Number of Micro ATMs @ | 4.04 | 2.96 | 4.25 | 4.54 | | 5 Number of PoS Terminals | 47.20 | 43.26 | 45.20 | 45.93 | | 6 Bharat QR @ | 35.70 | 21.51 | 48.63 | 49.33 | | 7 UPI QR * | 925.22 | - | 981.82 | 1018.06 | @: 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. | |