| PART I - Payment System Indicators - Payment & Settlement System Statistics | | | Volume (lakh) | Value (₹ crore) | | FY 2020-21 | 2020 July | 2021 | 2021 | FY 2020-21 | 2020 July | 2021 | 2021 | | June | July | June | July | | 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | | 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 | 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 | 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 | 45 | 64 | 61 | | 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 | 15 | 16 | 16 | | 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 | 56 | 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 | 0.00 | 1249 | 272 | 0 | 0 | | 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 | 2021 | FY 2020-21 | 2020 July | 2021 | 2021 | | June | July | June | July | | 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | | 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 | 59 | 62 | | 4.1 Using Debit Cards $ | 353.50 | 30.67 | 7.03 | 6.15 | 1484 | 132 | 44 | 43 | | 4.2 Using Pre-paid Cards $ | 41.27 | 2.90 | 0.84 | 1.30 | 49 | 3 | 15 | 19 | | 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 | 2021 | | June | July | | 1 | 2 | 3 | 4 | | 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 | 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. | |