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43. Payment System Indicators
Date : Jun 16, 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
Apr. Mar. Apr. Apr. Mar. Apr.
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 2.36 3.25 3.06 206873112 15138384 20588727 18651860
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 12.22 0.83 1.04 1.08 142072939 9963717 13682354 11915370
1.1.1 Outright 6.21 0.41 0.46 0.59 8793301 739674 660443 870328
1.1.2 Repo 3.09 0.21 0.30 0.25 51015712 3829853 5341282 4315711
1.1.3 Tri-party Repo 2.92 0.20 0.27 0.23 82263926 5394189 7680629 6729332
1.2 Forex Clearing 19.90 1.49 2.11 1.87 59775826 4913256 6232193 6124936
1.3 Rupee Derivatives @ 0.88 0.05 0.11 0.11 5024347 261411 674180 611554
B. Payment Systems                
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS (1.1 to 1.2) 2078.39 151.52 230.04 195.32 128657516 8802868 14458955 11097594
1.1 Customer Transactions 2063.73 150.19 228.68 194.11 113319292 7555042 13069669 9780600
1.2 Interbank Transactions 14.66 1.33 1.36 1.21 15338225 1247825 1389286 1316994
II Retail                
2 Credit Transfers - Retail (2.1 to 2.6) 577631.89 34506.22 66272.08 66747.57 42722828 2946342 5062364 4050335
2.1 AePS (Fund Transfers) @ 9.76 0.94 0.56 0.55 575 61 35 33
2.2 APBS $ 12298.50 972.73 1154.92 1119.53 133052 5383 15462 11118
2.3 IMPS 46625.25 3229.68 4920.01 4716.26 4171037 299542 462279 444670
2.4 NACH Cr $ 18729.79 1029.55 1825.88 1329.76 1276801 101457 131428 112354
2.5 NEFT 40407.29 2862.71 4314.20 3737.59 28725463 2046235 3492578 2498587
2.6 UPI @ 459561.30 26410.61 54056.51 55843.88 8415900 493664 960582 983573
2.6.1 of which USSD @ 11.99 0.96 0.91 0.86 177 15 12 12
3 Debit Transfers and Direct Debits (3.1 to 3.3) 12222.27 961.29 1136.67 1121.68 1038334 79291 98645 93616
3.1 BHIM Aadhaar Pay @ 227.73 13.88 19.47 16.76 6114 377 640 580
3.2 NACH Dr $ 10787.53 854.05 979.27 996.72 1030532 78776 97801 92902
3.3 NETC (linked to bank account) @ 1207.01 93.36 137.93 108.20 1690 139 204 135
4 Card Payments (4.1 to 4.2) 61782.94 4788.55 5512.70 5541.17 1701851 115232 171159 170521
4.1 Credit Cards (4.1.1 to 4.1.2) 22398.83 1575.32 2237.51 2229.30 971638 59049 107107 105459
4.1.1 PoS based $ 11124.59 782.31 1134.33 1152.87 380643 26314 38777 39807
4.1.2 Others $ 11274.23 793.00 1103.18 1076.43 590994 32735 68330 65652
4.2 Debit Cards (4.2.1 to 4.2.1 ) 39384.11 3213.23 3275.19 3311.87 730213 56183 64052 65062
4.2.1 PoS based $ 22967.10 1794.37 2078.45 2131.77 451550 35621 40770 43530
4.2.2 Others $ 16417.00 1418.86 1196.73 1180.10 278663 20562 23282 21532
5 Prepaid Payment Instruments (5.1 to 5.2) 65812.39 4800.66 6567.09 6551.30 293658 22148 27865 27664
5.1 Wallets 52683.01 3963.08 5016.86 5036.15 226645 14421 20054 19360
5.2 Cards (5.2.1 to 5.2.2) 13129.38 837.58 1550.23 1515.15 67014 7727 7811 8305
5.2.1 PoS based $ 1066.47 50.39 164.77 169.34 18123 1517 2860 3183
5.2.2 Others $ 12062.91 787.19 1385.46 1345.81 48891 6209 4951 5121
6 Paper-based Instruments (6.1 to 6.2) 6999.12 557.79 702.93 624.01 6650332 553322 694335 670259
6.1 CTS (NPCI Managed) 6999.12 557.79 702.93 624.01 6650332 553322 694335 670259
6.2 Others 0.00
Total - Retail Payments (2+3+4+5+6) 724448.61 45614.50 80191.47 80585.73 52407004 3716336 6054368 5012396
Total Payments (1+2+3+4+5+6) 726527.00 45766.02 80421.51 80781.06 181064521 12519204 20513323 16109991
Total Digital Payments (1+2+3+4+5) 719527.88 45208.23 79718.58 80157.05 174414188 11965881 19818988 15439731

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2020-21 2021 2022 FY 2020-21 2021 2022
Apr. Mar. Apr. Apr. Mar. Apr.
1 2 3 4 5 6 7 8
A. Other Payment Channels                
1 Mobile Payments (mobile app based) (1.1 to 1.2) 507531.40 32494.77 57378.44 59767.47 14973395 1006256 1652795 1683493
1.1 Intra-bank $ 40805.67 2563.99 4218.03 4515.92 2726360 191178 298556 312756
1.2 Inter-bank $ 466725.74 29930.78 53160.40 55251.55 12247035 815078 1354239 1370737
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 36127.50 2682.48 3915.10 3639.09 50121370 3180133 8831268 7155362
2.1 Intra-bank @ 7375.30 567.04 995.71 964.04 23505766 1352169 5347683 4288061
2.2 Inter-bank @ 28752.20 2115.44 2919.39 2675.04 26615604 1827964 3483584 2867301
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 65287.28 5256.36 5971.07 5834.29 3111927 255527 287374 286411
3.1 Using Credit Cards $ 62.38 5.09 6.80 6.12 3130 258 344 303
3.2 Using Debit Cards $ 64898.81 5226.23 5932.11 5796.88 3097741 254397 285893 285011
3.3 Using Pre-paid Cards $ 326.11 25.03 32.16 31.28 11056 871 1138 1097
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 92.26 22.06 2.79 2.74 805 133 57 54
4.1 Using Debit Cards $ 79.42 18.85 2.21 2.24 557 111 21 22
4.2 Using Pre-paid Cards $ 12.84 3.20 0.57 0.50 248 22 36 32
5 Cash Withrawal at Micro ATMs @ 11126.04 725.35 1032.68 984.19 299776 21701 28479 27824
5.1 AePS @ 11126.04 725.35 1032.68 984.19 299776 21701 28479 27824

PART III - Payment Infrastructures (Lakh)
System As on March 2021 2021 2022
Apr. Mar. Apr.
1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 9912.93 9630.55 9912.93 9956.84
1.1 Credit Cards 736.27 622.60 736.27 751.66
1.2 Debit Cards 9176.66 9007.95 9176.66 9205.18
2 Number of PPIs @ (2.1 to 2.2) 27403.54 22216.97 27403.54 27405.90
2.1 Wallets @ 24645.39 20249.78 24645.39 24748.38
2.2 Cards @ 2758.15 1967.19 2758.15 2657.52
3 Number of ATMs (3.1 to 3.2) 2.48 2.40 2.48 2.49
3.1 Bank owned ATMs $ 2.17 2.14 2.17 2.17
3.2 White Label ATMs $ 0.32 0.25 0.32 0.32
4 Number of Micro ATMs @ 7.81 4.14 7.81 8.16
5 Number of PoS Terminals 60.70 45.25 60.70 61.26
6 Bharat QR @ 49.72 40.28 49.72 40.90
7 UPI QR * 1727.34 978.19 1727.34 1807.21
@: 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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