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43. Payment System Indicators
Date : Jul 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
May Apr. May May Apr. May
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 2.08 3.06 3.32 206873112 14652880 18651860 19742339
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 12.22 0.89 1.08 1.23 142072939 9966087 11915370 13110275
1.1.1 Outright 6.21 0.47 0.59 0.66 8793301 710624 870328 832089
1.1.2 Repo 3.09 0.23 0.25 0.31 51015712 4280973 4315711 4940038
1.1.3 Tri-party Repo 2.92 0.19 0.23 0.26 82263926 4974490 6729332 7338148
1.2 Forex Clearing 19.90 1.14 1.87 1.98 59775826 4424858 6124936 6039213
1.3 Rupee Derivatives @ 0.88 0.05 0.11 0.11 5024347 261935 611554 592851
B. Payment Systems                
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS (1.1 to 1.2) 2078.39 123.34 195.32 195.72 128657516 8366599 11097594 11183947
1.1 Customer Transactions 2063.73 122.28 194.11 194.53 113319292 7211162 9780600 9851274
1.2 Interbank Transactions 14.66 1.07 1.21 1.19 15338225 1155437 1316994 1332673
II Retail                
2 Credit Transfers - Retail (2.1 to 2.6) 577934.74 33866.21 66747.57 72187.50 42728006 2707637 4050335 4177865
2.1 AePS (Fund Transfers) @ 9.76 0.95 0.55 0.58 575 59 33 36
2.2 APBS $ 12573.33 1343.10 1119.53 2268.03 133345 16261 11118 41011
2.3 IMPS 46625.25 2798.61 4716.26 4848.13 4171037 266289 444670 452328
2.4 NACH Cr $ 18757.82 1866.34 1329.76 1794.53 1281685 116463 112354 97341
2.5 NEFT 40407.29 2565.39 3737.59 3813.34 28725463 1819459 2498587 2546928
2.6 UPI @ 459561.30 25291.82 55843.88 59462.89 8415900 489106 983573 1040221
2.6.1 of which USSD @ 11.99 1.01 0.86 1.00 177 16 12 14
3 Debit Transfers and Direct Debits (3.1 to 3.3) 12189.49 936.41 1121.68 1177.32 1034444 70589 93616 95542
3.1 BHIM Aadhaar Pay @ 227.73 17.29 16.76 17.81 6114 422 580 571
3.2 NACH Dr $ 10754.74 857.30 996.72 1018.05 1026641 70069 92902 94752
3.3 NETC (linked to bank account) @ 1207.01 61.82 108.20 141.46 1690 98 135 218
4 Card Payments (4.1 to 4.2) 61782.94 3901.33 5541.17 5698.18 1701851 95239 170521 179655
4.1 Credit Cards (4.1.1 to 4.1.2) 22398.83 1344.73 2229.30 2377.95 971638 52014 105459 113696
4.1.1 PoS based $ 11124.59 509.46 1152.87 1220.24 380643 18477 39807 42266
4.1.2 Others $ 11274.23 835.27 1076.43 1157.71 590994 33537 65652 71430
4.2 Debit Cards (4.2.1 to 4.2.1 ) 39384.11 2556.60 3311.87 3320.23 730213 43225 65062 65959
4.2.1 PoS based $ 22967.10 1127.84 2131.77 2150.28 451550 22195 43530 44306
4.2.2 Others $ 16417.00 1428.76 1180.10 1169.95 278663 21030 21532 21653
5 Prepaid Payment Instruments (5.1 to 5.2) 65812.39 3880.40 6551.30 6652.60 293658 21509 27664 28257
5.1 Wallets 52683.01 3180.18 5036.15 5198.06 226645 14626 19360 19616
5.2 Cards (5.2.1 to 5.2.2) 13129.38 700.22 1515.15 1454.54 67014 6883 8305 8640
5.2.1 PoS based $ 1066.47 40.58 169.34 178.85 18123 1169 3183 3229
5.2.2 Others $ 12062.91 659.64 1345.81 1275.69 48891 5714 5121 5411
6 Paper-based Instruments (6.1 to 6.2) 6999.12 366.69 624.01 590.44 6650332 341794 670259 594562
6.1 CTS (NPCI Managed) 6999.12 366.69 624.01 590.44 6650332 341794 670259 594562
6.2 Others 0.00
Total - Retail Payments (2+3+4+5+6) 724718.68 42951.04 80585.73 86306.04 52408291 3236769 5012396 5075880
Total Payments (1+2+3+4+5+6) 726797.07 43074.39 80781.06 86501.76 181065807 11603368 16109991 16259827
Total Digital Payments (1+2+3+4+5) 719797.95 42707.70 80157.05 85911.32 174415475 11261574 15439731 15665265

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2020-21 2021 2022 FY 2020-21 2021 2022
May Apr. May May Apr. May
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 29734.31 59767.19 64186.29 14973395 898224 1683381 1753658
1.1 Intra-bank $ 40805.67 2528.93 4515.86 4617.48 2726360 174307 312740 318478
1.2 Inter-bank $ 466725.74 27205.39 55251.33 59568.81 12247035 723917 1370640 1435180
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 36127.50 2336.06 3639.09 3735.84 50121370 2953188 7155362 7233469
2.1 Intra-bank @ 7375.30 492.39 964.04 1023.10 23505766 1290828 4288061 4344369
2.2 Inter-bank @ 28752.20 1843.67 2675.04 2712.74 26615604 1662360 2867301 2889100
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 65287.28 4169.98 5834.29 5872.26 3111927 202854 286411 280266
3.1 Using Credit Cards $ 62.38 3.65 6.12 6.64 3130 187 303 328
3.2 Using Debit Cards $ 64898.81 4142.63 5796.88 5832.83 3097741 201978 285011 278833
3.3 Using Pre-paid Cards $ 326.11 23.69 31.28 32.79 11056 690 1097 1106
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 92.26 20.81 2.74 2.65 805 122 54 53
4.1 Using Debit Cards $ 79.42 18.08 2.24 2.20 557 102 22 22
4.2 Using Pre-paid Cards $ 12.84 2.73 0.50 0.44 248 19 32 31
5 Cash Withrawal at Micro ATMs @ 11126.04 824.37 984.19 1073.66 299776 24138 27824 29828
5.1 AePS @ 11126.04 824.37 984.19 1073.66 299776 24138 27824 29828

PART III - Payment Infrastructures (Lakh)
System As on March 2021 2021 2022
May Apr. May
  1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 9912.93 9643.64 9956.84 10002.10
1.1 Credit Cards 736.27 623.93 751.66 768.77
1.2 Debit Cards 9176.66 9019.71 9205.18 9233.33
2 Number of PPIs @ (2.1 to 2.2) 27403.54 22609.29 27405.90 27692.16
2.1 Wallets @ 24645.39 20542.99 24748.38 25005.51
2.2 Cards @ 2758.15 2066.30 2657.52 2686.65
3 Number of ATMs (3.1 to 3.2) 2.48 2.40 2.51 2.52
3.1 Bank owned ATMs $ 2.17 2.15 2.19 2.20
3.2 White Label ATMs $ 0.32 0.26 0.32 0.32
4 Number of Micro ATMs @ 7.81 4.25 8.16 8.81
5 Number of PoS Terminals 60.70 45.20 61.26 61.69
6 Bharat QR @ 49.72 40.22 40.90 41.38
7 UPI QR * 1727.34 990.22 1807.21 1880.15
@: 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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