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43. Payment System Indicators
Date : Apr 26, 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
Feb. Jan. Feb. Feb. Jan. Feb.
1 2 3 4 5 6 7 8
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems (1.1 to 1.3) 2.80 2.32 2.44 10821111 15723500 15872384
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 1.17 0.93 0.95 6868007 10875915 10901991
1.1.1 Outright 0.82 0.48 0.47 1209395 657843 681845
1.1.2 Repo 0.19 0.22 0.24 2604693 3848935 3678988
1.1.3 Tri-party Repo 0.16 0.24 0.24 3053919 6369137 6541158
1.2 Forex Clearing 1.59 1.35 1.44 3603514 4576570 4629628
1.3 Rupee Derivatives @ 0.04 0.04 0.05 349590 271015 340765
B. Payment Systems                
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS (1.1 to 1.2) 133.15 156.68 157.70 8990097 9170162 9050425
1.1 Customer Transactions 131.07 155.07 156.20 7718135 7854553 7645510
1.2 Interbank Transactions 2.08 1.61 1.50 1271962 1315609 1404916
II Retail                
2 Credit Transfers - Retail (2.1 to 2.6) 20409.50 31708.13 30592.16 2396212 2991919 2936833
2.1 AePS (Fund Transfers) @ 0.74 1.09 0.92 40 65 54
2.2 APBS $ 1400.59 1224.28 835.54 8889 9642 5369
2.3 IMPS 2477.98 3465.52 3189.73 214566 288538 275230
2.4 NACH Cr $ 789.68 1115.03 815.96 79707 96624 78273
2.5 NEFT 2483.57 2874.93 2821.07 1870494 2165869 2152844
2.6 UPI @ 13256.93 23027.28 22928.94 222517 431182 425063
2.6.1 of which USSD @ 0.70 0.92 0.82 12 15 13
3 Debit Transfers and Direct Debits (3.1 to 3.3) 825.70 928.08 861.58 73478 78230 76497
3.1 BHIM Aadhaar Pay @ 9.67 10.29 9.33 149 214 223
3.2 NACH Dr $ 789.31 839.08 781.07 73277 77903 76185
3.3 NETC (linked to bank account) @ 26.72 78.71 71.18 53 113 88
4 Card Payments (4.1 to 4.2) 6128.68 5481.86 5067.32 120708 129240 119582
4.1 Credit Cards (4.1.1 to 4.1.2) 1882.94 1744.20 1613.77 62147 64737 60105
4.1.1 PoS based $ 1072.50 926.09 863.91 33446 29409 27754
4.1.2 Others $ 810.44 818.11 749.87 28701 35328 32350
4.2 Debit Cards (4.2.1 to 4.2.1 ) 4245.74 3737.66 3453.55 58561 64502 59478
4.2.1 PoS based $ 2455.92 2148.07 2013.95 36258 39551 37465
4.2.2 Others $ 1789.83 1589.59 1439.60 22302 24951 22013
5 Prepaid Payment Instruments (5.1 to 5.2) 5026.37 4386.68 4519.80 17296 19419 18274
5.1 Wallets 3782.82 3499.66 3652.79 14461 13577 12742
5.2 Cards (5.2.1 to 5.2.2) 1243.55 887.02 867.00 2836 5842 5532
5.2.1 PoS based $ 115.30 39.51 35.79 1116 1585 1257
5.2.2 Others $ 1128.25 847.51 831.21 1719 4257 4275
6 Paper-based Instruments (6.1 to 6.2) 884.95 657.01 636.07 659458 551207 547109
6.1 CTS (NPCI Managed) 884.58 657.01 636.07 659157 551207 547109
6.2 Others 0.37 0.00 0.00 301
Total - Retail Payments (2+3+4+5+6) 33275.20 43161.77 41676.93 3267153 3770015 3698295
Total Payments (1+2+3+4+5+6) 33408.35 43318.45 41834.63 12257249 12940177 12748721
Total Digital Payments (1+2+3+4+5) 32523.40 42661.44 41198.56 11597791 12388971 12201612

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2019-20 2020 2021 FY 2019-20 2020 2021
Feb. Jan. Feb. Feb. Jan. Feb.
1 2 3 4 5 6 7 8
A. Other Payment Channels                
1 Mobile Payments (mobile app based) (1.1 to 1.2) 14284.28 25943.23 24274.50 525845 1020333 931529
1.1 Intra-bank $ 1304.52 2571.61 2345.81 108332 212336 186602
1.2 Inter-bank $ 12979.75 23371.62 21928.69 417513 807997 744927
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 2837.88 3084.98 2900.22 2881819 4158234 3999196
2.1 Intra-bank @ 630.85 617.29 580.98 1313016 2184556 2076458
2.2 Inter-bank @ 2207.03 2467.69 2319.24 1568803 1973678 1922739
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 6189.11 5842.81 5534.33 283280 271077 259249
3.1 Using Credit Cards $ 7.97 5.04 4.98 379 251 253
3.2 Using Debit Cards $ 6153.17 5813.34 5506.07 281927 269892 258100
3.3 Using Pre-paid Cards $ 27.96 24.43 23.28 974 934 895
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 65.97 32.29 21.79 195 136 117
4.1 Using Debit Cards $ 59.42 30.45 19.81 132 134 114
4.2 Using Pre-paid Cards $ 6.55 1.84 1.98 63 2 3
5 Cash Withdrawal at Micro ATMs @ 386.44 777.16 656.57 11201 21700 18381
5.1 AePS @ 386.44 777.16 656.57 11201 21700 18381

PART III - Payment Infrastructures (Lakh)
System FY 2019-20 2020 2021
Feb. Jan. Feb.
  1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 8801.81 9491.63 9556.49
1.1 Credit Cards 571.58 610.98 616.47
1.2 Debit Cards 8230.23 8880.65 8940.02
2 Number of PPIs @ (2.1 to 2.2) 18000.38 21212.16 21556.23
2.1 Wallets @ 16809.60 19461.26 19733.68
2.2 Cards @ 1190.78 1750.90 1822.56
3 Number of ATMs (3.1 to 3.2) 2.34 2.34 2.35
3.1 Bank owned ATMs $ 2.11 2.09 2.10
3.2 White Label ATMs $ 0.23 0.25 0.25
4 Number of Micro ATMs @ 2.64 3.73 3.73
5 Number of PoS Terminals 50.99 60.27 58.15
6 Bharat QR @ 18.96 33.60 34.92
7 UPI QR * 805.89 875.86
@: 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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