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43. Payment System Indicators
Date : Apr 18, 2022
PART I - Payment System Indicators - Payment & Settlement System Statistics
System Volume (Lakh) Value (₹ Crore)
FY 2020-21 2021 2022 FY 2020-21 2021 2022
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) 27.97 2.44 2.54 2.92 161943141 15872384 17839802 17994586
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 11.55 0.95 0.93 1.10 110634315 10901991 12892869 12914111
1.1.1 Outright 6.28 0.47 0.40 0.58 10032187 681845 569722 721038
1.1.2 Repo 2.84 0.24 0.26 0.25 43751173 3678988 4348558 4221392
1.1.3 Tri-party Repo 2.43 0.24 0.28 0.27 56850956 6541158 7974589 7971681
1.2 Forex Clearing 16.04 1.44 1.52 1.73 48903961 4629628 4470518 4540145
1.3 Rupee Derivatives @ 0.38 0.05 0.09 0.10 2404865 340765 476415 540330
B. Payment Systems                
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS (1.1 to 1.2) 1591.92 157.70 181.29 180.29 105599849 9050425 10449109 10324618
1.1 Customer Transactions 1573.47 156.20 180.08 179.15 91008367 7645510 9285159 9277356
1.2 Interbank Transactions 18.45 1.50 1.21 1.13 14591482 1404916 1163950 1047262
II Retail                
2 Credit Transfers - Retail (2.1 to 2.6) 317867.74 30607.09 57362.63 55283.72 33504226 2919321 3803991 3806375
2.1 AePS (Fund Transfers) @ 11.31 0.92 0.55 0.51 623 54 29 28
2.2 APBS $ 14372.99 835.54 1106.32 629.87 111001 4766 18048 13043
2.3 IMPS 32783.47 3189.73 4401.73 4209.31 2941500 275230 387007 384404
2.4 NACH Cr $ 16465.44 830.89 2053.44 1536.56 1216535 61364 124228 104998
2.5 NEFT 30927.89 2821.07 3629.03 3632.58 25130910 2152844 2442686 2477059
2.6 UPI @ 223306.64 22928.94 46171.56 45274.89 4103658 425063 831993 826843
2.6.1 of which USSD @ 10.45 0.82 0.81 0.68 172 13 11 10
3 Debit Transfers and Direct Debits (3.1 to 3.3) 10456.54 861.94 1059.01 1089.30 865520 68323 91554 90746
3.1 BHIM Aadhaar Pay @ 160.84 9.33 24.47 15.23 2580 223 728 506
3.2 NACH Dr $ 9645.75 781.43 934.07 948.20 862027 68011 90703 90056
3.3 NETC (linked to bank account) @ 649.96 71.18 100.47 125.87 913 88 123 184
4 Card Payments (4.1 to 4.2) 57786.60 5059.24 5151.05 4840.43 1291799 119331 147794 143106
4.1 Credit Cards (4.1.1 to 4.1.2) 17641.06 1613.77 1958.05 1884.24 630414 60105 87769 86041
4.1.1 PoS based $ 8688.81 863.91 960.63 963.40 280769 27754 32735 32500
4.1.2 Others $ 8952.25 749.87 997.43 920.84 349645 32350 55034 53541
4.2 Debit Cards (4.2.1 to 4.2.1 ) 40145.54 3445.46 3193.00 2956.19 661385 59227 60025 57065
4.2.1 PoS based $ 20773.50 2008.87 1924.51 1845.45 377630 37414 37274 36376
4.2.2 Others $ 19372.04 1436.60 1268.48 1110.75 283755 21813 22752 20689
5 Prepaid Payment Instruments (5.1 to 5.2) 49742.55 4560.42 5865.60 5626.89 197696 18274 26105 24649
5.1 Wallets 39987.01 3652.79 4613.76 4386.09 152065 12742 19789 17259
5.2 Cards (5.2.1 to 5.2.2) 9755.54 907.63 1251.85 1240.79 45631 5532 6316 7390
5.2.1 PoS based $ 607.15 58.80 114.11 126.61 10591 1117 2307 3360
5.2.2 Others $ 9148.39 848.83 1137.73 1114.18 35040 4415 4009 4030
6 Paper-based Instruments (6.1 to 6.2) 6703.70 636.07 596.99 581.98 5627190 547109 557721 615321
6.1 CTS (NPCI Managed) 6702.54 636.07 596.99 581.98 5625941 547109 557721 615321
6.2 Others 1.17 1249
Total - Retail Payments (2+3+4+5+6) 442557.14 41724.77 70035.28 67422.32 41486430 3672358 4627165 4680197
Total Payments (1+2+3+4+5+6) 444149.06 41882.46 70216.58 67602.60 147086278 12722783 15076275 15004815
Total Digital Payments (1+2+3+4+5) 437445.36 41246.39 69619.59 67020.62 141459089 12175674 14518553 14389494

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2020-21 2021 2022 FY 2020-21 2021 2022
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) 258033.70 24372.08 50122.61 48507.66 9201212 933736 1422872 1395093
1.1 Intra-bank $ 25220.71 2345.81 3879.91 3626.98 1871390 186602 250455 246931
1.2 Inter-bank $ 232812.99 22026.27 46242.71 44880.68 7329822 747134 1172417 1148163
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 32493.63 2900.22 3091.31 2697.65 41581497 3999196 4008361 3824220
2.1 Intra-bank @ 6886.15 580.98 598.61 552.69 20601554 2076458 1723484 1635618
2.2 Inter-bank @ 25607.48 2319.24 2492.69 2144.96 20979943 1922739 2284877 2188602
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 60905.81 5534.33 5558.75 5300.30 2889826 259249 262384 256463
3.1 Using Credit Cards $ 51.41 4.98 5.49 5.29 2560 253 269 264
3.2 Using Debit Cards $ 60602.23 5506.07 5523.91 5266.81 2878025 258100 261124 255218
3.3 Using Pre-paid Cards $ 252.17 23.28 29.36 28.20 9240 895 990 981
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 394.77 21.79 2.36 2.46 1533 117 35 39
4.1 Using Debit Cards $ 353.50 19.81 2.08 2.15 1484 114 20 20
4.2 Using Pre-paid Cards $ 41.27 1.98 0.28 0.32 49 3 16 19
5 Cash Withrawal at Micro ATMs @ 9460.43 656.57 1125.54 928.46 225420 18381 28582 24975
5.1 AePS @ 9460.43 656.57 1125.54 928.46 225420 18381 28582 24975

PART III - Payment Infrastructures (Lakh)
System As on March 2021 2021 2022
Feb. Jan. Feb.
  1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 9602.51 9556.49 10111.81 10067.74
1.1 Credit Cards 620.49 616.47 702.52 717.08
1.2 Debit Cards 8982.02 8940.02 9409.29 9350.66
2 Number of PPIs @ (2.1 to 2.2) 21952.60 21556.23 26898.31 27320.10
2.1 Wallets @ 20052.10 19733.68 24231.94 24605.03
2.2 Cards @ 1900.51 1822.56 2666.37 2715.07
3 Number of ATMs (3.1 to 3.2) 2.39 2.35 2.51 2.54
3.1 Bank owned ATMs $ 2.14 2.10 2.21 2.23
3.2 White Label ATMs $ 0.25 0.25 0.30 0.31
4 Number of Micro ATMs @ 4.04 3.73 6.43 7.16
5 Number of PoS Terminals 47.20 47.15 56.20 58.34
6 Bharat QR @ 35.70 34.92 46.97 48.27
7 UPI QR * 925.22 875.86 1521.05 1600.19
@: New inclusion w.e.f. November 2019
#: Data reported by Co-operative Banks, LABs and RRBs included with effect from December 2021.
$ : 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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