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Payment System Indicators

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Payment System Indicators - January 2024
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2022-23 2023
January
2023 2024 FY 2022-23 2023
January
2023 2024
December January December January
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 41.44 3.66 3.41 3.74 258797336 21571346 22228644 21705635
1.1 Govt. Securities Clearing 15.00 1.17 1.29 1.42 172251292 14383734 14220985 14658627
1.1.1 Outright 7.99 0.60 0.69 0.79 10090700 785714 1009116 1100547
1.1.2 Repo 4.07 0.35 0.40 0.43 68032487 5556922 5903343 6039056
1.1.3 Tri-party Repo 2.94 0.21 0.20 0.21 94128105 8041098 7308526 7519024
1.2 Forex Clearing 25.16 2.40 2.01 2.21 78932050 6553596 7392675 6439543
1.3 Rupee Derivatives @ 1.27 0.10 0.11 0.11 7613994 634016 614984 607465
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 2425.62 204.18 230.39 230.99 149946286 12546467 15888778 14691625
1.1 Customer Transactions 2411.19 202.99 229.23 229.79 131667176 11028450 14244586 13127720
1.2 Interbank Transactions 14.43 1.19 1.16 1.20 18279111 1518016 1644192 1563905
II Retail                
2 Credit Transfers - Retail 983620.84 92396.07 134755.92 137068.03 55009620 4738328 5917191 5945126
2.1 AePS (Fund Transfers) @ 5.90 0.32 0.32 0.36 356 23 23 24
2.2 APBS $ 17833.95 1112.35 1580.49 2118.74 247535 19956 27013 42872
2.3 IMPS 56532.64 4745.08 4987.93 5087.92 5585441 477491 570126 566310
2.4 NACH Cr $ 19257.19 1354.13 1310.99 948.05 1541815 131620 128244 127514
2.5 NEFT 52847.43 4798.31 6673.93 6882.78 33719541 2810180 3368836 3367322
2.6 UPI @ 837143.73 80385.88 120202.26 122030.18 13914932 1299059 1822949 1841084
2.6.1 of which USSD @ 17.21 1.79 2.06 1.90 197 19 26 21
3 Debit Transfers and Direct Debits 15343.05 1360.36 1557.74 1571.50 1289611 115658 152705 154405
3.1 BHIM Aadhaar Pay @ 214.22 13.01 14.09 18.82 6791 468 478 619
3.2 NACH Dr $ 13502.52 1202.79 1403.46 1440.08 1280219 114953 151991 153564
3.3 NETC (linked to bank account) @ 1626.31 144.56 140.19 112.60 2601 236 237 222
4 Card Payments 63324.72 5103.61 4983.15 4935.80 2152245 183460 213054 211930
4.1 Credit Cards 29145.24 2593.52 3215.00 3289.52 1432255 127682 165119 166444
4.1.1 PoS based $ 15598.46 1409.19 1706.70 1725.59 541932 48934 58300 58532
4.1.2 Others $ 13546.79 1184.33 1508.29 1563.93 890323 78748 106819 107912
4.2 Debit Cards 34179.48 2510.09 1768.16 1646.29 719989 55778 47935 45486
4.2.1 PoS based $ 22904.86 1742.51 1301.59 1193.18 476520 37520 32225 30383
4.2.2 Others $ 11274.61 767.59 466.56 453.11 243470 18258 15709 15103
5 Prepaid Payment Instruments 74667.44 6129.40 7235.20 7087.25 287111 22193 26173 25784
5.1 Wallets 59112.76 4873.96 5960.57 5766.67 221896 17899 21732 21259
5.2 Cards 15554.69 1255.44 1274.63 1320.58 65215 4294 4441 4525
5.2.1 PoS based $ 1013.09 64.59 709.65 690.67 14777 774 915 927
5.2.2 Others $ 14541.60 1190.86 564.98 629.91 50438 3520 3526 3598
6 Paper-based Instruments 7109.28 573.18 547.23 547.17 7172904 570639 592972 583653
6.1 CTS (NPCI Managed) 7109.28 573.18 547.23 547.17 7172904 570639 592972 583653
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) 1144065.34 105562.62 149079.24 151209.76 65911490 5630279 6902095 6920898
Total Payments (1+2+3+4+5+6) 1146490.96 105766.80 149309.63 151440.75 215857776 18176745 22790873 21612523
Total Digital Payments (1+2+3+4+5) 1139381.68 105193.62 148762.40 150893.58 208684872 17606106 22197901 21028871

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2022-23 2023
January
2023 2024 FY 2022-23 2023
January
2023 2024
December January December January
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 805338.23 75947.75 116329.75 117903.61 22031628 1962895 2804467 2816377
1.1 Intra-bank $ 62306.61 4884.25 7372.04 7654.37 4191430 345334 508669 524854
1.2 Inter-bank $ 743031.61 71063.50 108957.71 110249.24 17840197 1617561 2295798 2291522
2 Internet Payments (Netbanking / internet browser based) @ 42630.64 3544.67 3836.26 3837.71 91539296 7327328 9388620 9123993
2.1 Intra-bank @ 10703.78 889.79 1050.96 1024.85 53506133 4089462 4862570 4760851
2.2 Inter-bank @ 31926.86 2654.88 2785.31 2812.86 38033163 3237866 4526051 4363142
B. ATMs                
3. Cash Withdrawal at ATMs $ 69468.87 5750.37 5463.60 5304.00 3305008 272142 269288 260647
3.1 Using Credit Cards $ 88.37 8.13 8.19 8.26 4296 385 405 404
3.2 Using Debit Cards $ 68975.18 5709.48 5428.47 5270.18 3286749 270595 267843 259227
3.3 Using Pre-paid Cards $ 405.32 32.76 26.94 25.56 13963 1161 1041 1016
4. Cash Withdrawal at PoS $ 27.73 2.44 0.66 0.65 278 24 6 6
4.1 Using Debit Cards $ 27.41 2.42 0.66 0.64 276 24 6 6
4.2 Using Pre-paid Cards $ 0.33 0.02 0.00 0.02 2 0 0 0
5. Cash Withdrawal at Micro ATMs @ 12375.16 963.46 929.51 839.66 333966 26203 24592 22351
5.1 AePS @ 12375.16 963.46 929.51 839.66 333966 26203 24592 22351

PART III - Payment Infrastructures (lakh)
  As on March 2023 2023
January
2023 2024
December January
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 10465.62 10280.33 10587.85 10570.66
1.1 Credit Cards 853.03 824.52 979.05 995.00
1.2 Debit Cards 9612.59 9455.81 9608.81 9575.65
2 Number of PPIs @ 16185.22 16029.29 17544.34 17676.26
2.1 Wallets @ 13384.65 13244.34 14293.01 14396.94
2.2 Cards @ 2800.57 2784.95 3251.33 3279.32
3 Number of ATMs and CRMs 2.59 2.58 2.58 2.58
3.1 Bank owned ATMs$ and CRMs# 2.23 2.21 2.24 2.24
3.2 White Label ATMs $ 0.36 0.37 0.34 0.34
4 Number of Micro ATMs @ 16.11 14.75 16.89 17.60
5 Number of PoS Terminals 77.90 76.57 85.67 85.93
6 Bharat QR @ 53.82 50.57 59.57 60.04
7 UPI QR * 2563.77 2442.34 3170.66 3213.79

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)
2023 2024 2023 2024
December January December January
1. Card Payments 96.24 90.59 7812 7538
1.1 Credit Cards 60.66 56.33 5646 5411
1.1.1 PoS based 23.74 20.91 1780 1626
1.1.2 Online 36.92 35.42 3866 3786
1.2 Debit Cards 35.58 34.26 2165 2126
1.2.1 PoS based 15.54 14.66 744 729
1.2.2 Online 20.04 19.60 1422 1398
2. Prepaid Payment Instruments 28.59 25.11 1157 1111
2.1 PoS based 24.81 21.40 909 827
2.2 Online 3.78 3.71 248 284
3. Cash Withdrawal at ATMs 7.85 6.49 1934 1826
3.1 Using Credit Cards 0.52 0.35 102 62
3.2 Using Debit Cards 5.34 4.38 1113 874
3.3 Using PPIs 1.99 1.75 719 890
Total International Payments 132.68 122.18 10903 10474

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 58505.69 0.199 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.

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