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43. Payment System Indicators
Date : May 17, 2022
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

PART II - Payment Modes and Channels
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. Other Payment Channels                
1 Mobile Payments (mobile app based) (1.1 to 1.2) 507531 33082.40 48507.66 57378.43 14970883 1248779 1395093 1650284
1.1 Intra-bank $ 40806 4852.88 3626.98 4218.03 2723849 270764 246931 296045
1.2 Inter-bank $ 466726 28229.52 44880.68 53160.39 12247034 978015 1148163 1354239
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 35667 3390.80 2697.65 3574.14 49787576 4976087 3824220 8520751
2.1 Intra-bank @ 7032 707.26 552.69 654.75 23192702 2355028 1635618 5037166
2.2 Inter-bank @ 28635 2683.55 2144.96 2919.39 26594875 2621059 2188602 3483584
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 65084 6040.02 5300.30 5767.24 3105624 285268 256463 281048
3.1 Using Credit Cards $ 62 5.92 5.29 6.80 3130 307 264 344
3.2 Using Debit Cards $ 64695 6007.92 5266.81 5728.28 3091415 283955 255218 279567
3.3 Using Pre-paid Cards $ 327 26.18 28.20 32.16 11079 1007 981 1138
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 92 22.38 2.46 2.79 793 119 39 57
4.1 Using Debit Cards $ 79 19.49 2.15 2.21 557 114 20 21
4.2 Using Pre-paid Cards $ 12 2.90 0.32 0.57 236 5 19 36
5 Cash Withrawal at Micro ATMs @ 11126 763.86 928.46 1032.68 299776 22276 24975 28479
5.1 AePS @ 11126 763.86 928.46 1032.68 299776 22276 24975 28479

PART III - Payment Infrastructures (Lakh)
System FY 2021-22 2021 2022
Mar. Feb. Mar.
  1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 118458.27 9602.51 10067.74 9912.93
1.1 Credit Cards 7983.22 620.49 717.08 736.27
1.2 Debit Cards 110475.05 8982.02 9350.66 9176.66
2 Number of PPIs @ (2.1 to 2.2) 296736.79 21952.60 27320.10 27408.39
2.1 Wallets @ 268372.27 20052.10 24605.03 24645.40
2.2 Cards @ 28364.52 1900.51 2715.07 2762.98
3 Number of ATMs and CRMs (3.1 to 3.2) 29.21 2.39 2.47 2.48
3.1 Bank owned ATMs $ and CRMs # 25.82 2.14 2.16 2.17
3.2 White Label ATMs $ 3.39 0.25 0.31 0.32
4 Number of Micro ATMs @ 65.95 4.04 7.16 7.81
5 Number of PoS Terminals 615.09 47.20 58.34 60.70
6 Bharat QR @ 575.98 35.70 48.27 49.72
7 UPI QR * 15324.59 925.22 1600.19 1727.34
@: New inclusion w.e.f. November 2019.
#: Data reported by Co-operative Banks, LABs and RRBs included with effect from Dec 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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