Payment System Indicators

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Payment System Indicators - July 2021

PART I - Payment System Indicators - Payment & Settlement System Statistics

Volume (lakh)

Value (₹ crore)

FY 2020-21

2020 July

2021

FY 2020-21

2020 July

2021

June

July

June

July

A. Settlement Systems

Financial Market Infrastructures (FMIs)

1 CCIL Operated Systems

27.97

2.52

2.90

2.68

161943141

14102229

17144527

16798812

1.1 Govt. Securities Clearing

11.55

1.22

1.01

0.98

110634315

9407660

11317988

11096031

1.1.1 Outright

6.28

0.73

0.51

0.50

10032187

1146554

774292

744621

1.1.2 Repo

2.84

0.29

0.27

0.25

43751173

4098668

4653921

3802644

1.1.3 Tri-party Repo

2.43

0.20

0.23

0.24

56850956

4162438

5889775

6548766

1.2 Forex Clearing

16.04

1.28

1.82

1.64

48903961

4544294

5408999

5290626

1.3 Rupee Derivatives @

0.38

0.02

0.07

2404865

150275

417541

412155

B. Payment Systems

I Financial Market Infrastructures (FMIs)

1 Credit Transfers - RTGS

1591.92

124.76

154.14

167.65

105599849

8335279

10196989

10741314

1.1 Customer Transactions

1573.47

123.22

152.92

166.43

91008367

7137945

8887546

9288984

1.2 Interbank Transactions

18.45

1.55

1.22

14591482

1197334

1309444

1452331

II Retail

2 Credit Transfers - Retail

317851.82

21832.34

36684.40

41367.43

33522150

2587356

3029728

3214817

2.1 AePS (Fund Transfers) @

11.32

0.86

1.06

1.03

623

2.2 APBS $

14372.99

1182.38

1148.34

1045.01

112747

8976

8143

7952

2.3 IMPS

32783.47

2220.99

3038.45

3524.64

2941500

225775

284111

311310

2.4 NACH Cr $

16449.51

1053.54

1498.12

1171.72

1232714

98909

92266

85307

2.5 NEFT

30927.89

2401.03

2923.27

3170.00

25130910

1963113

2097771

2204303

2.6 UPI @

223306.64

14973.54

28075.16

32455.02

4103658

290538

547373

605883

2.6.1 of which USSD @

10.45

0.91

1.03

1.08

172

3 Debit Transfers and Direct Debits

10440.40

855.71

981.70

986.32

872399

68356

86759

86503

3.1 BHIM Aadhaar Pay @

160.84

15.96

17.66

17.49

2580

216

417

414

3.2 NACH Dr $

9629.61

801.08

878.73

877.08

868906

68083

86215

85980

3.3 NETC (linked to bank account) @

649.96

38.67

85.31

91.75

913

128

109

4 Card Payments

57,786.60

4,481.59

4,493.75

5,225.86

12,91,799

95,883

1,13,790

1,35,972

4.1 Credit Cards

17,641.06

1,319.66

1,547.01

1,820.49

6,30,414

45,558

62,746

74,885

4.1.1 PoS based $

8688.81

601.63

690.40

900.27

280769

20107

23977

30498.08

4.1.2 Others $

8952.25

718.03

856.61

920.21

349645

25451

38769

44386.68

4.2 Debit Cards

40,145.54

3,161.93

2,946.74

3,405.37

661385

50325

51044

61087

4.2.1 PoS based $

20773.50

1461.94

1505.09

1901.64

377630

25821

28743

36764

4.2.2 Others $

19372.04

1699.99

1441.65

1503.73

283755

24504

22300

24324

5 Prepaid Payment Instruments

49,392.29

3,987.42

4,586.00

4,959.07

197696

15521

18780

20806

5.1 Wallets

39987.01

3205.59

3911.95

4079.19

152065

12892

16088

17053

5.2 Cards

9,405.28

781.83

674.05

879.89

45631

2629

2692

3753

5.2.1 PoS based $

437.33

24.49

44.69

63.24

11639

628

552

683

5.2.2 Others $

8967.95

757.34

629.36

816.64

33992

2002

2140

3070

6 Paper-based Instruments

6,703.70

532.38

511.38

596.11

5627189

434072

477430

553256

6.1 CTS (NPCI Managed)

6702.53

532.24

511.38

596.11

5625941

433799

477430

553256

6.2 Others

1.17

0.14

0.00

1249

272

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

4,42,174.81

31,689.45

47,257.22

53,134.79

41511233

3201188

3726486

4011354

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

4,43,766.73

31,814.21

47,411.36

53,302.44

147111082

11536467

13923476

14752668

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

4,37,063.03

31,281.83

46,899.98

52,706.33

141483892

11102395

13446046

14199411

PART II - Payment Modes and Channels

Volume (lakh)

Value (₹ crore)

FY 2020-21

2020 July

2021

FY 2020-21

2020 July

2021

June

July

June

July

A. Other Payment Channels

1 Mobile Payments (mobile app based)

255451.57

17281.26

32127.11

37458.94

9179707

637489

1033735

1149340

1.1 Intra-bank $

25,220.34

1,574.10

2,829.58

3,134.21

18,71,236

1,30,568

1,96,264

2,10,636

1.2 Inter-bank $

2,30,231.22

15,707.16

29,297.53

34,324.73

73,08,472

5,06,921

8,37,471

9,38,704

2 Internet Payments (Netbanking / internet browser based) @

32493.63

2673.76

2703.44

3048.81

4,15,81,497

32,51,167

34,68,711

37,10,473

2.1 Intra-bank @

6,886.15

582.31

545.84

606.23

2,06,01,554

15,95,612

15,01,184

16,25,684

2.2 Inter-bank @

25,607.48

2,091.45

2,157.60

2,442.58

2,09,79,943

16,55,556

19,67,527

20,84,788

B. ATMs

3. Cash Withdrawal at ATMs $

60,905.81

4,687.45

4,761.61

5,378.72

28,89,826

2,32,074

2,29,633

2,54,880

3.1 Using Credit Cards $

51.41

3.29

4.31

4.74

2560

167

219

235

3.2 Using Debit Cards $

60602.23

4664.96

4735.38

5348.70

2878025

231210

228681

253780

3.3 Using Pre-paid Cards $

252.17

19.20

21.91

25.28

9240

697

734

865

4. Cash Withdrawal at PoS $

394.77

33.57

7.87

7.45

1533

136

4.1 Using Debit Cards $

353.50

30.67

7.03

6.15

1484

132

4.2 Using Pre-paid Cards $

41.27

2.90

0.84

1.30

5. Cash Withdrawal at Micro ATMs @

9460.43

743.41

856.89

869.89

225420

17469

24187

22973

5.1 AePS @

9460.43

743.41

856.89

869.89

225420

17469

24187

22973

PART III - Payment Infrastructures (lakh)

As on March 2021

2020 July

2021

June

July

Payment System Infrastructures

1 Number of Cards

9,602.51

9,099.87

9,688.24

9,694.51

1.1 Credit Cards

620.49

576.32

628.15

634.14

1.2 Debit Cards

8,982.02

8,523.55

9,060.08

9060.36

2 Number of PPIs @

21,952.60

19,272.63

22,947.96

23,388.31

2.1 Wallets @

20,052.10

17,749.31

20,864.68

21,244.36

2.2 Cards @

1,900.51

1,523.32

2,083.28

2,143.95

3 Number of ATMs

2.39

2.34

2.40

3.1 Bank owned ATMs $

2.14

2.10

2.14

2.13

3.2 White Label ATMs $

0.25

0.24

0.26

0.27

4 Number of Micro ATMs @

4.04

3.06

4.54

4.75

5 Number of PoS Terminals

47.20

43.57

45.93

46.08

6 Bharat QR @

35.70

22.37

49.33

51.23

7 UPI QR *

925.22

1018.26

1070.08

@: 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.

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