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Payment System Indicators

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Payment System Indicators - July 2022
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2021-22 2021 July 2022 2022 FY 2021-22 2021 July 2022 2022
June July June July
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 33.01 2.68 3.42 3.39 206873112 16798812 22912930 21126044
1.1 Govt. Securities Clearing 12.22 0.98 1.32 1.33 142072939 11096031 15445511 14218681
1.1.1 Outright 6.22 0.50 0.68 0.71 8793301 744621 844409 851204
1.1.2 Repo 3.08 0.25 0.34 0.34 51015712 3802644 5627915 5764070
1.1.3 Tri-party Repo 2.92 0.24 0.30 0.28 82263926 6548766 8973188 7603407
1.2 Forex Clearing 19.91 1.64 1.97 1.93 59775826 5290626 6778125 6272728
1.3 Rupee Derivatives @ 0.88 0.07 0.13 0.13 5024347 412155 689294 634635
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 2078.39 167.65 194.42 189.26 128657516 10741314 12356054 11551440
1.1 Customer Transactions 2063.73 166.43 193.18 188.06 113319292 9288984 10840909 9927091
1.2 Interbank Transactions 14.66 1.22 1.24 1.20 15338225 1452331 1515145 1624349
II Retail                
2 Credit Transfers - Retail 577934.74 41372.72 69921.27 74673.64 42728006 3215234 4298158 4267239
2.1 AePS (Fund Transfers) @ 9.76 1.03 0.62 0.68 575 61 37 40
2.2 APBS $ 12573.33 1047.34 1222.24 1259.99 133345 7981 23010 12511
2.3 IMPS 46625.25 3524.64 4557.01 4608.30 4171037 311310 443776 444541
2.4 NACH Cr $ 18757.82 1174.68 1489.99 1892.88 1281685 85697 100909 119677
2.5 NEFT 40407.29 3170.00 4022.33 4018.39 28725463 2204303 2716013 2627354
2.6 UPI @ 459561.30 32455.02 58629.08 62893.40 8415900 605883 1014413 1063117
2.6.1 of which USSD @ 11.99 1.08 0.99 1.62 177 16 12 18
3 Debit Transfers and Direct Debits 12189.49 986.32 1225.96 1217.97 1034444 86503 100325 100581
3.1 BHIM Aadhaar Pay @ 227.73 17.49 39.82 21.26 6113 414 1049 621
3.2 NACH Dr $ 10754.74 877.08 1048.14 1067.05 1026641 85980 99060 99754
3.3 NETC (linked to bank account) @ 1207.02 91.75 138.00 129.66 1689 109 216 207
4 Card Payments 61,782.93 5,225.86 5,376.24 5,481.80 1701851 135972 169669 180371
4.1 Credit Cards 22,398.82 1,820.49 2,279.46 2,348.34 971638 74885 108752 115856
4.1.1 PoS based $ 11124.59 900.27 1210.51 1220.69 380643 30498 40466 41767
4.1.2 Others $ 11274.23 920.21 1068.95 1127.64 590994 44387 68286 74089
4.2 Debit Cards 39,384.11 3,405.37 3,096.79 3,133.47 730213 61087 60917 64515
4.2.1 PoS based $ 22967.10 1901.64 2012.90 2053.40 451550 36764 39877 41211
4.2.2 Others $ 16417.00 1503.73 1083.89 1080.07 278663 24324 21040 23304
5 Prepaid Payment Instruments 65,782.75 4,958.99 6,258.03 6,195.34 279416 20587 24738 25309
5.1 Wallets 53013.86 4068.85 4979.19 4855.87 220183 16624 18488 18775
5.2 Cards 12,768.89 890.14 1,278.83 1,339.48 59233 3963 6250 6534
5.2.1 PoS based $ 1116.16 73.49 87.22 85.43 19546 893 1301 1285
5.2.2 Others  $ 11652.73 816.64 1191.62 1254.05 39687 3070 4949 5250
6 Paper-based Instruments 6,999.12 596.11 593.72 588.67 6650333 553256 599196 579727
6.1 CTS (NPCI Managed) 6999.12 596.11 593.72 588.67 6650333 553256 599196 579727
6.2 Others 0.00 0.00 0.00 0.00 0 0 0 0
Total Retail Payments (2+3+4+5+6) 7,24,689.03 53,139.99 83,375.21 88,157.42 52394049 4011553 5192086 5153226
Total Payments (1+2+3+4+5+6) 7,26,767.42 53,307.64 83,569.63 88,346.69 181051565 14752867 17548140 16704666
Total Digital Payments (1+2+3+4+5) 7,19,768.30 52,711.53 82,975.91 87,758.02 174401233 14199611 16948944 16124940

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2021-22 2021 July 2022 2022 FY 2021-22 2021 July 2022 2022
June July June July
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 5,07,531.37 36,837.05 62,581.28 68,450.73 1,49,73,395 11,37,233 17,15,115 17,86,611
1.1 Intra-bank $ 40,805.69 3,133.94 4,309.58 4,902.42 27,26,360 2,10,685 3,05,131 3,23,926
1.2 Inter-bank $ 4,66,725.68 33,703.12 58,271.69 63,548.30 1,22,47,035 9,26,547 14,09,985 14,62,684
2 Internet Payments (Netbanking / internet browser based) @ 40,726.59 3,474.33 3,551.14 3,734.46 8,31,59,996 68,12,775 82,05,044 73,25,646
2.1 Intra-bank @ 9,583.32 828.56 866.17 930.32 5,21,42,582 42,94,238 51,34,748 44,38,066
2.2 Inter-bank @ 31,143.27 2,645.77 2,684.97 2,804.13 3,10,17,413 25,18,538 30,70,297 28,87,580
B. ATMs                
3. Cash Withdrawal at ATMs $ 65,287.63 5,378.82 5,734.36 5,777.88 31,11,948 2,54,886 2,71,368 2,72,103
3.1 Using Credit Cards $ 62.37 4.74 6.79 6.95 3,130 235 336 342
3.2 Using Debit Cards $ 64898.80 5348.70 5694.37 5735.52 30,97,741 2,53,780 2,69,936 2,70,609
3.3 Using Pre-paid Cards $ 326.45 25.38 33.20 35.42 11,076 871 1,096 1,152
4. Cash Withdrawal at PoS $ 91.17 7.45 2.30 2.26 728 62 22 22
4.1 Using Debit Cards $ 79.42 6.15 2.27 2.25 557 43 22 22
4.2 Using Pre-paid Cards $ 11.75 1.30 0.03 0.01 171 19 0 0
5. Cash Withdrawal at Micro ATMs @ 11126.04 869.89 1167.16 1082.22 2,99,776 22,973 31,318 29,517
5.1 AePS @ 11126.04 869.89 1167.16 1082.22 2,99,776 22,973 31,318 29,517

PART III - Payment Infrastructures (lakh)
  As on March 2022 2021 July 2022 2022
June July
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 9912.93 9690.43 10004.74 10083.90
1.1 Credit Cards 736.27 634.14 787.23 802.56
1.2 Debit Cards 9,176.66 9,056.29 9217.52 9281.34
2 Number of PPIs @ 15,553.69 13,176.84 15,589.89 15,604.53
2.1 Wallets @ 12,787.93 11,032.89 12,932.46 12,922.65
2.2 Cards @ 2,765.76 2,143.95 2,657.43 2,681.89
3 Number of ATMs and CRMs 2.52 2.40 2.53 2.54
3.1 Bank owned ATMs$ and CRMs# 2.20 2.13 2.20 2.20
3.2 White Label ATMs $ 0.31 0.27 0.33 0.34
4 Number of Micro ATMs @ 7.81 4.75 9.40 9.64
5 Number of PoS Terminals 60.70 46.08 65.91 68.19
6 Bharat QR @ 49.72 42.51 42.80 45.21
7 UPI QR * 1727.34 1078.80 1951.71 2013.02
@: New inclusion w.e.f. November 2019
#: Data reported by Co-operative Banks, LABs and RRBs included with effect from Dec 2021.
$ : 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.

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