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43. Payment System Indicators
Date : Aug 17, 2021
PART I - Payment System Indicators - Payment & Settlement System Statistics
System Volume (Lakh) Value (₹ Crore)
FY 2020-21 2020 2021 FY 2020-21 2020 2021
Jun. May Jun. Jun. May Jun.
1 2 3 4 5 6 7 8
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems (1.1 to 1.3) 27.97 2.23 2.08 2.90 161943141 13383223 14652880 17144527
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 11.55 1.01 0.89 1.01 110634315 9590341 9966087 11317988
1.1.1 Outright 6.28 0.54 0.47 0.51 10032187 928567 710624 774292
1.1.2 Repo 2.84 0.27 0.23 0.27 43751173 4244619 4280973 4653921
1.1.3 Tri-party Repo 2.43 0.21 0.19 0.23 56850956 4417155 4974490 5889775
1.2 Forex Clearing 16.04 1.19 1.14 1.82 48903961 3658697 4424858 5408999
1.3 Rupee Derivatives @ 0.38 0.02 0.05 0.07 2404865 134185 261935 417541
B. Payment Systems                
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS (1.1 to 1.2) 1591.92 119.68 123.34 154.14 105599849 8651978 8366599 10196989
1.1 Customer Transactions 1573.47 118.09 122.28 152.92 91008367 7641700 7211162 8887546
1.2 Interbank Transactions 18.45 1.59 1.07 1.22 14591482 1010278 1155437 1309444
II Retail                
2 Credit Transfers - Retail (2.1 to 2.6) 317851.82 20341.65 33866.22 36684.40 33522150 2499421 2707637 3029728
2.1 AePS (Fund Transfers) @ 11.32 0.89 0.96 1.06 623 47 59 64
2.2 APBS $ 14372.99 1371.10 1343.10 1148.34 112747 11767 16261 8143
2.3 IMPS 32783.47 1989.12 2798.61 3038.45 2941500 206951 266289 284111
2.4 NACH Cr $ 16449.51 1337.21 1866.34 1498.12 1232714 112236 116463 92266
2.5 NEFT 30927.89 2274.01 2565.39 2923.27 25130910 1906586 1819459 2097771
2.6 UPI @ 223306.64 13369.31 25291.82 28075.16 4103658 261835 489106 547373
2.6.1 of which USSD @ 10.45 0.85 1.01 1.03 172 15 16 16
3 Debit Transfers and Direct Debits (3.1 to 3.3) 10440.40 837.03 936.41 981.70 872399 70703 70589 86759
3.1 BHIM Aadhaar Pay @ 160.84 14.67 17.29 17.66 2580 186 422 417
3.2 NACH Dr $ 9629.61 788.94 857.30 878.73 868906 70492 70069 86215
3.3 NETC (linked to bank account) @ 649.96 33.42 61.82 85.31 913 25 98 128
4 Card Payments (4.1 to 4.2) 57841.30 4250.89 3980.67 4563.57 1293081 90484 96102 114340
4.1 Credit Cards (4.1.1 to 4.1.2) 17641.06 1248.55 1344.73 1547.01 630414 42773 52014 62746
4.1.1 PoS based $ 8688.81 588.58 509.46 690.40 280769 19293 18477 23977
4.1.2 Others $ 8952.25 659.97 835.27 856.61 349645 23479 33537 38769
4.2 Debit Cards (4.2.1 to 4.2.1 ) 40200.24 3002.34 2635.94 3016.56 662667 47711 44088 51594
4.2.1 PoS based $ 20805.24 1475.38 1197.18 1564.91 378044 25788 23019 29293
4.2.2 Others $ 19395.00 1526.95 1438.76 1451.65 284623 21923 21070 22300
5 Prepaid Payment Instruments (5.1 to 5.2) 49392.29 3546.66 3848.74 4586.00 197696 14494 21509 18780
5.1 Wallets 39987.01 2905.67 3180.18 3911.95 152065 12132 14626 16088
5.2 Cards (5.2.1 to 5.2.2) 9405.28 640.98 668.56 674.05 45631 2362 6883 2692
5.2.1 PoS based $ 437.33 35.36 32.74 44.69 11639 710 1303 552
5.2.2 Others $ 8967.95 605.62 635.82 629.36 33992 1652 5580 2140
6 Paper-based Instruments (6.1 to 6.2) 6703.70 496.68 366.69 511.38 5627189 401666 341794 477430
6.1 CTS (NPCI Managed) 6702.53 496.37 366.69 511.38 5625941 401441 341794 477430
6.2 Others 1.17 0.32 1249 225
Total - Retail Payments (2+3+4+5+6) 442229.51 29472.90 42998.73 47327.04 41512515 3076769 3237632 3727036
Total Payments (1+2+3+4+5+6) 443821.43 29592.58 43122.08 47481.18 147112364 11728746 11604231 13924026
Total Digital Payments (1+2+3+4+5) 437117.74 29095.89 42755.39 46969.80 141485174 11327080 11262437 13446596

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2020-21 2020 2021 FY 2020-21 2020 2021
Jun. May Jun. Jun. May Jun.
1 2 3 4 5 6 7 8
A. Other Payment Channels                
1 Mobile Payments (mobile app based) (1.1 to 1.2) 255451.57 16188.00 29734.31 32126.98 9179707 599381 898224 1033422
1.1 Intra-bank $ 25220.35 1423.94 2528.93 2829.58 1871236 118965 174307 196264
1.2 Inter-bank $ 230231.22 14764.06 27205.39 29297.41 7308472 480416 723917 837159
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 32493.63 2431.49 2336.06 2703.44 41581497 3123215 2953188 3468711
2.1 Intra-bank @ 6886.15 533.60 492.39 545.84 20601554 1529247 1290828 1501184
2.2 Inter-bank @ 25607.48 1897.89 1843.67 2157.60 20979943 1593967 1662360 1967527
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 60905.81 4716.58 4169.98 4761.61 2889826 229517 202854 229633
3.1 Using Credit Cards $ 51.41 3.23 3.65 4.31 2560 163 187 219
3.2 Using Debit Cards $ 60602.23 4698.45 4142.63 4735.38 2878025 228734 201978 228681
3.3 Using Pre-paid Cards $ 252.17 14.91 23.69 21.91 9240 620 690 734
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 394.60 29.42 20.81 7.87 1532 116 122 59
4.1 Using Debit Cards $ 353.33 27.82 18.08 7.03 1483 114 102 44
4.2 Using Pre-paid Cards $ 41.27 1.60 2.73 0.84 49 3 19 15
5 Cash Withrawal at Micro ATMs @ 9460.43 990.75 824.36 856.89 225420 19749 24138 24187
5.1 AePS @ 9460.43 990.75 824.36 856.89 225420 19749 24138 24187

PART III - Payment Infrastructures (Lakh)
System As on March 2021 2020 2021
Jun. May Jun.
  1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 9602.51 9027.03 9647.02 9688.24
1.1 Credit Cards 620.49 572.89 623.93 628.15
1.2 Debit Cards 8982.02 8454.14 9023.09 9060.08
2 Number of PPIs @ (2.1 to 2.2) 21952.60 19008.07 22609.29 22947.96
2.1 Wallets @ 20052.10 17553.64 20542.99 20864.68
2.2 Cards @ 1900.51 1454.43 2066.30 2083.28
3 Number of ATMs (3.1 to 3.2) 2.39 2.34 2.40 2.40
3.1 Bank owned ATMs $ 2.14 2.10 2.15 2.14
3.2 White Label ATMs $ 0.25 0.24 0.26 0.26
4 Number of Micro ATMs @ 4.04 2.96 4.25 4.54
5 Number of PoS Terminals 47.20 43.26 45.20 45.93
6 Bharat QR @ 35.70 21.51 48.63 49.33
7 UPI QR * 925.22 981.82 1018.26
@: 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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