RBI Bulletin


Search Archives

download file (18 kb) or PDF document (200 kb)
43. Payment System Indicators
Date : Sep 16, 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
Jul. Jun. Jul. Jul. Jun. Jul.
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 2.68 3.42 3.39 206873112 16798812 22912930 21126044
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 12.22 0.98 1.32 1.33 142072939 11096031 15445511 14218681
1.1.1 Outright 6.22 0.50 0.68 0.71 8793301 744621 844409 851204
1.1.2 Repo 3.08 0.25 0.34 0.34 51015712 3802644 5627915 5764070
1.1.3 Tri-party Repo 2.92 0.24 0.30 0.28 82263926 6548766 8973188 7603407
1.2 Forex Clearing 19.91 1.64 1.97 1.93 59775826 5290626 6778125 6272728
1.3 Rupee Derivatives @ 0.88 0.07 0.13 0.13 5024347 412155 689294 634635
B. Payment Systems                
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS (1.1 to 1.2) 2078.39 167.65 194.42 189.26 128657516 10741314 12356054 11551440
1.1 Customer Transactions 2063.73 166.43 193.18 188.06 113319292 9288984 10840909 9927091
1.2 Interbank Transactions 14.66 1.22 1.24 1.20 15338225 1452331 1515145 1624349
II Retail                
2 Credit Transfers - Retail (2.1 to 2.6) 577934.74 41372.72 69921.27 74673.64 42728006 3215234 4298158 4267239
2.1 AePS (Fund Transfers) @ 9.76 1.03 0.62 0.68 575 61 37 40
2.2 APBS $ 12573.33 1047.34 1222.24 1259.99 133345 7981 23010 12511
2.3 IMPS 46625.25 3524.64 4557.01 4608.30 4171037 311310 443776 444541
2.4 NACH Cr $ 18757.82 1174.68 1489.99 1892.88 1281685 85697 100909 119677
2.5 NEFT 40407.29 3170.00 4022.33 4018.39 28725463 2204303 2716013 2627354
2.6 UPI @ 459561.30 32455.02 58629.08 62893.40 8415900 605883 1014413 1063117
2.6.1 of which USSD @ 11.99 1.08 0.99 1.62 177 16 12 18
3 Debit Transfers and Direct Debits (3.1 to 3.3) 12189.49 986.32 1225.96 1217.97 1034444 86503 100325 100581
3.1 BHIM Aadhaar Pay @ 227.73 17.49 39.82 21.26 6113 414 1049 621
3.2 NACH Dr $ 10754.74 877.08 1048.14 1067.05 1026641 85980 99060 99754
3.3 NETC (linked to bank account) @ 1207.02 91.75 138.00 129.66 1689 109 216 207
4 Card Payments (4.1 to 4.2) 61782.93 5225.86 5376.24 5481.80 1701851 135972 169669 180371
4.1 Credit Cards (4.1.1 to 4.1.2) 22398.82 1820.49 2279.46 2348.34 971638 74885 108752 115856
4.1.1 PoS based $ 11124.59 900.27 1210.51 1220.69 380643 30498 40466 41767
4.1.2 Others $ 11274.23 920.21 1068.95 1127.64 590994 44387 68286 74089
4.2 Debit Cards (4.2.1 to 4.2.1) 39384.11 3405.37 3096.79 3133.47 730213 61087 60917 64515
4.2.1 PoS based $ 22967.10 1901.64 2012.90 2053.40 451550 36764 39877 41211
4.2.2 Others $ 16417.00 1503.73 1083.89 1080.07 278663 24324 21040 23304
5 Prepaid Payment Instruments (5.1 to 5.2) 65782.75 4958.99 6258.03 6195.34 279416 20587 24738 25309
5.1 Wallets 53013.86 4068.85 4979.19 4855.87 220183 16624 18488 18775
5.2 Cards (5.2.1 to 5.2.2) 12768.89 890.14 1278.83 1339.48 59233 3963 6250 6534
5.2.1 PoS based $ 1116.16 73.49 87.22 85.43 19546 893 1301 1285
5.2.2 Others $ 11652.73 816.64 1191.62 1254.05 39687 3070 4949 5250
6 Paper-based Instruments (6.1 to 6.2) 6999.12 596.11 593.72 588.67 6650333 553256 599196 579727
6.1 CTS (NPCI Managed) 6999.12 596.11 593.72 588.67 6650333 553256 599196 579727
6.2 Others 0.00
Total - Retail Payments (2+3+4+5+6) 724689.03 53139.99 83375.21 88157.42 52394049 4011553 5192086 5153226
Total Payments (1+2+3+4+5+6) 726767.42 53307.64 83569.63 88346.69 181051565 14752867 17548140 16704666
Total Digital Payments (1+2+3+4+5) 719768.30 52711.53 82975.91 87758.02 174401233 14199611 16948944 16124940

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2021-22 2021 2022 FY 2021-22 2021 2022
Jul. Jun. Jul. Jul. Jun. Jul.
1 2 3 4 5 6 7 8
A. Other Payment Channels                
1 Mobile Payments (mobile app based) (1.1 to 1.2) 507531.37 36837.05 62581.28 68450.73 14973395 1137233 1715115 1786611
1.1 Intra-bank $ 40805.69 3133.94 4309.58 4902.42 2726360 210685 305131 323926
1.2 Inter-bank $ 466725.68 33703.12 58271.69 63548.30 12247035 926547 1409985 1462684
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 40726.59 3474.33 3551.14 3734.46 83159996 6812775 8205044 7325646
2.1 Intra-bank @ 9583.32 828.56 866.17 930.32 52142582 4294238 5134748 4438066
2.2 Inter-bank @ 31143.27 2645.77 2684.67 2804.13 31017413 2518538 3070297 2887580
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 65287.63 5378.82 5734.36 5777.88 3111948 254886 271368 272103
3.1 Using Credit Cards $ 62.37 4.74 6.79 6.95 3130 235 336 342
3.2 Using Debit Cards $ 64898.80 5348.70 5694.37 5735.52 3097741 253780 269936 270609
3.3 Using Pre-paid Cards $ 326.45 25.38 33.20 35.42 11076 871 1096 1152
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 91.17 7.45 2.30 2.26 728 62 22 22
4.1 Using Debit Cards $ 79.42 6.15 2.27 2.25 557 43 22 22
4.2 Using Pre-paid Cards $ 11.75 1.30 0.03 0.01 171 19 0 0
5 Cash Withrawal at Micro ATMs @ 11126.04 869.89 1167.16 1082.22 299776 22973 31318 29517
5.1 AePS @ 11126.04 869.89 1167.16 1082.22 299776 22973 31318 29517

PART III - Payment Infrastructures (Lakh)
System As on March 2022 2021 2022
Jul. Jun. Jul.
  1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 9912.93 9690.43 10004.74 10083.90
1.1 Credit Cards 736.27 634.14 787.23 802.56
1.2 Debit Cards 9176.66 9056.29 9217.52 9281.34
2 Number of PPIs @ (2.1 to 2.2) 15553.69 13176.84 15589.89 15604.53
2.1 Wallets @ 12787.93 11032.89 12932.46 12922.65
2.2 Cards @ 2765.76 2143.95 2657.43 2681.89
3 Number of ATMs (3.1 to 3.2) 2.52 2.40 2.53 2.54
3.1 Bank owned ATMs $ 2.20 2.13 2.20 2.20
3.2 White Label ATMs $ 0.31 0.27 0.33 0.34
4 Number of Micro ATMs @ 7.81 4.75 9.40 9.64
5 Number of PoS Terminals 60.70 46.08 65.91 68.19
6 Bharat QR @ 49.72 42.51 42.80 45.21
7 UPI QR * 1727.34 1078.80 1951.71 2013.02
@: 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.

2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
Archives
Top