RBI Bulletin

Search Archives
Section

(18 kb) or

(190 kb)

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.

Mar.

Apr.

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

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

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

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.

Mar.

Apr.

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

4.1 Using Debit Cards $

79.42

18.85

2.21

2.24

557

111

4.2 Using Pre-paid Cards $

12.84

3.20

0.57

0.50

248

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.

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

3.2 White Label ATMs $

0.32

0.25

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.

RBI Bulletin

Search Archives

43. Payment System Indicators

Date : Jun 16, 2022

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Archives

2015

2014

2013

2012

2011

2010

2009

2008

2007

2006

2005

2004

2003

2002

2001

2000

1999

1998

1997

1947-1996