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43. Payment System Indicators
Date : Nov 15, 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
Sep. Aug. Sep. Sep. Aug. Sep.
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 2.70 2.51 3.21 161943141 13397758 15362952 16683094
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 11.55 1.08 0.96 1.37 110634315 9021412 10388877 11404584
1.1.1 Outright 6.28 0.61 0.50 0.90 10032187 881023 730532 1127485
1.1.2 Repo 2.84 0.29 0.24 0.25 43751173 4115039 3479766 3885956
1.1.3 Tri-party Repo 2.43 0.19 0.22 0.22 56850956 4025350 6178579 6391143
1.2 Forex Clearing 16.04 1.60 1.48 1.77 48903961 4238877 4599545 4826170
1.3 Rupee Derivatives @ 0.38 0.03 0.06 0.07 2404865 137470 374530 452340
B. Payment Systems                
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS (1.1 to 1.2) 1591.92 130.11 166.52 174.57 105599849 9489066 10164296 11069631
1.1 Customer Transactions 1573.47 128.49 165.34 173.33 91008367 7993814 8940380 9838858
1.2 Interbank Transactions 18.45 1.61 1.18 1.24 14591482 1495252 1223916 1230773
II Retail                
2 Credit Transfers - Retail (2.1 to 2.6) 317851.82 25506.62 45370.66 45720.72 33522150 2817678 3277624 3495969
2.1 AePS (Fund Transfers) @ 11.32 0.96 1.05 0.98 623 51 61 57
2.2 APBS $ 14372.99 1059.85 722.32 781.62 112747 6243 10305 6199
2.3 IMPS 32783.47 2796.08 3797.12 3848.84 2941500 248662 320203 324096
2.4 NACH Cr $ 16449.51 1179.79 2075.99 1171.57 1232714 68176 98119 91281
2.5 NEFT 30927.89 2468.27 3218.73 3359.54 25130910 2165515 2209818 2419688
2.6 UPI @ 223306.64 18001.67 35555.45 36558.17 4103658 329032 639117 654648
2.6.1 of which USSD @ 10.45 0.89 1.14 1.14 172 14 17 16
3 Debit Transfers and Direct Debits (3.1 to 3.3) 10440.40 926.42 1008.32 987.44 872399 78240 85436 84660
3.1 BHIM Aadhaar Pay @ 160.84 15.28 21.99 19.39 2580 205 462 440
3.2 NACH Dr $ 9629.61 857.43 876.81 878.31 868906 77958 84818 84068
3.3 NETC (linked to bank account) @ 649.96 53.71 109.52 89.74 913 77 155 152
4 Card Payments (4.1 to 4.2) 57786.60 4994.52 5493.00 5337.50 1291799 106500 142600 142817
4.1 Credit Cards (4.1.1 to 4.1.2) 17641.06 1486.71 1904.71 1847.21 630414 51134 77733 80228
4.1.1 PoS based $ 8688.81 713.37 984.62 961.53 280769 21986 32969 31743
4.1.2 Others $ 8952.25 773.33 920.08 885.68 349645 29148 44764 48485
4.2 Debit Cards (4.2.1 to 4.2.1 ) 40145.54 3507.81 3588.29 3490.29 661385 55366 64867 62589
4.2.1 PoS based $ 20773.50 1758.83 2119.63 2053.00 377630 30422 41177 38591
4.2.2 Others $ 19372.04 1748.98 1468.66 1437.29 283755 24944 23690 23998
5 Prepaid Payment Instruments (5.1 to 5.2) 49742.55 4653.54 5259.99 4934.60 197696 16683 22670 30273
5.1 Wallets 39987.01 3616.58 4227.08 3884.65 152065 13258 17745 25645
5.2 Cards (5.2.1 to 5.2.2) 9755.54 1036.96 1032.91 1049.96 45631 3425 4925 4628
5.2.1 PoS based $ 787.59 60.08 132.27 133.71 11639 910 1110 995
5.2.2 Others $ 8967.95 976.87 900.63 916.25 33992 2515 3815 3634
6 Paper-based Instruments (6.1 to 6.2) 6703.70 612.71 588.62 624.10 5627189 485243 533903 566468
6.1 CTS (NPCI Managed) 6702.53 612.63 588.62 624.10 5625941 485114 533903 566468
6.2 Others 1.17 0.08 1249 128
Total - Retail Payments (2+3+4+5+6) 442525.07 36693.80 57720.58 57604.36 41511233 3504344 4062232 4320187
Total Payments (1+2+3+4+5+6) 444116.99 36823.90 57887.11 57778.93 147111082 12993410 14226528 15389818
Total Digital Payments (1+2+3+4+5) 437413.29 36211.20 57298.49 57154.83 141483892 12508167 13692625 14823351

PART II - Payment Modes and Channels
System Volume (Lakh) Volume (₹ Crore)
FY 2020-21 2020 2021 FY 2020-21 2020 2021
Sep. Aug. Sep. Sep. Aug. Sep.
1 2 3 4 5 6 7 8
A. Other Payment Channels                
1 Mobile Payments (mobile app based) (1.1 to 1.2) 258033.70 20994.76 39029.40 46858.26 9201212 705945 1136503 1233089
1.1 Intra-bank $ 25220.71 1907.83 3244.29 5175.00 1871390 145416 201774 274653
1.2 Inter-bank $ 232812.99 19086.93 35785.12 41683.26 7329822 560529 934729 958435
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 32493.63 2822.04 3134.32 3187.18 41581497 3436124 3688425 4003452
2.1 Intra-bank @ 6886.15 594.83 603.29 598.49 20601554 1678942 1636328 1795714
2.2 Inter-bank @ 25607.48 2227.20 2531.03 2588.68 20979943 1757182 2052097 2207737
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 60905.81 5069.39 5688.71 5545.36 2889826 241223 262881 257964
3.1 Using Credit Cards $ 51.41 4.36 5.02 4.98 2560 217 248 249
3.2 Using Debit Cards $ 60602.23 5042.50 5656.34 5512.90 2878025 240205 261683 256767
3.3 Using Pre-paid Cards $ 252.17 22.53 27.35 27.48 9240 801 949 948
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 394.77 33.62 6.62 5.37 1533 123 70 46
4.1 Using Debit Cards $ 353.50 29.39 5.50 5.08 1484 118 42 40
4.2 Using Pre-paid Cards $ 41.27 4.23 1.12 0.29 49 5 28 6
5 Cash Withrawal at Micro ATMs @ 9460.43 717.65 1061.82 888.88 225420 17096 26830 22793
5.1 AePS @ 9460.43 717.65 1061.82 888.88 225420 17096 26830 22793

PART III - Payment Infrastructures (Lakh)
System As on March 2021 2020 2021
Sep. Aug. Sep.
1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 9602.51 9241.29 9777.46 9853.28
1.1 Credit Cards 620.49 586.94 639.34 650.25
1.2 Debit Cards 8982.02 8654.35 9138.11 9203.03
2 Number of PPIs @ (2.1 to 2.2) 21952.60 19960.47 24099.33 22461.77
2.1 Wallets @ 20052.10 18287.99 21927.39 20203.10
2.2 Cards @ 1900.51 1672.48 2171.94 2258.68
3 Number of ATMs (3.1 to 3.2) 2.39 2.34 2.41 2.41
3.1 Bank owned ATMs $ 2.14 2.10 2.14 2.13
3.2 White Label ATMs $ 0.25 0.24 0.27 0.28
4 Number of Micro ATMs @ 4.04 3.28 4.94 5.13
5 Number of PoS Terminals 47.20 44.23 48.16 49.77
6 Bharat QR @ 35.70 22.99 52.47 52.85
7 UPI QR * 925.22 604.07 1133.11 1196.08
@: 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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