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Payment System Indicators

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Payment System Indicators - July 2024
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2023-24 2023
July		 2024 2024 FY 2023-24 2023
July		 2024 2024
June July June July
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 43.04 3.83 4.36 4.54 259206893 21113033 22580094 25280807
1.1 Govt. Securities Clearing 16.80 1.53 1.60 1.71 170464587 14338395 15107943 17139102
1.1.1 Outright 9.51 0.87 0.97 1.03 13463848 1200245 1372786 1524120
1.1.2 Repo 4.94 0.46 0.42 0.44 76718788 6722022 6414226 7150905
1.1.3 Tri-party Repo 2.35 0.20 0.21 0.23 80281951 6416128 7320931 8464077
1.2 Forex Clearing 24.92 2.17 2.67 2.71 80984671 5937050 6953169 7417106
1.3 Rupee Derivatives @ 1.31 0.13 0.09 0.12 7757636 837588 518982 724598
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 2700.16 211.89 231.84 246.68 170886670 13124561 16037694 15970680
1.1 Customer Transactions 2686.04 210.72 230.72 245.48 152406168 11615417 14570686 14531533
1.2 Interbank Transactions 14.12 1.17 1.12 1.19 18480503 1509144 1467008 1439147
II Retail                
2 Credit Transfers - Retail 1486106.89 114189.63 155567.02 161225.51 67542859 5250943 6073917 6480748
2.1 AePS (Fund Transfers) @ 3.92 0.32 0.30 0.31 261 22 16 13
2.2 APBS $ 25888.17 2850.05 2929.34 2481.39 390743 45524 43676 28605
2.3 IMPS 60053.35 4897.10 5167.51 4902.84 6495652 512312 577794 593177
2.4 NACH Cr $ 16227.27 1322.80 1311.11 1479.29 1525104 110184 113888 132397
2.5 NEFT 72639.50 5476.79 7307.34 8006.14 39136014 3049364 3331461 3662264
2.6 UPI @ 1311294.68 99642.56 138851.42 144355.54 19995086 1533536 2007081 2064292
2.6.1 of which USSD @ 26.19 2.77 1.41 1.40 352 43 15 15
3 Debit Transfers and Direct Debits 18249.53 1473.10 1697.73 1734.76 1687658 130931 171469 175789
3.1 BHIM Aadhaar Pay @ 193.59 14.42 21.07 19.25 6112 457 581 575
3.2 NACH Dr $ 16426.49 1327.06 1544.59 1588.11 1678769 130240 170756 175014
3.3 NETC (linked to bank account) @ 1629.45 131.62 132.07 127.40 2777 233 132 200
4 Card Payments 58469.79 4882.21 5003.43 5294.35 2423563 198421 200081 217435
4.1 Credit Cards 35610.15 2780.90 3579.49 3837.80 1831134 145108 158822 172670
4.1.1 PoS based $ 18614.08 1434.21 1895.40 1970.94 651911 49789 59417 62284
4.1.2 Others $ 16996.08 1346.69 1684.10 1866.86 1179223 95319 99405 110386
4.2 Debit Cards 22859.64 2101.31 1423.94 1456.56 592429 53313 41259 44765
4.2.1 PoS based $ 16477.95 1485.21 1063.60 1068.60 393589 33513 27630 28600
4.2.2 Others $ 6381.69 616.10 360.33 387.96 198840 19801 13629 16165
5 Prepaid Payment Instruments 78775.40 6393.08 5236.08 5356.71 283048 23238 15897 16327
5.1 Wallets 63256.69 5068.53 4038.05 4009.69 234353 19736 11298 11386
5.2 Cards 15518.71 1324.55 1198.03 1347.01 48695 3502 4599 4941
5.2.1 PoS based $ 8429.87 714.15 650.89 713.97 11247 775 946 940
5.2.2 Others  $ 7088.84 610.40 547.14 633.05 37447 2727 3653 4001
6 Paper-based Instruments 6632.10 555.48 484.42 531.00 7212333 587310 553834 610685
6.1 CTS (NPCI Managed) 6632.10 555.48 484.42 531.00 7212333 587310 553834 610685
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) 1648233.71 127493.51 167988.69 174142.33 79149461 6190842 7015198 7500984
Total Payments (1+2+3+4+5+6) 1650933.88 127705.40 168220.52 174389.01 250036131 19315404 23052892 23471665
Total Digital Payments (1+2+3+4+5) 1644301.78 127149.92 167736.10 173858.01 242823799 18728094 22499058 22860979

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2023-24 2023
July		 2024 2024 FY 2023-24 2023
July		 2024 2024
June July June July
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 1252599.21 93340.31 134138.30 139896.47 30687088 2316954 3062709 3175645
1.1 Intra-bank $ 83000.56 6400.03 9156.28 9299.86 5676805 428279 571044 599267
1.2 Inter-bank $ 1169598.65 86940.28 124982.02 130596.61 25010283 1888674 2491666 2576378
2 Internet Payments (Netbanking / internet browser based) @ 45034.98 3938.95 3717.20 4236.74 102117736 8157864 9505759 9894263
2.1 Intra-bank @ 12033.28 1107.74 1026.53 1225.09 53247042 4353820 4873274 5064291
2.2 Inter-bank @ 33001.71 2831.21 2690.67 3011.65 48870694 3804045 4632484 4829973
B. ATMs                
3. Cash Withdrawal at ATMs $ 66440.72 5590.96 5076.57 5069.38 3259388 269298 255229 250318
3.1 Using Credit Cards $ 95.80 7.58 8.29 8.54 4648 357 426 433
3.2 Using Debit Cards $ 66001.01 5553.98 5045.81 5040.14 3241538 267870 253844 248968
3.3 Using Pre-paid Cards $ 343.90 29.39 22.47 20.70 13202 1071 959 917
4. Cash Withdrawal at PoS $ 15.18 2.23 0.28 0.29 148 22 3 3
4.1 Using Debit Cards $ 15.06 2.23 0.27 0.27 147 22 3 3
4.2 Using Pre-paid Cards $ 0.12 0.01 0.02 0.02 1 0 0 0
5. Cash Withdrawal at Micro ATMs @ 11754.95 1078.92 973.79 944.29 314003 28950 24426 23498
5.1 AePS @ 11754.95 1078.92 973.79 944.29 314003 28950 24426 23498

PART III - Payment Infrastructures (lakh)
  As on March 2024 2023
July		 2024 2024
June July
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 10667.22 10606.14 10835.23 10850.30
1.1 Credit Cards 1018.03 898.73 1038.13 1045.68
1.2 Debit Cards 9649.19 9707.41 9797.10 9804.62
2 Number of PPIs @ 16743.63 16646.89 15051.30 15211.55
2.1 Wallets @ 13381.80 13678.38 11375.61 11419.62
2.2 Cards @ 3361.82 2968.51 3675.69 3791.93
3 Number of ATMs and CRMs 2.58 2.57 2.56 2.55
3.1 Bank owned ATMs$ and CRMs# 2.23 2.21 2.21 2.21
3.2 White Label ATMs $ 0.35 0.36 0.35 0.34
4 Number of Micro ATMs @ 17.55 15.37 15.18 14.71
5 Number of PoS Terminals 89.03 81.23 89.67 89.72
6 Bharat QR @ 62.50 58.06 61.64 61.87
7 UPI QR * 3434.93 2807.25 3230.03 3286.40

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)
2024 2024 2024 2024
June July June July
1. Card Payments 116.45 108.08 9547 8869
1.1 Credit Cards 77.19 69.57 7222 6459
1.1.1 PoS based 35.17 27.99 2695 2089
1.1.2 Online 42.02 41.57 4527 4370
1.2 Debit Cards 39.26 38.51 2325 2411
1.2.1 PoS based 18.87 16.61 955 867
1.2.2 Online 20.39 21.90 1370 1544
2. Prepaid Payment Instruments 38.97 31.82 1691 1338
2.1 PoS based 34.81 27.93 1434 1090
2.2 Online 4.16 3.89 258 247
3. Cash Withdrawal at ATMs 6.71 5.98 1711 1581
3.1 Using Credit Cards 0.48 0.46 99 96
3.2 Using Debit Cards 4.21 3.68 872 811
3.3 Using PPIs 2.01 1.84 740 673
Total International Payments 162.13 145.88 12949 11788

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 56335.82 0.207 bps
February 2024 2.57 507 61162.60 0.231 bps
March 2024 2.57 471 67394.38 0.177 bps
April 2024 2.38 414 70681.81 0.191 bps
May 2024 2.81 545 62637.44 0.240 bps
June 2024 2.36 480 73786.50 0.206 bps
July 2024 2.54 462 71157.30 0.194 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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