PART I - Payment System Indicators - Payment & Settlement System Statistics |
System | Volume (Lakh) | Value (₹ Crore) |
FY 2021-22 | 2021 | 2022 | FY 2021-22 | 2021 | 2022 |
Mar. | Feb. | Mar. | Mar. | Feb. | Mar. |
1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
A. Settlement Systems | | | | | | | | |
Financial Market Infrastructures (FMIs) | | | | | | | | |
1 CCIL Operated Systems (1.1 to 1.3) | 33.01 | 2.92 | 2.92 | 3.25 | 206873111 | 17383479 | 17994586 | 20588727 |
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) | 12.22 | 0.91 | 1.10 | 1.04 | 142072938 | 11182301 | 12914111 | 13682354 |
1.1.1 Outright | 6.21 | 0.42 | 0.58 | 0.46 | 8793301 | 678873 | 721038 | 660443 |
1.1.2 Repo | 3.09 | 0.26 | 0.25 | 0.30 | 51015712 | 4362390 | 4221392 | 5341282 |
1.1.3 Tri-party Repo | 2.92 | 0.23 | 0.27 | 0.27 | 82263925 | 6141037 | 7971681 | 7680629 |
1.2 Forex Clearing | 19.90 | 1.95 | 1.73 | 2.11 | 59775826 | 5828078 | 4540145 | 6232193 |
1.3 Rupee Derivatives @ | 0.88 | 0.06 | 0.10 | 0.11 | 5024347 | 373100 | 540330 | 674180 |
B. Payment Systems | | | | | | | | |
I Financial Market Infrastructures (FMIs) | – | – | – | – | – | – | – | – |
1 Credit Transfers - RTGS (1.1 to 1.2) | 2078.39 | 202.35 | 180.29 | 230.04 | 128657517 | 12982215 | 10324618 | 14458955 |
1.1 Customer Transactions | 2063.73 | 200.70 | 179.15 | 228.68 | 113319291 | 11427958 | 9277356 | 13069669 |
1.2 Interbank Transactions | 14.66 | 1.65 | 1.13 | 1.36 | 15338225 | 1554257 | 1047262 | 1389286 |
II Retail | | | | | | | | |
2 Credit Transfers - Retail (2.1 to 2.7) | 577631.89 | 37208.51 | 55283.72 | 66272.08 | 42722829 | 4053907 | 3806375 | 5062364 |
2.1 AePS (Fund Transfers) @ | 9.76 | 1.16 | 0.51 | 0.56 | 575 | 72 | 28 | 35 |
2.2 APBS $ | 12298.50 | 1128.83 | 629.87 | 1154.92 | 133052 | 11086 | 13043 | 15462 |
2.3 ECS Cr | 4920.01 | – | – | 4920.01 | 462279 | – | – | 462279 |
2.4 IMPS | 41705.24 | 3631.44 | 4209.31 | – | 3708759 | 327236 | 384404 | – |
2.5 NACH Cr $ | 18729.79 | 1648.84 | 1536.56 | 1825.88 | 1276801 | 164298 | 104998 | 131428 |
2.6 NEFT | 40407.29 | 3481.39 | 3632.58 | 4314.20 | 28725463 | 3046329 | 2477059 | 3492578 |
2.7 UPI @ | 459561.30 | 27316.85 | 45274.89 | 54056.51 | 8415900 | 504886 | 826843 | 960582 |
2.7.1 of which USSD @ | 11.99 | 0.94 | 0.68 | 0.91 | 177 | 15 | 10 | 12 |
3 Debit Transfers and Direct Debits (3.1 to 3.4) | 12222.27 | 1038.84 | 1089.30 | 1136.67 | 1038335 | 86505 | 90746 | 98645 |
3.1 BHIM Aadhaar Pay @ | 227.73 | 12.92 | 15.23 | 19.47 | 6114 | 346 | 506 | 640 |
3.2 ECS Dr | – | – | – | – | – | – | – | – |
3.3 NACH Dr $ | 10787.53 | 920.42 | 948.20 | 979.27 | 1030532 | 86005 | 90056 | 97801 |
3.4 NETC (linked to bank account) @ | 1207.01 | 105.50 | 125.87 | 137.93 | 1690 | 154 | 184 | 204 |
4 Card Payments (4.1 to 4.2) | 61785.64 | 5650.32 | 4840.43 | 5515.40 | 1701900 | 139705 | 143106 | 171214 |
4.1 Credit Cards (4.1.1 to 4.1.2) | 22398.83 | 1887.27 | 1884.24 | 2237.51 | 971632 | 72319 | 86041 | 107101 |
4.1.1 PoS based $ | 11124.59 | 1012.86 | 963.40 | 1134.33 | 380640 | 33286 | 32500 | 38773 |
4.1.2 Others $ | 11274.23 | 874.41 | 920.84 | 1103.18 | 590992 | 39033 | 53541 | 68328 |
4.2 Debit Cards (4.2.1 to 4.2.1) | 39476.78 | 3763.05 | 2956.19 | 3277.89 | 731368 | 67386 | 57065 | 64113 |
4.2.1 PoS based $ | 23059.81 | 2229.12 | 1845.45 | 2081.16 | 452711 | 42816 | 36376 | 40831 |
4.2.2 Others $ | 16416.97 | 1533.93 | 1110.75 | 1196.73 | 278658 | 24570 | 20689 | 23282 |
5 Prepaid Payment Instruments (5.1 to 5.2) | 65812.39 | 5201.05 | 5626.89 | 6567.09 | 293658 | 21372 | 24649 | 27865 |
5.1 Wallets | 52683.01 | 4182.92 | 4386.09 | 5016.86 | 226645 | 14856 | 17259 | 20054 |
5.2 Cards (5.2.1 to 5.2.2) | 13129.38 | 1018.13 | 1240.79 | 1550.23 | 67014 | 6516 | 7390 | 7811 |
5.2.1 PoS based $ | 1066.47 | 59.48 | 126.61 | 164.77 | 18123 | 1453 | 3360 | 2860 |
5.2.2 Others $ | 12062.91 | 958.65 | 1114.18 | 1385.46 | 48891 | 5063 | 4030 | 4951 |
6 Paper-based Instruments (6.1 to 6.2) | 6999.12 | 806.59 | 581.98 | 702.93 | 6650332 | 722031 | 615321 | 694335 |
6.1 CTS (NPCI Managed) | 6999.12 | 806.59 | 581.98 | 702.93 | 6650332 | 722031 | 615321 | 694335 |
6.2 Others | 0.00 | 0.00 | 0.00 | 0.00 | – | – | – | – |
Total - Retail Payments (2+3+4+5+6) | 724451.29 | 49905.31 | 67422.32 | 80194.17 | 52407055 | 5023520 | 4680197 | 6054424 |
Total Payments (1+2+3+4+5+6) | 726529.68 | 50107.66 | 67602.60 | 80424.21 | 181064571 | 18005734 | 15004815 | 20513379 |
Total Digital Payments (1+2+3+4+5) | 719530.55 | 49301.07 | 67020.62 | 79721.28 | 174414239 | 17283703 | 14389494 | 19819044 |