| PART I - Payment System Indicators - Payment & Settlement System Statistics | | | Volume (lakh) | Value (₹ crore) | | FY 2021-22 | 2021 December | 2022 | 2022 | FY 2021-22 | 2021 December | 2022 | 2022 | | November | December | November | December | | 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | | A. Settlement Systems | | | | | | | | | | Financial Market Infrastructures (FMIs) | | | | | | | | | | 1 CCIL Operated Systems | 33.01 | 3.13 | 3.67 | 3.42 | 206873112 | 20703988 | 22488758 | 22326077 | | 1.1 Govt. Securities Clearing | 12.22 | 1.10 | 1.26 | 1.19 | 142072939 | 14801512 | 15457897 | 15144169 | | 1.1.1 Outright | 6.22 | 0.48 | 0.66 | 0.60 | 8793301 | 651103 | 759097 | 711065 | | 1.1.2 Repo | 3.08 | 0.30 | 0.36 | 0.36 | 51015712 | 5075401 | 6039868 | 6125370 | | 1.1.3 Tri-party Repo | 2.92 | 0.31 | 0.23 | 0.23 | 82263926 | 9075009 | 8658933 | 8307734 | | 1.2 Forex Clearing | 19.91 | 1.96 | 2.33 | 2.16 | 59775826 | 5516604 | 6577286 | 6670289 | | 1.3 Rupee Derivatives @ | 0.88 | 0.07 | 0.08 | 0.07 | 5024347 | 385873 | 453575 | 511620 | | B. Payment Systems | | | | | | | | | | I Financial Market Infrastructures (FMIs) | | | | | | | | | | 1 Credit Transfers - RTGS | 2078.39 | 192.78 | 206.46 | 215.03 | 128657516 | 12966991 | 12291749 | 13736057 | | 1.1 Customer Transactions | 2063.73 | 191.50 | 205.30 | 213.80 | 113319292 | 11418233 | 10691727 | 12180091 | | 1.2 Interbank Transactions | 14.66 | 1.29 | 1.16 | 1.23 | 15338225 | 1548758 | 1600022 | 1555966 | | II Retail | | | | | | | | | | 2 Credit Transfers - Retail | 577934.74 | 56422.79 | 84557.58 | 90675.95 | 42728006 | 4076395 | 4527540 | 4928331 | | 2.1 AePS (Fund Transfers) @ | 9.76 | 0.65 | 0.51 | 0.32 | 575 | 36 | 29 | 21 | | 2.2 APBS $ | 12573.33 | 1082.20 | 1065.62 | 1157.66 | 133345 | 14987 | 9460 | 20670 | | 2.3 IMPS | 46625.25 | 4429.86 | 4634.80 | 4858.37 | 4171037 | 396411 | 454679 | 486552 | | 2.4 NACH Cr $ | 18757.82 | 1483.71 | 1373.88 | 1515.84 | 1281685 | 113132 | 141901 | 157435 | | 2.5 NEFT | 40407.29 | 3763.38 | 4388.30 | 4854.81 | 28725463 | 2724980 | 2730878 | 2981681 | | 2.6 UPI @ | 459561.30 | 45662.99 | 73094.47 | 78288.95 | 8415900 | 826848 | 1190593 | 1281971 | | 2.6.1 of which USSD @ | 11.99 | 1.12 | 1.79 | 1.92 | 177 | 16 | 19 | 21 | | 3 Debit Transfers and Direct Debits | 12189.49 | 1064.54 | 1316.60 | 1357.72 | 1034444 | 91163 | 110181 | 116425 | | 3.1 BHIM Aadhaar Pay @ | 227.73 | 19.59 | 14.52 | 12.71 | 6113 | 611 | 475 | 446 | | 3.2 NACH Dr $ | 10754.74 | 937.92 | 1164.17 | 1198.55 | 1026641 | 90426 | 109479 | 115737 | | 3.3 NETC (linked to bank account) @ | 1207.02 | 107.03 | 137.91 | 146.46 | 1689 | 126 | 227 | 242 | | 4 Card Payments | 61,782.93 | 5,611.80 | 4,955.95 | 5,223.54 | 17,01,851 | 1,60,398 | 1,70,386 | 1,85,149 | | 4.1 Credit Cards | 22,398.82 | 2,112.59 | 2,347.73 | 2,556.47 | 971638 | 93907 | 114794 | 126524 | | 4.1.1 PoS based $ | 11124.59 | 1093.48 | 1319.99 | 1449.35 | 380643 | 36713 | 46296 | 51772 | | 4.1.2 Others $ | 11274.23 | 1019.10 | 1027.75 | 1107.12 | 590994 | 57195 | 68498 | 74752 | | 4.2 Debit Cards | 39,384.11 | 3,499.21 | 2,608.22 | 2,667.08 | 730213 | 66491 | 55592 | 58625 | | 4.2.1 PoS based $ | 22967.10 | 2202.51 | 1779.41 | 1859.31 | 451550 | 43062 | 37237 | 39573 | | 4.2.2 Others $ | 16417.00 | 1296.71 | 828.81 | 807.77 | 278663 | 23429 | 18355 | 19052 | | 5 Prepaid Payment Instruments | 65,782.75 | 7,008.04 | 6,075.20 | 6,354.65 | 279416 | 25878 | 22808 | 22648 | | 5.1 Wallets | 53013.86 | 5659.18 | 4730.07 | 5012.71 | 220183 | 21195 | 17342 | 18400 | | 5.2 Cards | 12,768.89 | 1,348.86 | 1,345.14 | 1,341.94 | 59233 | 4683 | 5466 | 4248 | | 5.2.1 PoS based $ | 1116.16 | 99.63 | 77.72 | 61.58 | 19546 | 1893 | 1039 | 722 | | 5.2.2 Others $ | 11652.73 | 1249.23 | 1267.42 | 1280.37 | 39687 | 2790 | 4428 | 3527 | | 6 Paper-based Instruments | 6,999.12 | 660.33 | 586.94 | 608.13 | 6650333 | 640955 | 581120 | 621387 | | 6.1 CTS (NPCI Managed) | 6999.12 | 660.33 | 586.94 | 608.13 | 6650333 | 640955 | 581120 | 621387 | | 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 | 70,767.50 | 97,492.27 | 1,04,220.00 | 52394049 | 4994790 | 5412034 | 5873940 | | Total Payments (1+2+3+4+5+6) | 7,26,767.42 | 70,960.28 | 97,698.73 | 1,04,435.03 | 181051565 | 17961781 | 17703784 | 19609997 | | Total Digital Payments (1+2+3+4+5) | 7,19,768.30 | 70,299.95 | 97,111.79 | 1,03,826.90 | 174401233 | 17320825 | 17122664 | 18988610 |
| PART II - Payment Modes and Channels (Domestic) | | | Volume (lakh) | Value (₹ crore) | | FY 2021-22 | 2021 December | 2022 | 2022 | FY 2021-22 | 2021 December | 2022 | 2022 | | November | December | November | December | | 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | | A. Other Payment Channels | | | | | | | | | | 1 Mobile Payments (mobile app based) | 4,79,607.03 | 45,285.96 | 70,435.30 | 74,650.27 | 1,45,41,929 | 13,59,381 | 18,74,434 | 19,91,761 | | 1.1 Intra-bank $ | 40,805.67 | 3,927.19 | 5,342.59 | 5,560.78 | 27,26,363 | 2,54,443 | 3,55,045 | 3,75,775 | | 1.2 Inter-bank $ | 4,38,801.35 | 41,358.77 | 65,092.71 | 69,089.49 | 1,18,15,565 | 11,04,938 | 15,19,389 | 16,15,986 | | 2 Internet Payments (Netbanking / internet browser based) @ | 40,726.59 | 3,593.75 | 3,487.32 | 3,661.95 | 8,31,59,996 | 86,02,920 | 78,08,859 | 85,44,692 | | 2.1 Intra-bank @ | 9,583.32 | 848.88 | 870.33 | 949.91 | 5,21,42,582 | 56,91,255 | 46,06,598 | 49,26,079 | | 2.2 Inter-bank @ | 31,143.27 | 2,744.87 | 2,616.98 | 2,712.04 | 3,10,17,413 | 29,11,666 | 32,02,261 | 36,18,612 | | B. ATMs | | | | | | | | | | 3. Cash Withdrawal at ATMs $ | 65,240.43 | 5,923.80 | 5,608.36 | 5,891.49 | 31,11,946 | 2,80,371 | 2,65,635 | 2,80,461 | | 3.1 Using Credit Cards $ | 62.37 | 5.90 | 7.59 | 8.13 | 3,130 | 295 | 367 | 392 | | 3.2 Using Debit Cards $ | 64851.61 | 5889.14 | 5568.41 | 5850.03 | 30,97,739 | 2,79,100 | 2,64,180 | 2,78,923 | | 3.3 Using Pre-paid Cards $ | 326.45 | 28.76 | 32.36 | 33.33 | 11,076 | 977 | 1,089 | 1,146 | | 4. Cash Withdrawal at PoS $ | 91.17 | 3.78 | 2.30 | 2.37 | 728 | 35 | 23 | 23 | | 4.1 Using Debit Cards $ | 79.42 | 3.71 | 2.28 | 2.36 | 557 | 35 | 23 | 23 | | 4.2 Using Pre-paid Cards $ | 11.75 | 0.07 | 0.02 | 0.02 | 171 | 0 | 0 | 0 | | 5. Cash Withdrawal at Micro ATMs @ | 11126.04 | 940.20 | 944.92 | 934.53 | 2,99,776 | 25,208 | 25,541 | 25,484 | | 5.1 AePS @ | 11126.04 | 940.20 | 944.92 | 934.53 | 2,99,776 | 25,208 | 25,541 | 25,484 |
| PART III - Payment Infrastructures (lakh) | | | As on March 2022 | 2021 December | 2022 | 2022 | | November | December | | 1 | 2 | 3 | 4 | | Payment System Infrastructures | | | | | | 1 Number of Cards | 9912.93 | 10066.90 | 10283.34 | 10206.53 | | 1.1 Credit Cards | 736.27 | 689.49 | 806.06 | 811.87 | | 1.2 Debit Cards | 9,176.66 | 9,377.42 | 9477.28 | 9394.66 | | 2 Number of PPIs @ | 15,553.69 | 15,111.90 | 16,098.32 | 16,234.69 | | 2.1 Wallets @ | 12,787.93 | 12,511.00 | 13,269.83 | 13,346.64 | | 2.2 Cards @ | 2,765.76 | 2,600.90 | 2,828.48 | 2,888.05 | | 3 Number of ATMs and CRMs | 2.52 | 2.45 | 2.55 | 2.57 | | 3.1 Bank owned ATMs$ and CRMs# | 2.20 | 2.15 | 2.20 | 2.20 | | 3.2 White Label ATMs $ | 0.31 | 0.30 | 0.36 | 0.37 | | 4 Number of Micro ATMs @ | 9.16 | 7.27 | 13.34 | 14.19 | | 5 Number of PoS Terminals | 60.70 | 54.98 | 73.52 | 75.50 | | 6 Bharat QR @ | 49.72 | 46.47 | 48.25 | 49.59 | | 7 UPI QR * | 1,727.34 | 1,440.10 | 2,302.87 | 2,379.44 |
| PART IV - Payment Modes and Channels (International) | | | Details of International transactions done using cards (credit, debit and PPI) issued in India | | | Volume (lakh) | Value (₹ crore) | | 2022 | 2022 | 2022 | 2022 | | November | December | November | December | | 1. Card Payments | 83.82 | 84.08 | 6743 | 6819 | | 1.1 Credit Cards | 47.97 | 47.15 | 4748 | 4735 | | 1.1.1 PoS based | 18 | 16 | 1406 | 1356 | | 1.1.2 Online | 30 | 31 | 3342 | 3379 | | 1.2 Debit Cards | 35.85 | 36.93 | 1995 | 2084 | | 1.2.1 PoS based | 16 | 16 | 649 | 657 | | 1.2.2 Online | 20 | 21 | 1346 | 1427 | | 2. Prepaid Payment Instruments | 29.68 | 25.32 | 1072 | 976 | | 2.1 PoS based | 26 | 22 | 861 | 780 | | 2.2 Online | 4 | 3 | 211 | 197 | | 3. Cash Withdrawal at ATMs | 6.84 | 6.88 | 1480 | 1491 | | 3.1 Using Credit Cards | 0 | 0 | 39 | 38 | | 3.2 Using Debit Cards | 5 | 5 | 799 | 826 | | 3.3 Using PPIs | 2 | 2 | 642 | 628 | | Total International Payments | 120.34 | 116.28 | 9295 | 9286 |
| PART V - Domestic Payment Frauds | | | Volume (Lakh) | Value (₹ crore) | One in every X payment transaction fraudulent | FTS (Fraud / Payment Value * 10000) | | September 2022 | 1.71 | 249.42 | 58,177 | 0.127 bps | | October 2022 | 1.79 | 219.73 | 59,533 | 0.127 bps | | November 2022 | 2.06 | 257.04 | 50,621 | 0.143 bps | | December 2022 | 1.54 | 204.26 | 72,427 | 0.103 bps | 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.
5. Data on domestic payment fraud statistics as reported by Scheduled Commercial Banks (excluding RRBs), Non-bank PPI issuers and Non-bank Credit Card issuers in CPFIR (Central Payments Fraud Information Registry) .
6. Data does not include attempts to perpetrate frauds. | |