| PART I - Payment System Indicators - Payment & Settlement System Statistics | | | Volume (lakh) | Value (₹ crore) | | FY 2020-21 | 2021 January | 2021 | 2022 | FY 2020-21 | 2021
January | 2021 | 2022 | | December | January | December | January | | 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | | A. Settlement Systems | | | | | | | | | | Financial Market Infrastructures (FMIs) | | | | | | | | | | 1 CCIL Operated Systems | 27.97 | 2.32 | 3.13 | 2.54 | 161943141 | 15723500 | 20703988 | 17839802 | | 1.1 Govt. Securities Clearing | 11.55 | 0.93 | 1.10 | 0.93 | 110634315 | 10875915 | 14801512 | 12892869 | | 1.1.1 Outright | 6.28 | 0.48 | 0.48 | 0.40 | 10032187 | 657843 | 651103 | 569722 | | 1.1.2 Repo | 2.84 | 0.22 | 0.30 | 0.26 | 43751173 | 3848935 | 5075401 | 4348558 | | 1.1.3 Tri-party Repo | 2.43 | 0.24 | 0.31 | 0.28 | 56850956 | 6369137 | 9075009 | 7974589 | | 1.2 Forex Clearing | 16.04 | 1.35 | 1.96 | 1.52 | 48903961 | 4576570 | 5516604 | 4470518 | | 1.3 Rupee Derivatives @ | 0.38 | 0.04 | 0.07 | 0.09 | 2404865 | 271015 | 385873 | 476415 | | B. Payment Systems | | | | | | | | | | I Financial Market Infrastructures (FMIs) | | | | | | | | | | 1 Credit Transfers - RTGS | 1591.92 | 156.68 | 192.78 | 181.29 | 105599849 | 9170162 | 12966991 | 10449109 | | 1.1 Customer Transactions | 1573.47 | 155.07 | 191.50 | 180.08 | 91008367 | 7854553 | 11418233 | 9285159 | | 1.2 Interbank Transactions | 18.45 | 1.61 | 1.29 | 1.21 | 14591482 | 1315609 | 1548758 | 1163950 | | II Retail | | | | | | | | | | 2 Credit Transfers - Retail | 317867.74 | 31708.24 | 56422.79 | 57362.63 | 33504226 | 2990835 | 4076395 | 3803991 | | 2.1 AePS (Fund Transfers) @ | 11.31 | 1.09 | 0.65 | 0.55 | 623 | 65 | 36 | 29 | | 2.2 APBS $ | 14372.99 | 1224.28 | 1082.20 | 1106.32 | 111001 | 8500 | 14987 | 18048 | | 2.3 IMPS | 32783.47 | 3465.52 | 4429.86 | 4401.73 | 2941500 | 288538 | 396411 | 387007 | | 2.4 NACH Cr $ | 16465.44 | 1115.13 | 1483.71 | 2053.44 | 1216535 | 96681 | 113132 | 124228 | | 2.5 NEFT | 30927.89 | 2874.93 | 3763.38 | 3629.03 | 25130910 | 2165869 | 2724980 | 2442686 | | 2.6 UPI @ | 223306.64 | 23027.28 | 45662.99 | 46171.56 | 4103658 | 431182 | 826848 | 831993 | | 2.6.1 of which USSD @ | 10.45 | 0.92 | 1.12 | 0.81 | 172 | 15 | 16 | 11 | | 3 Debit Transfers and Direct Debits | 10456.54 | 928.08 | 1064.54 | 1059.01 | 865520 | 79372 | 91163 | 91554 | | 3.1 BHIM Aadhaar Pay @ | 160.84 | 10.29 | 19.59 | 24.47 | 2580 | 214 | 611 | 728 | | 3.2 NACH Dr $ | 9645.75 | 839.08 | 937.92 | 934.07 | 862027 | 79044 | 90426 | 90703 | | 3.3 NETC (linked to bank account) @ | 649.96 | 78.71 | 107.03 | 100.47 | 913 | 113 | 126 | 123 | | 4 Card Payments | 57,786.60 | 5,443.74 | 5,611.80 | 5,151.05 | 12,91,799 | 1,27,894 | 1,60,398 | 1,47,794 | | 4.1 Credit Cards | 17,641.06 | 1,744.20 | 2,112.59 | 1,958.05 | 6,30,414 | 64,737 | 93,907 | 87,769 | | 4.1.1 PoS based $ | 8688.81 | 926.09 | 1093.48 | 960.63 | 280769 | 29409 | 36713 | 32735 | | 4.1.2 Others $ | 8952.25 | 818.11 | 1019.10 | 997.43 | 349645 | 35328 | 57195 | 55034 | | 4.2 Debit Cards | 40,145.54 | 3,699.54 | 3,499.21 | 3,193.00 | 661385 | 63157 | 66491 | 60025 | | 4.2.1 PoS based $ | 20773.50 | 2132.37 | 2202.51 | 1924.51 | 377630 | 39189 | 43062 | 37274 | | 4.2.2 Others $ | 19372.04 | 1567.18 | 1296.71 | 1268.48 | 283755 | 23969 | 23429 | 22752 | | 5 Prepaid Payment Instruments | 49,742.55 | 4,427.00 | 7,008.24 | 5,865.60 | 197696 | 19419 | 26896 | 26105 | | 5.1 Wallets | 39987.01 | 3499.66 | 5661.02 | 4613.76 | 152065 | 13577 | 21220 | 19789 | | 5.2 Cards | 9,755.54 | 927.34 | 1,347.22 | 1,251.85 | 45631 | 5842 | 5676 | 6316 | | 5.2.1 PoS based $ | 607.15 | 61.52 | 99.63 | 114.11 | 10591 | 1433 | 1893 | 2307 | | 5.2.2 Others $ | 9148.39 | 865.83 | 1247.59 | 1137.73 | 35040 | 4410 | 3784 | 4009 | | 6 Paper-based Instruments | 6,703.70 | 657.01 | 660.33 | 596.99 | 5627189 | 551207 | 640955 | 557721 | | 6.1 CTS (NPCI Managed) | 6702.53 | 657.01 | 660.33 | 596.99 | 5625941 | 551207 | 640955 | 557721 | | 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 | 43,164.07 | 70,767.70 | 70,035.28 | 41486430 | 3768727 | 4995808 | 4627165 | | Total Payments (1+2+3+4+5+6) | 4,44,149.06 | 43,320.75 | 70,960.48 | 70,216.58 | 147086278 | 12938889 | 17962798 | 15076275 | | Total Digital Payments (1+2+3+4+5) | 4,37,445.36 | 42,663.74 | 70,300.15 | 69,619.59 | 141459089 | 12387683 | 17321843 | 14518553 |
| PART II - Payment Modes and Channels | | | Volume (lakh) | Value (₹ crore) | | FY 2020-21 | 2021 January | 2021 | 2022 | FY 2020-21 | 2021
January | 2021 | 2022 | | December | January | December | January | | 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | | A. Other Payment Channels | | | | | | | | | | 1 Mobile Payments (mobile app based) | 2,58,033.70 | 27,644.30 | 49,877.80 | 50,122.61 | 92,01,212 | 10,20,313 | 14,33,961 | 14,22,872 | | 1.1 Intra-bank $ | 25,220.71 | 2,571.61 | 3927.19 | 3,879.91 | 18,71,390 | 2,12,336 | 254443 | 250455 | | 1.2 Inter-bank $ | 2,32,812.99 | 25,072.69 | 45950.61 | 46,242.71 | 73,29,822 | 8,07,977 | 1179518 | 1172417 | | 2 Internet Payments (Netbanking / internet browser based) @ | 32,493.63 | 3,084.98 | 3,117.10 | 3,091.31 | 4,15,81,497 | 41,58,234 | 45,31,114 | 40,08,361 | | 2.1 Intra-bank @ | 6,886.15 | 617.29 | 611.14 | 598.61 | 2,06,01,554 | 21,84,556 | 2082236 | 1723484 | | 2.2 Inter-bank @ | 25,607.48 | 2,467.69 | 2505.96 | 2,492.69 | 2,09,79,943 | 19,73,678 | 2448878 | 2284877 | | B. ATMs | | | | | | | | | | 3. Cash Withdrawal at ATMs $ | 60,905.81 | 5,734.25 | 5,928.20 | 5,558.75 | 28,89,826 | 2,67,500 | 2,80,372 | 2,62,384 | | 3.1 Using Credit Cards $ | 51.41 | 5.04 | 5.90 | 5.49 | 2560 | 251 | 295.21 | 269.39 | | 3.2 Using Debit Cards $ | 60602.23 | 5704.78 | 5893.54 | 5523.91 | 2878025 | 266315 | 279099.68 | 261124.03 | | 3.3 Using Pre-paid Cards $ | 252.17 | 24.43 | 28.76 | 29.36 | 9240 | 934 | 977 | 990 | | 4. Cash Withdrawal at PoS $ | 394.77 | 32.47 | 3.89 | 2.36 | 1533 | 137 | 42 | 35 | | 4.1 Using Debit Cards $ | 353.50 | 30.62 | 3.71 | 2.08 | 1484 | 135 | 34.61 | 19.59 | | 4.2 Using Pre-paid Cards $ | 41.27 | 1.84 | 0.18 | 0.28 | 49 | 2 | 7 | 16 | | 5. Cash Withdrawal at Micro ATMs @ | 9460.43 | 777.16 | 940.20 | 1125.54 | 225420 | 21700 | 25208 | 28582 | | 5.1 AePS @ | 9460.43 | 777.16 | 940.20 | 1125.54 | 225420 | 21700 | 25208 | 28582 |
| PART III - Payment Infrastructures (lakh) | | | As on March 2021 | 2021 January | 2021 | 2022 | | December | January | | 1 | 2 | 3 | 4 | | Payment System Infrastructures | | | | | | 1 Number of Cards | 9,602.51 | 9,491.63 | 10,066.90 | 10,111.81 | | 1.1 Credit Cards | 620.49 | 610.98 | 689.49 | 702.52 | | 1.2 Debit Cards | 8,982.02 | 8,880.65 | 9377.42 | 9409.29 | | 2 Number of PPIs @ | 21,952.60 | 21,212.16 | 26,426.15 | 26,898.31 | | 2.1 Wallets @ | 20,052.10 | 19,461.26 | 23,828.54 | 24,231.94 | | 2.2 Cards @ | 1,900.51 | 1,750.90 | 2,597.62 | 2,666.37 | | 3 Number of ATMs and CRMs | 2.39 | 2.34 | 2.49 | 2.51 | | 3.1 Bank owned ATMs$ and CRMs# | 2.14 | 2.09 | 2.19 | 2.21 | | 3.2 White Label ATMs $ | 0.25 | 0.25 | 0.30 | 0.30 | | 4 Number of Micro ATMs @ | 4.04 | 3.73 | 5.91 | 6.43 | | 5 Number of PoS Terminals | 47.20 | 46.55 | 54.98 | 56.20 | | 6 Bharat QR @ | 35.70 | 33.60 | 46.47 | 46.97 | | 7 UPI QR * | 925.22 | 805.89 | 1440.10 | 1521.05 | @: 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. | |