Payment System Indicators

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Payment System Indicators - November 2021
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.

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