Payment System Indicators

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Payment System Indicators - December 2021 (Revised)
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2020-21 2020 December 2021 2021 FY 2020-21 2020 December 2021 2021
November December November December
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 27.97 2.62 2.56 3.13 161943141 15757032 17364381 20703988
1.1 Govt. Securities Clearing 11.55 1.00 0.97 1.10 110634315 10816866 12229072 14801512
1.1.1 Outright 6.28 0.51 0.46 0.48 10032187 772886 617831 651103
1.1.2 Repo 2.84 0.25 0.26 0.30 43751173 4089804 4273958 5075401
1.1.3 Tri-party Repo 2.43 0.24 0.25 0.31 56850956 5954176 7337283 9075009
1.2 Forex Clearing 16.04 1.58 1.53 1.96 48903961 4651382 4816873 5516604
1.3 Rupee Derivatives @ 0.38 0.04 0.06 0.07 2404865 288785 318437 385873
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 1591.92 163.48 172.14 192.78 105599849 10659120 10981778 12966991
1.1 Customer Transactions 1573.47 161.72 170.95 191.50 91008367 9058136 9589985 11418233
1.2 Interbank Transactions 18.45 1.75 1.19 1.29 14591482 1600984 1391793 1548758
II Retail                
2 Credit Transfers - Retail 317867.74 31735.79 51855.52 56422.79 33504226 3393355 3552986 4076395
2.1 AePS (Fund Transfers) @ 11.31 1.03 0.62 0.65 623 61 35 36
2.2 APBS $ 14372.99 1018.90 1119.16 1082.20 111001 8180 9750 14987
2.3 IMPS 32783.47 3556.93 4120.29 4429.86 2941500 292325 364672 396411
2.4 NACH Cr $ 16465.44 1741.20 1356.65 1483.71 1216535 118309 95602 113132
2.5 NEFT 30927.89 3076.15 3394.00 3763.38 25130910 2558304 2314490 2724980
2.6 UPI @ 223306.64 22341.58 41864.80 45662.99 4103658 416176 768436 826848
2.6.1 of which USSD @ 10.45 0.88 1.00 1.12 172 14 15 16
3 Debit Transfers and Direct Debits 10456.54 922.53 1031.91 1064.54 865520 81871 87212 91163
3.1 BHIM Aadhaar Pay @ 160.84 8.90 19.78 19.59 2580 187 536 611
3.2 NACH Dr $ 9645.75 840.43 900.10 937.92 862027 81576 86517 90426
3.3 NETC (linked to bank account) @ 649.96 73.21 112.03 107.03 913 108 158 126
4 Card Payments 57,786.60 5,502.88 5,418.18 5,611.80 12,91,799 1,28,665 1,56,326 1,60,398
4.1 Credit Cards 17,641.06 1,737.79 2,011.16 2,112.59 6,30,414 63,487 89,217 93,907
4.1.1 PoS based $ 8688.81 914.20 1068.93 1093.48 280769 28961 37498.79 36712.65
4.1.2 Others $ 8952.25 823.59 942.23 1019.10 349645 34526 51718.05 57194.58
4.2 Debit Cards 40,145.54 3,765.09 3,407.02 3,499.21 661385 65178 67109 66491
4.2.1 PoS based $ 20773.50 2165.50 2112.04967 2202.51 377630 39437 43751 43062.3
4.2.2 Others $ 19372.04 1599.59 1294.96723 1296.71 283755 25741 23358 23428.74
5 Prepaid Payment Instruments 49,742.55 4,372.11 6,107.23 7,008.24 197696 18153 25583 26896
5.1 Wallets 39987.01 3521.48 4870.19 5661.02 152065 13392 21041 21220
5.2 Cards 9,755.54 850.63 1,237.04 1,347.22 45631 4761 4542 5676
5.2.1 PoS based $ 607.15 58.15 74.48 99.63 10591 1107 1287 1893
5.2.2 Others $ 9148.39 792.48 1162.56 1247.59 35040 3654 3255 3784
6 Paper-based Instruments 6,703.70 719.40 577.00 660.33 5627189 618015 533223 640955
6.1 CTS (NPCI Managed) 6702.53 719.40 577.00 660.33 5625941 618015 533223 640955
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 43,252.72 64,989.84 70,767.70 41486430 4240059 4355330 4995808
Total Payments (1+2+3+4+5+6) 4,44,149.06 43,416.20 65,161.97 70,960.48 147086278 14899180 15337108 17962798
Total Digital Payments (1+2+3+4+5) 4,37,445.36 42,696.80 64,584.97 70,300.15 141459089 14281164 14803885 17321843

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2020-21 2020 December 2021 2021 FY 2020-21 2020 December 2021 2021
November December November December
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 2,58,033.70 25,296.64 45,548.53 49,877.80 92,01,212 9,01,655 13,24,008 14,33,961
1.1 Intra-bank $ 25,220.71 2,183.03 3,732.97 3,927.19 18,71,390 1,74,603 2,39,989 2,54,443
1.2 Inter-bank $ 2,32,812.99 23,113.62 41,815.57 45,950.61 73,29,822 7,27,052 10,84,018 11,79,518
2 Internet Payments (Netbanking / internet browser based) @ 32,493.63 3,147.85 2,860.67 3,117.10 4,15,81,497 40,79,472 39,37,877 45,31,114
2.1 Intra-bank @ 6,886.15 637.64 570.26 611.14 2,06,01,554 19,34,396 17,88,978 20,82,236
2.2 Inter-bank @ 25,607.48 2,510.20 2,290.41 2,505.96 2,09,79,943 21,45,077 21,48,899 24,48,878
B. ATMs                
3. Cash Withdrawal at ATMs $ 60,905.81 5,680.37 5,691.73 5,928.20 28,89,826 2,66,709 2,71,730 2,80,372
3.1 Using Credit Cards $ 51.41 5.01 5.45 5.90 2560 246 276 295.21
3.2 Using Debit Cards $ 60602.23 5650.86 5657.83 5893.54 2878025 265569 270515 279099.68
3.3 Using Pre-paid Cards $ 252.17 24.51 28.44 28.76 9240 893 939 977
4. Cash Withdrawal at PoS $ 394.77 39.89 4.82 3.89 1533 149 63 42
4.1 Using Debit Cards $ 353.50 34.53 4.14 3.71 1484 142 39 34.61
4.2 Using Pre-paid Cards $ 41.27 5.37 0.68 0.18 49 6 24 7
5. Cash Withdrawal at Micro ATMs @ 9460.43 715.03 925.63 940.20 225420 19671 25112 25208
5.1 AePS @ 9460.43 715.03 925.63 940.20 225420 19671 25112 25208

PART III - Payment Infrastructures (lakh)
  As on March 2021 2020 December 2021 2021
November December
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 9,602.51 9,460.57 10,015.90 10,066.90
1.1 Credit Cards 620.49 603.97 675.83 689.49
1.2 Debit Cards 8,982.02 8,856.60 9340.07 9377.42
2 Number of PPIs @ 21,952.60 20,819.05 25,918.94 26,426.15
2.1 Wallets @ 20,052.10 19,156.35 23,408.81 23,828.54
2.2 Cards @ 1,900.51 1,662.70 2,510.13 2,597.62
3 Number of ATMs and CRMs 2.39 2.33 2.42 2.49
3.1 Bank owned ATMs $ and CRMs# 2.14 2.08 2.13 2.19
3.2 White Label ATMs $ 0.25 0.25 0.29 0.30
4 Number of Micro ATMs @ 4.04 3.56 5.57 5.91
5 Number of PoS Terminals 47.20 45.85 52.92 54.98
6 Bharat QR @ 35.70 32.00 45.41 46.47
7 UPI QR * 925.22 752.31 1373.33 1440.10
@: New inclusion w.e.f. November 2019
#: Data reported by Co-operative Banks, LABs and RRBs included with effect from Dec 2021.
$ : 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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