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43. Payment System Indicators
Date : Dec 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
Oct. Sep. Oct. Oct. Sep. Oct.
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 2.44 3.21 2.85 161943141 12416671 16683094 16600978
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 11.55 1.06 1.37 1.04 110634315 8849617 11404584 11415739
1.1.1 Outright 6.28 0.61 0.90 0.55 10032187 900488 1127485 745937
1.1.2 Repo 2.84 0.27 0.25 0.25 43751173 4108317 3885956 3822009
1.1.3 Tri-party Repo 2.43 0.18 0.22 0.23 56850956 3840812 6391143 6847793
1.2 Forex Clearing 16.04 1.36 1.77 1.73 48903961 3435633 4826170 4736040
1.3 Rupee Derivatives @ 0.38 0.02 0.07 0.08 2404865 131420 452340 449200
B. Payment Systems                
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS (1.1 to 1.2) 1591.92 138.22 174.57 184.11 105599849 8496046 11069631 10134368
1.1 Customer Transactions 1573.47 136.54 173.33 182.90 91008367 7226105 9838858 8956918
1.2 Interbank Transactions 18.45 1.68 1.24 1.22 14591482 1269941 1230773 1177450
II Retail                
2 Credit Transfers - Retail (2.1 to 2.6) 317867.74 28646.32 45720.72 52919.52 33504226 2993166 3495969 3748602
2.1 AePS (Fund Transfers) @ 11.31 1.02 0.98 0.86 623 57 57 49
2.2 APBS $ 14372.99 961.85 781.62 1192.91 111001 5531 6199 7519
2.3 IMPS 32783.47 3189.72 3848.84 4306.71 2941500 274645 324096 370712
2.4 NACH Cr $ 16465.44 1015.89 1171.57 1660.26 1216535 91438 91281 122519
2.5 NEFT 30927.89 2761.65 3359.54 3574.46 25130910 2235389 2419688 2476397
2.6 UPI @ 223306.64 20716.19 36558.17 42184.32 4103658 386107 654648 771407
2.6.1 of which USSD @ 10.45 0.97 1.14 1.11 172 16 16 16
3 Debit Transfers and Direct Debits (3.1 to 3.3) 10456.54 920.15 987.44 979.36 865520 79305 84660 85776
3.1 BHIM Aadhaar Pay @ 160.84 10.55 19.39 21.49 2580 192 440 560
3.2 NACH Dr $ 9645.75 848.34 878.31 865.69 862027 79022 84068 85103
3.3 NETC (linked to bank account) @ 649.96 61.26 89.74 92.18 913 91 152 114
4 Card Payments (4.1 to 4.2) 57786.60 5650.70 5337.50 6008.76 1291799 133792 142817 177413
4.1 Credit Cards (4.1.1 to 4.1.2) 17641.06 1718.03 1847.21 2155.81 630414 64652 80228 100943
4.1.1 PoS based $ 8688.81 818.33 961.53 1075.23 280769 26956 31743 38442
4.1.2 Others $ 8952.25 899.70 885.68 1080.58 349645 37696 48485 62500
4.2 Debit Cards (4.2.1 to 4.2.1) 40145.54 3932.66 3490.29 3852.95 661385 69141 62589 76471
4.2.1 PoS based $ 20773.50 1983.98 2053.00 2302.56 377630 37110 38591 47226
4.2.2 Others $ 19372.04 1948.68 1437.29 1550.39 283755 32031 23998 29245
5 Prepaid Payment Instruments (5.1 to 5.2) 49742.55 4623.12 4934.60 6131.06 197696 17802 30273 26372
5.1 Wallets 39987.01 3639.89 3884.65 4888.97 152065 13718 25645 21702
5.2 Cards (5.2.1 to 5.2.2) 9755.54 983.23 1049.96 1242.09 45631 4084 4628 4670
5.2.1 PoS based $ 607.15 50.99 94.43 64.58 10591 947 825 998
5.2.2 Others $ 9148.39 932.24 955.52 1177.51 35040 3136 3803 3672
6 Paper-based Instruments (6.1 to 6.2) 6703.70 643.08 624.10 635.20 5627108 524090 566468 582604
6.1 CTS (NPCI Managed) 6702.54 643.08 624.10 635.20 5625859 524090 566468 582604
6.2 Others 1.17 1249
Total - Retail Payments (2+3+4+5+6) 442557.14 40483.36 57604.36 66673.91 41486348 3748156 4320187 4620768
Total Payments (1+2+3+4+5+6) 444149.06 40621.58 57778.93 66858.02 147086197 12244202 15389818 14755136
Total Digital Payments (1+2+3+4+5) 437445.36 39978.50 57154.83 66222.82 141459089 11720112 14823351 14172532

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2020-21 2020 2021 FY 2020-21 2020 2021
Oct. Sep. Oct. Oct. Sep. Oct.
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 22801.51 39989.49 44750.88 9201212 798327 1178882 1344959
1.1 Intra-bank $ 25220.71 2103.09 3358.50 3761.37 1871390 158841 218049 243704
1.2 Inter-bank $ 232812.99 20698.41 36630.99 40989.51 7329822 639486 960832 1101254
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 32493.63 2977.78 3187.18 3233.71 41581497 3407315 4003452 3960872
2.1 Intra-bank @ 6886.15 619.27 598.49 631.51 20601554 1646090 1795714 1723311
2.2 Inter-bank @ 25607.48 2358.51 2588.68 2602.20 20979943 1761225 2207737 2237561
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 60905.81 5660.71 5545.36 6037.78 2889826 268881 257964 289913
3.1 Using Credit Cards $ 51.41 4.85 4.98 5.64 2560 240 249 286
3.2 Using Debit Cards $ 60602.23 5630.83 5512.90 6002.43 2878025 267747 256767 288605
3.3 Using Pre-paid Cards $ 252.17 25.04 27.48 29.71 9240 893 948 1022
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 394.77 34.11 5.37 4.79 1533 134 46 45
4.1 Using Debit Cards $ 353.50 29.24 5.08 4.44 1484 129 40 39
4.2 Using Pre-paid Cards $ 41.27 4.87 0.29 0.35 49 5 6 6
5 Cash Withrawal at Micro ATMs @ 9460.43 720.69 888.88 946.33 225420 18354 22793 24799
5.1 AePS @ 9460.43 720.69 888.88 946.33 225420 18354 22793 24799

PART III - Payment Infrastructures (Lakh)
System As on March 2021 2020 2021
Oct. Sep. Oct.
  1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 9602.51 9335.85 9853.28 10004.07
1.1 Credit Cards 620.49 594.20 650.25 663.61
1.2 Debit Cards 8982.02 8741.65 9203.03 9340.46
2 Number of PPIs @ (2.1 to 2.2) 21952.60 20143.54 22461.77 25307.71
2.1 Wallets @ 20052.10 18578.63 20203.10 22886.70
2.2 Cards @ 1900.51 1564.92 2258.68 2421.01
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 2.13 2.13
3.2 White Label ATMs $ 0.25 0.24 0.28 0.28
4 Number of Micro ATMs @ 4.04 3.49 5.13 5.34
5 Number of PoS Terminals 47.20 45.81 49.77 51.55
6 Bharat QR @ 35.70 26.05 52.85 45.59
7 UPI QR * 925.22 657.45 1196.08 1283.81
@: 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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