Payment System Indicators

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Payment System Indicators - September 2021
PART I - Payment System Indicators - Payment & Settlement System Statistics
Volume (lakh) Value (₹ crore)
FY 2020-21 2020 September 2021 2021 FY 2020-21 2020 September 2021 2021
August September August September
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 27.97 2.70 2.51 3.21 161943141 13397758 15362952 16683094
1.1 Govt. Securities Clearing 11.55 1.08 0.96 1.37 110634315 9021412 10388877 11404584
1.1.1 Outright 6.28 0.61 0.50 0.90 10032187 881023 730532 1127485
1.1.2 Repo 2.84 0.29 0.24 0.25 43751173 4115039 3479766 3885956
1.1.3 Tri-party Repo 2.43 0.19 0.22 0.22 56850956 4025350 6178579 6391143
1.2 Forex Clearing 16.04 1.60 1.48 1.77 48903961 4238877 4599545 4826170
1.3 Rupee Derivatives @ 0.38 0.03 0.06 0.07 2404865 137470 374530 452340
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 1591.92 130.11 166.52 174.57 105599849 9489066 10164296 11069631
1.1 Customer Transactions 1573.47 128.49 165.34 173.33 91008367 7993814 8940380 9838858
1.2 Interbank Transactions 18.45 1.61 1.18 1.24 14591482 1495252 1223916 1230773
II Retail                
2 Credit Transfers - Retail 317851.82 25506.62 45370.66 45720.72 33522150 2817678 3277624 3495969
2.1 AePS (Fund Transfers) @ 11.32 0.96 1.05 0.98 623 51 61 57
2.2 APBS $ 14372.99 1059.85 722.32 781.62 112747 6243 10305 6199
2.3 IMPS 32783.47 2796.08 3797.12 3848.84 2941500 248662 320203 324096
2.4 NACH Cr $ 16449.51 1179.79 2075.99 1171.57 1232714 68176 98119 91281
2.5 NEFT 30927.89 2468.27 3218.73 3359.54 25130910 2165515 2209818 2419688
2.6 UPI @ 223306.64 18001.67 35555.45 36558.17 4103658 329032 639117 654648
2.6.1 of which USSD @ 10.45 0.89 1.14 1.14 172 14 17 16
3 Debit Transfers and Direct Debits 10440.40 926.42 1008.32 987.44 872399 78240 85436 84660
3.1 BHIM Aadhaar Pay @ 160.84 15.28 21.99 19.39 2580 205 462 440
3.2 NACH Dr $ 9629.61 857.43 876.81 878.31 868906 77958 84818 84068
3.3 NETC (linked to bank account) @ 649.96 53.71 109.52 89.74 913 77 155 152
4 Card Payments 57,786.60 4,994.52 5,493.00 5,337.50 12,91,799 1,06,500 1,42,600 1,42,817
4.1 Credit Cards 17,641.06 1,486.71 1,904.71 1,847.21 6,30,414 51,134 77,733 80,228
4.1.1 PoS based $ 8688.81 713.37 984.62 961.53 280769 21986 32968.89 31742.90
4.1.2 Others $ 8952.25 773.33 920.08 885.68 349645 29148 44764.13 48484.85
4.2 Debit Cards 40,145.54 3,507.81 3,588.29 3,490.29 661385 55366 64867 62589
4.2.1 PoS based $ 20773.50 1758.83 2119.63 2053.00 377630 30422 41177 38591
4.2.2 Others $ 19372.04 1748.98 1468.66 1437.29 283755 24944 23690 23998
5 Prepaid Payment Instruments 49,742.55 4,653.54 5,259.99 4,934.60 197696 16683 22670 30273
5.1 Wallets 39987.01 3616.58 4227.08 3884.65 152065 13258 17745 25645
5.2 Cards 9,755.54 1,036.96 1,032.91 1,049.96 45631 3425 4925 4628
5.2.1 PoS based $ 787.59 60.08 132.27 133.71 11639 910 1110 995
5.2.2 Others $ 8967.95 976.87 900.63 916.25 33992 2515 3815 3634
6 Paper-based Instruments 6,703.70 612.71 588.62 624.10 5627189 485243 533903 566468
6.1 CTS (NPCI Managed) 6702.53 612.63 588.62 624.10 5625941 485114 533903 566468
6.2 Others 1.17 0.08 0.00 0.00 1249 128 0 0
Total - Retail Payments (2+3+4+5+6) 4,42,525.07 36,693.80 57,720.58 57,604.36 41511233 3504344 4062232 4320187
Total Payments (1+2+3+4+5+6) 4,44,116.99 36,823.90 57,887.11 57,778.93 147111082 12993410 14226528 15389818
Total Digital Payments (1+2+3+4+5) 4,37,413.29 36,211.20 57,298.49 57,154.83 141483892 12508167 13692625 14823351

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2020-21 2020 September 2021 2021 FY 2020-21 2020 September 2021 2021
August September August September
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 2,58,033.70 20,994.76 39029.40 46858.26 92,01,212 7,05,945 11,36,503 12,33,089
1.1 Intra-bank $ 25,220.71 1,907.83 3,244.29 5,175.00 18,71,390 1,45,416 2,01,774 2,74,653
1.2 Inter-bank $ 2,32,812.99 19,086.93 35,785.12 41,683.26 73,29,822 5,60,529 9,34,729 9,58,435
2 Internet Payments (Netbanking / internet browser based) @ 32,493.63 2,822.04 3,134.32 3,187.18 4,15,81,497 34,36,124 36,88,425 40,03,452
2.1 Intra-bank @ 6,886.15 594.83 603.29 598.49 2,06,01,554 16,78,942 16,36,328 17,95,714
2.2 Inter-bank @ 25,607.48 2,227.20 2,531.03 2,588.68 2,09,79,943 17,57,182 20,52,097 22,07,737
B. ATMs                
3. Cash Withdrawal at ATMs $ 60,905.81 5,069.39 5,688.71 5,545.36 28,89,826 2,41,223 2,62,881 2,57,964
3.1 Using Credit Cards $ 51.41 4.36 5.02 4.98 2560 217 248 249
3.2 Using Debit Cards $ 60602.23 5042.50 5656.34 5512.90 2878025 240205 261683 256767
3.3 Using Pre-paid Cards $ 252.17 22.53 27.35 27.48 9240 801 949 948
4. Cash Withdrawal at PoS $ 394.77 33.62 6.62 5.37 1533 123 70 46
4.1 Using Debit Cards $ 353.50 29.39 5.50 5.08 1484 118 42 40
4.2 Using Pre-paid Cards $ 41.27 4.23 1.12 0.29 49 5 28 6
5. Cash Withdrawal at Micro ATMs @ 9460.43 717.65 1061.82 888.88 225420 17096 26830 22793
5.1 AePS @ 9460.43 717.65 1061.82 888.88 225420 17096 26830 22793

PART III - Payment Infrastructures (lakh)
  As on March 2021 2020 September 2021 2021
August September
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 9,602.51 9,241.29 9,777.46 9,853.28
1.1 Credit Cards 620.49 586.94 639.34 650.25
1.2 Debit Cards 8,982.02 8,654.35 9138.11 9203.03
2 Number of PPIs @ 21,952.60 19,960.47 24,099.33 22,461.77
2.1 Wallets @ 20,052.10 18,287.99 21,927.39 20,203.10
2.2 Cards @ 1,900.51 1,672.48 2,171.94 2,258.68
3 Number of ATMs 2.39 2.34 2.41 2.41
3.1 Bank owned ATMs $ 2.14 2.10 2.14 2.13
3.2 White Label ATMs $ 0.25 0.24 0.27 0.28
4 Number of Micro ATMs @ 4.04 3.28 4.94 5.13
5 Number of PoS Terminals 47.20 44.23 48.16 49.77
6 Bharat QR @ 35.70 22.99 52.47 52.85
7 UPI QR * 925.22 604.07 1133.11 1196.08
@: 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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