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43. Payment System Indicators
Date : Mar 19, 2021
PART I - Payment System Indicators - Payment & Settlement System Statistics
System Volume (Lakh) Value (₹ Crore)
FY 2019-20 2020 2021 FY 2019-20 2020 2021
Jan. Dec. Jan. Jan. Dec. Jan.
1 2 3 4 5 6 7 8
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems (1.1 to 1.3) 3.01 2.62 2.32 12826782 15757032 15723500
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 1.09 1.00 0.93 8442926 10816866 10875915
1.1.1 Outright 0.66 0.51 0.48 957188 772886 657843
1.1.2 Repo 0.21 0.25 0.22 2999019 4089804 3848935
1.1.3 Tri-party Repo 0.22 0.24 0.24 4486719 5954176 6369137
1.2 Forex Clearing 1.88 1.58 1.35 4083916 4651382 4576570
1.3 Rupee Derivatives @ 0.05 0.04 0.04 299940 288785 271015
B. Payment Systems                
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS (1.1 to 1.2) 137.29 163.48 156.68 9880821 10659120 9170162
1.1 Customer Transactions 135.09 161.72 155.07 8558049 9058136 7854553
1.2 Interbank Transactions 2.20 1.75 1.61 1322772 1600984 1315609
II Retail                
2 Credit Transfers - Retail (2.1 to 2.6) 21194.18 31735.80 31708.13 2454378 3393355 2991919
2.1 AePS (Fund Transfers) @ 0.76 1.03 1.09 37 61 65
2.2 APBS $ 1511.41 1018.90 1224.28 9427 8180 9642
2.3 IMPS 2595.26 3556.93 3465.52 216811 292325 288538
2.4 NACH Cr $ 1431.01 1741.20 1115.03 82398 118309 96624
2.5 NEFT 2605.55 3076.15 2874.93 1929464 2558304 2165869
2.6 UPI @ 13050.19 22341.58 23027.28 216243 416176 431182
2.6.1 of which USSD @ 0.78 0.88 0.92 14 14 15
3 Debit Transfers and Direct Debits (3.1 to 3.3) 812.33 922.53 928.08 73506 81871 78230
3.1 BHIM Aadhaar Pay @ 9.36 8.90 10.29 141 187 214
3.2 NACH Dr $ 777.36 840.43 839.08 73316 81576 77903
3.3 NETC (linked to bank account) @ 25.61 73.21 78.71 49 108 113
4 Card Payments (4.1 to 4.2) 6518.12 5502.88 5459.45 129444 128665 128915
4.1 Credit Cards (4.1.1 to 4.1.2) 2017.27 1737.79 1744.20 66573 63487 64737
4.1.1 PoS based $ 1160.35 914.20 926.09 35124 28961 29409
4.1.2 Others $ 856.92 823.59 818.11 31449 34526 35328
4.2 Debit Cards (4.2.1 to 4.2.2 ) 4500.85 3765.09 3715.25 62871 65178 64178
4.2.1 PoS based $ 2587.38 2165.50 2148.07 38907 39437 39551
4.2.2 Others $ 1913.47 1599.59 1567.18 23964 25741 24626
5 Prepaid Payment Instruments (5.1 to 5.2) 5237.05 4335.04 4386.68 18286 18153 19419
5.1 Wallets 3876.23 3521.48 3499.66 15408 13392 13577
5.2 Cards (5.2.1 to 5.2.2) 1360.82 813.55 887.02 2878 4761 5842
5.2.1 PoS based $ 128.35 42.74 39.51 997 1214 1585
5.2.2 Others $ 1232.47 770.81 847.51 1880 3547 4257
6 Paper-based Instruments (6.1 to 6.2) 887.17 719.40 657.01 662399 618015 551207
6.1 CTS (NPCI Managed) 886.39 719.40 657.01 661741 618015 551207
6.2 Others 0.78 0.00 0.00 658
Total - Retail Payments (2+3+4+5+6) 34648.84 43215.65 43139.35 3338013 4240059 3769690
Total Payments (1+2+3+4+5+6) 34786.12 43379.13 43296.03 13218835 14899180 12939853
Total Digital Payments (1+2+3+4+5) 33898.96 42659.73 42639.02 12556435 14281164 12388646

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2019-20 2020 2021 FY 2019-20 2020 2021
Jan. Dec. Jan. Jan. Dec. Jan.
1 2 3 4 5 6 7 8
A. Other Payment Channels                
1 Mobile Payments (mobile app based) (1.1 to 1.2) 14402.70 25199.49 23199.84 521368 899401 938456
1.1 Intra-bank $ 1304.45 2183.03 2536.27 107648 174603 207982
1.2 Inter-bank $ 13098.24 23016.46 20663.57 413720 724798 730474
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 2749.95 3137.64 3084.97 3162106 4032311 4158231
2.1 Intra-bank @ 612.52 637.64 617.29 1641898 1934396 2184556
2.2 Inter-bank @ 2137.43 2500.00 2467.68 1520208 2097916 1973675
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 6537.04 5680.37 5734.25 295572 266709 267500
3.1 Using Credit Cards $ 8.53 5.01 5.04 399 246 251
3.2 Using Debit Cards $ 6500.08 5650.86 5704.78 294174 265569 266315
3.3 Using Pre-paid Cards $ 28.43 24.51 24.43 999 893 934
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 102.47 39.89 32.29 177 149 136
4.1 Using Debit Cards $ 92.41 34.53 30.45 163 142 134
4.2 Using Pre-paid Cards $ 10.06 5.37 1.84 14 6 2
5 Cash Withrawal at Micro ATMs @ 400.77 715.03 777.16 11109 19671 21700
5.1 AePS @ 400.77 715.03 777.16 11109 19671 21700

PART III - Payment Infrastructures (Lakh)
System FY 2019-20 2020 2021
Jan. Dec. Jan.
  1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 8725.30 9460.57 9491.63
1.1 Credit Cards 561.20 603.97 610.98
1.2 Debit Cards 8164.10 8856.60 8880.65
2 Number of PPIs @ (2.1 to 2.2) 17574.74 20819.05 21212.16
2.1 Wallets @ 16575.31 19156.35 19461.26
2.2 Cards @ 999.43 1662.70 1750.90
3 Number of ATMs (3.1 to 3.2) 2.33 2.33 2.34
3.1 Bank owned ATMs $ 2.10 2.08 2.09
3.2 White Label ATMs $ 0.23 0.25 0.25
4 Number of Micro ATMs @ 2.56 3.56 3.73
5 Number of PoS Terminals 49.47 57.85 60.27
6 Bharat QR @ 17.79 32.00 33.60
7 UPI QR * 752.31 805.89
@: 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.
Part I-A. Settlement systems
1.1.3: Tri- party Repo under the securities segment has been operationalised from November 05, 2018.
Part I-B. Payments systems
4.1.2: ‘Others’ includes e-commerce transactions and digital bill payments through ATMs, etc.
4.2.2: ‘Others’ includes e-commerce transactions, card to card transfers and digital bill payments through ATMs, etc.
5: Available from December 2010.
5.1: includes purchase of goods and services and fund transfer through wallets.
5.2.2: includes usage of PPI Cards for online transactions and other transactions.
6.1: Pertain to three grids – Mumbai, New Delhi and Chennai.
6.2: ‘Others’ comprises of Non-MICR transactions which pertains to clearing houses managed by 21 banks.
Part II-A. Other payment channels
1: Mobile Payments –
o Include transactions done through mobile apps of banks and UPI apps.
o The data from July 2017 includes only individual payments and corporate payments initiated, processed, and authorised using mobile device. Other corporate payments which are not initiated, processed, and authorised using mobile device are excluded.
2: Internet Payments – includes only e-commerce transactions through ‘netbanking’ and any financial transaction using internet banking website of the bank.
Part II-B. ATMs
3.3 and 4.2: only relates to transactions using bank issued PPIs.
Part III. Payment systems infrastructure
3: Includes ATMs deployed by Scheduled Commercial Banks (SCBs) and White Label ATM Operators (WLAOs). WLAs are included from April 2014 onwards.

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