| PART I - Payment System Indicators - Payment & Settlement System Statistics | | | Volume (lakh) | Value (₹ crore) | | FY 2020-21 | 2020 November | 2021 | 2021 | FY 2020-21 | 2020 November | 2021 | 2021 | | October | November | October | November | | 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | | A. Settlement Systems | | | | | | | | | | Financial Market Infrastructures (FMIs) | | | | | | | | | | 1 CCIL Operated Systems | 27.97 | 2.45 | 2.85 | 2.56 | 161943141 | 10692192 | 16600978 | 17364381 | | 1.1 Govt. Securities Clearing | 11.55 | 0.79 | 1.04 | 0.97 | 110634315 | 6942678 | 11415739 | 12229072 | | 1.1.1 Outright | 6.28 | 0.48 | 0.55 | 0.46 | 10032187 | 727023 | 745937 | 617831 | | 1.1.2 Repo | 2.84 | 0.12 | 0.25 | 0.26 | 43751173 | 1762647 | 3822009 | 4273958 | | 1.1.3 Tri-party Repo | 2.43 | 0.19 | 0.23 | 0.25 | 56850956 | 4453008 | 6847793 | 7337283 | | 1.2 Forex Clearing | 16.04 | 1.64 | 1.73 | 1.53 | 48903961 | 3625849 | 4736040 | 4816873 | | 1.3 Rupee Derivatives @ | 0.38 | 0.02 | 0.08 | 0.06 | 2404865 | 123665 | 449200 | 318437 | | B. Payment Systems | | | | | | | | | | I Financial Market Infrastructures (FMIs) | | | | | | | | | | 1 Credit Transfers - RTGS | 1591.92 | 137.80 | 184.11 | 172.14 | 105599849 | 7987655 | 10134368 | 10981778 | | 1.1 Customer Transactions | 1573.47 | 136.13 | 182.90 | 170.95 | 91008367 | 6802206 | 8956918 | 9589985 | | 1.2 Interbank Transactions | 18.45 | 1.67 | 1.22 | 1.19 | 14591482 | 1185449 | 1177450 | 1391793 | | II Retail | | | | | | | | | | 2 Credit Transfers - Retail | 317867.74 | 30269.97 | 52919.52 | 51855.52 | 33504226 | 2986234 | 3748602 | 3552986 | | 2.1 AePS (Fund Transfers) @ | 11.31 | 0.93 | 0.86 | 0.62 | 623 | 54 | 49 | 35 | | 2.2 APBS $ | 14372.99 | 927.29 | 1192.91 | 1119.16 | 111001 | 4400 | 7519 | 9750 | | 2.3 IMPS | 32783.47 | 3391.14 | 4306.71 | 4120.29 | 2941500 | 276459 | 370712 | 364672 | | 2.4 NACH Cr $ | 16465.44 | 1114.23 | 1660.26 | 1356.65 | 1216535 | 96069 | 122519 | 95602 | | 2.5 NEFT | 30927.89 | 2734.10 | 3574.46 | 3394.00 | 25130910 | 2218252 | 2476397 | 2314490 | | 2.6 UPI @ | 223306.64 | 22102.28 | 42184.32 | 41864.80 | 4103658 | 390999 | 771407 | 768436 | | 2.6.1 of which USSD @ | 10.45 | 0.91 | 1.11 | 1.00 | 172 | 15 | 16 | 15 | | 3 Debit Transfers and Direct Debits | 10456.54 | 944.24 | 979.36 | 1031.91 | 865520 | 78709 | 85776 | 87212 | | 3.1 BHIM Aadhaar Pay @ | 160.84 | 9.39 | 21.49 | 19.78 | 2580 | 181 | 560 | 536 | | 3.2 NACH Dr $ | 9645.75 | 869.63 | 865.69 | 900.10 | 862027 | 78433 | 85103 | 86517 | | 3.3 NETC (linked to bank account) @ | 649.96 | 65.22 | 92.18 | 112.03 | 913 | 96 | 114 | 158 | | 4 Card Payments | 57,786.60 | 5,428.32 | 6,008.76 | 5,418.21 | 12,91,799 | 1,30,239 | 1,77,413 | 1,56,325 | | 4.1 Credit Cards | 17,641.06 | 1,662.58 | 2,155.81 | 2,011.16 | 6,30,414 | 62,350 | 1,00,943 | 89,217 | | 4.1.1 PoS based $ | 8688.81 | 874.82 | 1075.23 | 1068.93 | 280769 | 30495 | 38442.37 | 37498.79 | | 4.1.2 Others $ | 8952.25 | 787.76 | 1080.58 | 942.23 | 349645 | 31855 | 62500.41 | 51718.05 | | 4.2 Debit Cards | 40,145.54 | 3,765.75 | 3,852.95 | 3,407.05 | 661385 | 67889 | 76471 | 67109 | | 4.2.1 PoS based $ | 20773.50 | 2112.56 | 2302.56 | 2111.98 | 377630 | 42289 | 47226 | 43750 | | 4.2.2 Others $ | 19372.04 | 1653.18 | 1550.39 | 1295.07 | 283755 | 25600 | 29245 | 23358 | | 5 Prepaid Payment Instruments | 49,742.55 | 4,226.72 | 6,131.06 | 6,107.21 | 197696 | 16712 | 26372 | 25583 | | 5.1 Wallets | 39987.01 | 3421.15 | 4888.97 | 4871.05 | 152065 | 12724 | 21702 | 21057 | | 5.2 Cards | 9,755.54 | 805.58 | 1,242.09 | 1,236.16 | 45631 | 3987 | 4670 | 4526 | | 5.2.1 PoS based $ | 607.15 | 72.00 | 64.58 | 74.48 | 10591 | 1111 | 998 | 1287 | | 5.2.2 Others $ | 9148.39 | 733.57 | 1177.51 | 1161.68 | 35040 | 2877 | 3672 | 3240 | | 6 Paper-based Instruments | 6,703.70 | 596.35 | 635.20 | 577.00 | 5627189 | 494383 | 582604 | 533223 | | 6.1 CTS (NPCI Managed) | 6702.53 | 596.35 | 635.20 | 577.00 | 5625941 | 494383 | 582604 | 533223 | | 6.2 Others | 1.17 | 0.00 | 0.00 | 0.00 | 1249 | 0 | 0 | 0 | | Total - Retail Payments (2+3+4+5+6) | 4,42,557.14 | 41,465.61 | 66,673.91 | 64,989.85 | 41486430 | 3706276 | 4620768 | 4355329 | | Total Payments (1+2+3+4+5+6) | 4,44,149.06 | 41,603.41 | 66,858.02 | 65,161.98 | 147086278 | 11693931 | 14755136 | 15337107 | | Total Digital Payments (1+2+3+4+5) | 4,37,445.36 | 41,007.06 | 66,222.82 | 64,584.98 | 141459089 | 11199549 | 14172532 | 14803884 |
| PART II - Payment Modes and Channels | | | Volume (lakh) | Value (₹ crore) | | FY 2020-21 | 2020 November | 2021 | 2021 | FY 2020-21 | 2020 November | 2021 | 2021 | | October | November | October | November | | 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | | A. Other Payment Channels | | | | | | | | | | 1 Mobile Payments (mobile app based) | 2,58,033.70 | 24,288.77 | 45,884.23 | 45,045.78 | 92,01,212 | 8,22,100 | 13,53,833 | 13,06,948 | | 1.1 Intra-bank $ | 25,220.71 | 2,191.98 | 3,761.38 | 3,230.26 | 18,71,390 | 1,65,155 | 2,43,728 | 2,22,891 | | 1.2 Inter-bank $ | 2,32,812.99 | 22,096.79 | 42,122.85 | 41,815.52 | 73,29,822 | 6,56,945 | 11,10,105 | 10,84,057 | | 2 Internet Payments (Netbanking / internet browser based) @ | 32,493.63 | 2,814.17 | 3,233.71 | 2,860.67 | 4,15,81,497 | 34,19,474 | 39,60,872 | 39,37,877 | | 2.1 Intra-bank @ | 6,886.15 | 585.09 | 631.51 | 570.26 | 2,06,01,554 | 16,53,359 | 17,23,311 | 17,88,978 | | 2.2 Inter-bank @ | 25,607.48 | 2,229.09 | 2,602.20 | 2,290.41 | 2,09,79,943 | 17,66,114 | 22,37,561 | 21,48,899 | | B. ATMs | | | | | | | | | | 3. Cash Withdrawal at ATMs $ | 60,905.81 | 5,887.86 | 6,037.14 | 5,690.35 | 28,89,826 | 2,77,940 | 2,89,888 | 2,71,685 | | 3.1 Using Credit Cards $ | 51.41 | 4.64 | 5.64 | 5.45 | 2560 | 231 | 286 | 276 | | 3.2 Using Debit Cards $ | 60602.23 | 5857.58 | 6002.43 | 5656.45 | 2878025 | 276797 | 288605 | 270470 | | 3.3 Using Pre-paid Cards $ | 252.17 | 25.63 | 29.07 | 28.44 | 9240 | 912 | 997 | 939 | | 4. Cash Withdrawal at PoS $ | 394.77 | 37.91 | 5.34 | 4.82 | 1533 | 143 | 64 | 63 | | 4.1 Using Debit Cards $ | 353.50 | 32.33 | 4.44 | 4.14 | 1484 | 137 | 39 | 39 | | 4.2 Using Pre-paid Cards $ | 41.27 | 5.58 | 0.90 | 0.68 | 49 | 6 | 25 | 24 | | 5. Cash Withdrawal at Micro ATMs @ | 9460.43 | 684.78 | 946.33 | 925.63 | 225420 | 18820 | 24799 | 25112 | | 5.1 AePS @ | 9460.43 | 684.78 | 946.33 | 925.63 | 225420 | 18820 | 24799 | 25112 |
| PART III - Payment Infrastructures (lakh) | | | As on March 2021 | 2020 November | 2021 | 2021 | | October | November | | 1 | 2 | 3 | 4 | | Payment System Infrastructures | | | | | | 1 Number of Cards | 9,602.51 | 9,528.15 | 9,991.94 | 10,015.90 | | 1.1 Credit Cards | 620.49 | 601.13 | 663.61 | 675.83 | | 1.2 Debit Cards | 8,982.02 | 8,927.02 | 9328.34 | 9340.07 | | 2 Number of PPIs @ | 21,952.60 | 20,443.15 | 25,307.71 | 25,421.67 | | 2.1 Wallets @ | 20,052.10 | 18,857.67 | 22,886.70 | 22,911.53 | | 2.2 Cards @ | 1,900.51 | 1,585.48 | 2,421.01 | 2,510.13 | | 3 Number of ATMs | 2.39 | 2.34 | 2.41 | 2.42 | | 3.1 Bank owned ATMs $ | 2.14 | 2.09 | 2.13 | 2.13 | | 3.2 White Label ATMs $ | 0.25 | 0.25 | 0.28 | 0.29 | | 4 Number of Micro ATMs @ | 4.04 | 3.57 | 5.34 | 5.57 | | 5 Number of PoS Terminals | 47.20 | 45.77 | 51.55 | 52.92 | | 6 Bharat QR @ | 35.70 | 30.46 | 44.35 | 45.41 | | 7 UPI QR * | 925.22 | 697.82 | 1285.05 | 1373.33 | @: 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. | |