Skip to main content
Click here to Visit the RBI’s new website

BBBPLogo

Payment System Indicators

download file (361 kb) or PDF document (127 kb)
Payment System Indicators - September 2024
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2023-24 2023
September		 2024 2024 FY 2023-24 2023
September		 2024 2024
August September August September
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 43.04 3.73 3.88 4.08 259206893 21104039 23205978 23840258
1.1 Govt. Securities Clearing 16.80 1.52 1.62 1.57 170464587 13723954 15544033 14750412
1.1.1 Outright 9.51 0.93 0.99 0.99 13463848 1211320 1468219 1468346
1.1.2 Repo 4.94 0.41 0.41 0.37 76718788 5629136 6391039 6038102
1.1.3 Tri-party Repo 2.35 0.19 0.22 0.21 80281951 6883498 7684775 7243965
1.2 Forex Clearing 24.92 2.10 2.13 2.40 80984671 6811643 6911072 8415273
1.3 Rupee Derivatives @ 1.31 0.11 0.13 0.11 7757636 568441 750873 674573
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 2700.16 213.94 237.53 233.33 170886670 14545183 15910436 17786483
1.1 Customer Transactions 2686.04 212.80 236.33 232.21 152406168 12960210 14385410 16027655
1.2 Interbank Transactions 14.12 1.13 1.19 1.12 18480503 1584974 1525025 1758828
II Retail                
2 Credit Transfers - Retail 1486106.89 119215.72 166465.50 166626.30 67542859 5340256 6408703 6384754
2.1 AePS (Fund Transfers) @ 3.92 0.31 0.31 0.30 261 21 13 14
2.2 APBS $ 25888.17 1818.74 2783.25 2342.41 390743 17943 35283 35550
2.3 IMPS 60053.35 4728.97 4533.37 4299.36 6495652 507497 577888 565233
2.4 NACH Cr $ 16227.27 1512.78 1534.87 1657.93 1525104 109472 144196 122079
2.5 NEFT 72639.50 5598.05 7983.23 7908.83 39136014 3126190 3590588 3597885
2.6 UPI @ 1311294.68 105556.87 149630.47 150417.47 19995086 1579133 2060736 2063995
2.6.1 of which USSD @ 26.19 2.52 1.45 1.31 352 37 15 14
3 Debit Transfers and Direct Debits 18249.53 1514.68 1774.78 1805.36 1687658 138748 177162 180707
3.1 BHIM Aadhaar Pay @ 193.59 13.87 19.06 18.81 6112 441 576 568
3.2 NACH Dr $ 16426.49 1371.81 1621.10 1651.69 1678769 138081 176386 179945
3.3 NETC (linked to bank account) @ 1629.45 129.00 134.62 134.86 2777 226 199 193
4 Card Payments 58469.79 4578.47 5323.13 5275.26 2423563 189186 211744 216304
4.1 Credit Cards 35610.15 2739.43 3900.68 3921.62 1831134 142320 168202 176202
4.1.1 PoS based $ 18614.08 1420.96 2023.83 1980.89 651911 49440 63208 61033
4.1.2 Others $ 16996.08 1318.47 1876.85 1940.73 1179223 92879 104994 115169
4.2 Debit Cards 22859.64 1839.04 1422.45 1353.64 592429 46866 43542 40102
4.2.1 PoS based $ 16477.95 1325.79 1061.41 995.07 393589 30512 29346 25777
4.2.2 Others $ 6381.69 513.26 361.04 358.58 198840 16355 14196 14324
5 Prepaid Payment Instruments 78775.40 6143.16 5466.90 5476.69 283048 23668 16555 17489
5.1 Wallets 63256.69 4927.10 4092.83 4054.95 234353 19944 11599 11889
5.2 Cards 15518.71 1216.07 1374.07 1421.74 48695 3724 4956 5600
5.2.1 PoS based $ 8429.87 707.39 710.24 721.65 11247 842 908 858
5.2.2 Others $ 7088.84 508.67 663.82 700.09 37447 2882 4048 4743
6 Paper-based Instruments 6632.10 538.35 508.49 484.94 7212333 575021 568848 543387
6.1 CTS (NPCI Managed) 6632.10 538.35 508.49 484.94 7212333 575021 568848 543387
6.2 Others 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Retail Payments (2+3+4+5+6) 1648233.71 131990.38 179538.79 179668.56 79149461 6266879 7383012 7342641
Total Payments (1+2+3+4+5+6) 1650933.88 132204.32 179776.32 179901.89 250036131 20812062 23293447 25129124
Total Digital Payments (1+2+3+4+5) 1644301.78 131665.97 179267.83 179416.95 242823799 20237041 22724600 24585737

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2023-24 2023
September		 2024 2024 FY 2023-24 2023
September		 2024 2024
August September August September
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 1252599.21 101214.61 144031.16 143569.44 30687088 2434721 3188004 3161365
1.1 Intra-bank $ 83000.56 6606.30 9171.14 9081.76 5676805 446014 598931 601330
1.2 Inter-bank $ 1169598.65 94608.31 134860.02 134487.68 25010283 1988707 2589074 2560036
2 Internet Payments (Netbanking / internet browser based) @ 45034.98 3650.26 3912.80 3847.73 102117736 8219961 9520832 10092959
2.1 Intra-bank @ 12033.28 988.10 1157.09 1101.62 53247042 4179061 4883018 5123573
2.2 Inter-bank @ 33001.71 2662.16 2755.71 2746.11 48870694 4040900 4637815 4969386
B. ATMs                
3. Cash Withdrawal at ATMs $ 66440.72 5377.22 5157.20 4949.81 3259388 260514 255021 245223
3.1 Using Credit Cards $ 95.80 7.85 8.46 8.02 4648 380 434 417
3.2 Using Debit Cards $ 66001.01 5340.70 5128.53 4922.18 3241538 259072 253703 243930
3.3 Using Pre-paid Cards $ 343.90 28.67 20.20 19.62 13202 1062 883 876
4. Cash Withdrawal at PoS $ 15.18 0.97 0.30 0.27 148 9 3 3
4.1 Using Debit Cards $ 15.06 0.96 0.28 0.25 147 9 3 3
4.2 Using Pre-paid Cards $ 0.12 0.01 0.02 0.01 1 0 0 0
5. Cash Withdrawal at Micro ATMs @ 11754.95 991.43 972.97 975.12 314003 25477 23935 23389
5.1 AePS @ 11754.95 991.43 972.97 975.12 314003 25477 23935 23389

PART III - Payment Infrastructures (lakh)
  As on March 2024 2023
September		 2024 2024
August September
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 10667.22 10713.04 10912.03 10968.31
1.1 Credit Cards 1018.03 930.17 1054.92 1061.13
1.2 Debit Cards 9649.19 9782.86 9857.10 9907.18
2 Number of PPIs @ 16743.63 16718.12 15182.14 15339.88
2.1 Wallets @ 13381.80 13588.07 11322.72 11381.79
2.2 Cards @ 3361.82 3130.05 3859.42 3958.09
3 Number of ATMs and CRMs 2.58 2.58 2.55 2.55
3.1 Bank owned ATMs$ and CRMs# 2.23 2.23 2.20 2.20
3.2 White Label ATMs $ 0.35 0.35 0.35 0.35
4 Number of Micro ATMs @ 17.55 14.87 14.42 14.45
5 Number of PoS Terminals 89.03 83.03 93.01 93.43
6 Bharat QR @ 62.50 59.82 63.97 64.16
7 UPI QR * 3434.93 2950.06 5912.10 6069.95

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)
2024 2024 2024 2024
August September August September
1. Card Payments 105.49 114.82 8680 9362
1.1 Credit Cards 67.86 73.39 6263 6938
1.1.1 PoS based 25.21 29.45 1753 2150
1.1.2 Online 42.65 43.94 4509 4788
1.2 Debit Cards 37.64 41.43 2417 2424
1.2.1 PoS based 15.26 18.69 779 846
1.2.2 Online 22.38 22.74 1638 1578
2. Prepaid Payment Instruments 29.86 37.43 1398 1563
2.1 PoS based 25.47 32.13 1078 1209
2.2 Online 4.38 5.31 319 355
3. Cash Withdrawal at ATMs 5.63 6.06 1813 1645
3.1 Using Credit Cards 0.43 0.47 92 98
3.2 Using Debit Cards 3.39 3.69 774 763
3.3 Using PPIs 1.81 1.90 948 784
Total International Payments 140.99 158.31 11891 12570

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 58177.41 0.127 bps
October 2022 1.79 220 59533.35 0.127 bps
November 2022 2.06 257 50620.69 0.143 bps
December 2022 1.54 204 72426.75 0.103 bps
January 2023 1.57 195 71681.44 0.106 bps
February 2023 2.29 317 47018.00 0.177 bps
March 2023 2.25 333 53907.48 0.142 bps
April 2023 1.75 273 68927.36 0.152 bps
May 2023 2.03 285 63051.71 0.147 bps
June 2023 1.74 265 72554.96 0.128 bps
July 2023 2.24 286 59898.87 0.146 bps
August 2023 2.40 320 58391.71 0.157 bps
September 2023 2.52 366 55057.76 0.174 bps
October 2023 2.23 335 66950.05 0.164 bps
November 2023 2.57 428 57618.81 0.209 bps
December 2023 2.92 432 53327.09 0.187 bps
January 2024 2.69 435 56335.82 0.207 bps
February 2024 2.57 507 61162.60 0.231 bps
March 2024 2.57 471 67394.38 0.177 bps
April 2024 2.38 414 70681.81 0.191 bps
May 2024 2.81 545 62637.44 0.240 bps
June 2024 2.36 480 73786.50 0.206 bps
July 2024 2.54 462 71157.30 0.194 bps
August 2024 2.34 401 79284.04 0.170 bps
September 2024 2.19 401 84751.16 0.158 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.

Top