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43. Payment System Indicators
Date : Jan 17, 2022
PART I - Payment System Indicators - Payment & Settlement System Statistics
System Volume (Lakh) Value (₹ Crore)
FY 2020-21 2020 2021 FY 2020-21 2020 2021
Nov. Oct. Nov. Nov. Oct. Nov.
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 2.45 2.85 2.56 161943141 10692192 16600978 17364381
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 11.55 0.79 1.04 0.97 110634315 6942678 11415739 12229072
1.1.1 Outright 6.28 0.48 0.55 0.46 10032187 727023 745937 617831
1.1.2 Repo 2.84 0.12 0.25 0.26 43751173 1762647 3822009 4273958
1.1.3 Tri-party Repo 2.43 0.19 0.23 0.25 56850956 4453008 6847793 7337283
1.2 Forex Clearing 16.04 1.64 1.73 1.53 48903961 3625849 4736040 4816873
1.3 Rupee Derivatives @ 0.38 0.02 0.08 0.06 2404865 123665 449200 318437
B. Payment Systems                
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS (1.1 to 1.2) 1591.92 137.80 184.11 172.14 105599849 7987655 10134368 10981778
1.1 Customer Transactions 1573.47 136.13 182.90 170.95 91008367 6802206 8956918 9589985
1.2 Interbank Transactions 18.45 1.67 1.22 1.19 14591482 1185449 1177450 1391793
II Retail                
2 Credit Transfers - Retail (2.1 to 2.6) 317867.59 30269.97 52919.52 51855.52 33504168 2986234 3748602 3552986
2.1 AePS (Fund Transfers) @ 11.31 0.93 0.86 0.62 623 54 49 35
2.2 APBS $ 14372.99 927.29 1192.91 1119.16 111001 4400 7519 9750
2.3 IMPS 32783.47 3391.14 4306.71 4120.29 2941500 276459 370712 364672
2.4 NACH Cr $ 16465.29 1114.23 1660.26 1356.65 1216477 96069 122519 95602
2.5 NEFT 30927.89 2734.10 3574.46 3394.00 25130910 2218252 2476397 2314490
2.6 UPI @ 223306.64 22102.28 42184.32 41864.80 4103658 390999 771407 768436
2.6.1 of which USSD @ 10.45 0.91 1.11 1.00 172 15 16 15
3 Debit Transfers and Direct Debits (3.1 to 3.3) 10456.54 944.24 979.36 1031.91 865520 78709 85776 87212
3.1 BHIM Aadhaar Pay @ 160.84 9.39 21.49 19.78 2580 181 560 536
3.2 NACH Dr $ 9645.75 869.63 865.69 900.10 862027 78433 85103 86517
3.3 NETC (linked to bank account) @ 649.96 65.22 92.18 112.03 913 96 114 158
4 Card Payments (4.1 to 4.2) 57786.60 5428.32 6008.76 5418.21 1291799 130239 177413 156325
4.1 Credit Cards (4.1.1 to 4.1.2) 17641.06 1662.58 2155.81 2011.16 630414 62350 100943 89217
4.1.1 PoS based $ 8688.81 874.82 1075.23 1068.93 280769 30495 38442 37499
4.1.2 Others $ 8952.25 787.76 1080.58 942.23 349645 31855 62500 51718
4.2 Debit Cards (4.2.1 to 4.2.1 ) 40145.54 3765.75 3852.95 3407.05 661385 67889 76471 67109
4.2.1 PoS based $ 20773.50 2112.56 2302.56 2111.98 377630 42289 47226 43750
4.2.2 Others $ 19372.04 1653.18 1550.39 1295.07 283755 25600 29245 23358
5 Prepaid Payment Instruments (5.1 to 5.2) 49742.55 4226.72 6131.06 6107.21 197696 16712 26372 25583
5.1 Wallets 39987.01 3421.15 4888.97 4871.05 152065 12724 21702 21057
5.2 Cards (5.2.1 to 5.2.2) 9755.54 805.58 1242.09 1236.16 45631 3987 4670 4526
5.2.1 PoS based $ 607.15 53.62 64.58 74.48 10690 1111 998 1287
5.2.2 Others $ 9148.39 751.96 1177.51 1161.68 34941 2877 3672 3240
6 Paper-based Instruments (6.1 to 6.2) 6703.70 596.35 635.20 577.00 5627190 494383 582604 533223
6.1 CTS (NPCI Managed) 6702.54 596.35 635.20 577.00 5625941 494383 582604 533223
6.2 Others 1.17 1249
Total - Retail Payments (2+3+4+5+6) 442557.14 41465.61 66673.91 64989.85 41486430 3706276 4620768 4355329
Total Payments (1+2+3+4+5+6) 444149.06 41603.41 66858.02 65161.98 147086278 11693931 14755136 15337107
Total Digital Payments (1+2+3+4+5) 437445.36 41007.06 66222.82 64584.98 141459089 11199549 14172532 14803884

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2020-21 2020 2021 FY 2020-21 2020 2021
Nov. Oct. Nov. Nov. Oct. Nov.
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 24288.77 45884.23 45045.78 9201212 822100 1353833 1306948
1.1 Intra-bank $ 25220.71 2191.98 3761.38 3230.26 1871390 165155 243728 222891
1.2 Inter-bank $ 232812.99 22096.79 42122.85 41815.52 7329822 656945 1110105 1084057
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 32493.63 2814.17 3233.71 2860.67 41581497 3419474 3960872 3937877
2.1 Intra-bank @ 6886.15 585.09 631.51 570.26 20601554 1653359 1723311 1788978
2.2 Inter-bank @ 25607.48 2229.09 2602.20 2290.41 20979943 1766114 2237561 2148899
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 60905.81 5887.86 6037.14 5690.35 2889826 277940 289888 271685
3.1 Using Credit Cards $ 51.41 4.64 5.64 5.45 2560 231 286 276
3.2 Using Debit Cards $ 60602.23 5857.58 6002.43 5656.45 2878025 276797 288605 270470
3.3 Using Pre-paid Cards $ 252.17 25.63 29.07 28.44 9240 912 997 939
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 394.77 37.91 5.34 4.82 1533 143 64 63
4.1 Using Debit Cards $ 353.50 32.33 4.44 4.14 1484 137 39 39
4.2 Using Pre-paid Cards $ 41.27 5.58 0.90 0.68 49 6 25 24
5 Cash Withrawal at Micro ATMs @ 9460.43 684.78 946.33 925.63 225420 18820 24799 25112
5.1 AePS @ 9460.43 684.78 946.33 925.63 225420 18820 24799 25112

PART III - Payment Infrastructures (Lakh)
System As on March 2021 2020 2021
Nov. Oct. Nov.
1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 9602.51 9528.15 9991.94 10015.90
1.1 Credit Cards 620.49 601.13 663.61 675.83
1.2 Debit Cards 8982.02 8927.02 9328.34 9340.07
2 Number of PPIs @ (2.1 to 2.2) 21952.60 20443.15 25307.71 25421.67
2.1 Wallets @ 20052.10 18857.67 22886.70 22911.53
2.2 Cards @ 1900.51 1585.48 2421.01 2510.13
3 Number of ATMs (3.1 to 3.2) 2.39 2.34 2.41 2.42
3.1 Bank owned ATMs $ 2.14 2.09 2.13 2.13
3.2 White Label ATMs $ 0.25 0.25 0.28 0.29
4 Number of Micro ATMs @ 4.04 3.57 5.34 5.57
5 Number of PoS Terminals 47.20 45.77 51.55 52.92
6 Bharat QR @ 35.70 30.46 44.35 45.41
7 UPI QR * 925.22 697.82 1285.05 1373.33

@: 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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