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43. Payment System Indicators
Date : Jan 19, 2023
PART I - Payment System Indicators - Payment & Settlement System Statistics
System Volume (Lakh) Value (₹ Crore)
FY 2021-22 2021 2022 FY 2021-22 2021 2022
Nov. Oct. Nov. Nov. Oct. Nov.
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 2.56 3.06 3.67 206873112 17364382 20887702 22488758
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 12.22 0.97 1.07 1.26 142072939 12229072 13863316 15457897
1.1.1 Outright 6.22 0.46 0.54 0.66 8793301 617831 672816 759097
1.1.2 Repo 3.08 0.26 0.31 0.36 51015712 4273958 5277168 6039868
1.1.3 Tri-party Repo 2.92 0.25 0.22 0.23 82263926 7337283 7913333 8658933
1.2 Forex Clearing 19.91 1.53 1.90 2.33 59775826 4816873 6514292 6577286
1.3 Rupee Derivatives @ 0.88 0.06 0.08 0.08 5024347 318437 510094 453575
B. Payment Systems                
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS (1.1 to 1.2) 2078.39 172.14 190.34 206.46 128657516 10981778 11551277 12291749
1.1 Customer Transactions 2063.73 170.95 189.18 205.30 113319292 9589985 10015711 10691727
1.2 Interbank Transactions 14.66 1.19 1.15 1.16 15338225 1391793 1535565 1600022
II Retail                
2 Credit Transfers - Retail (2.1 to 2.6) 577934.74 51880.87 85748.55 84557.58 42728006 3554896 4557107 4527540
2.1 AePS (Fund Transfers) @ 9.76 0.62 0.56 0.51 575 35 31 29
2.2 APBS $ 12573.33 1119.16 1843.72 1065.62 133345 9750 25462 9460
2.3 IMPS 46625.25 4120.29 4824.59 4634.80 4171037 364672 466082 454679
2.4 NACH Cr $ 18757.82 1382.00 1454.99 1373.88 1281685 97513 127118 141901
2.5 NEFT 40407.29 3394.00 4570.48 4388.30 28725463 2314490 2726827 2730878
2.6 UPI @ 459561.30 41864.80 73054.21 73094.47 8415900 768436 1211588 1190593
2.6.1 of which USSD @ 11.99 1.00 1.26 1.79 177 15 15 19
3 Debit Transfers and Direct Debits (3.1 to 3.3) 12189.49 1039.13 1297.79 1316.60 1034444 87111 106956 110181
3.1 BHIM Aadhaar Pay @ 227.73 19.78 19.99 14.52 6113 536 604 475
3.2 NACH Dr $ 10754.74 907.32 1139.92 1164.17 1026641 86417 106131 109479
3.3 NETC (linked to bank account) @ 1207.02 112.03 137.88 137.91 1689 158 221 227
4 Card Payments (4.1 to 4.2) 61782.93 5418.18 5533.37 4969.35 1701851 156326 196402 170738
4.1 Credit Cards (4.1.1 to 4.1.2) 22398.82 2011.16 2557.88 2351.41 971638 89217 129076 114821
4.1.1 PoS based $ 11124.59 1068.93 1448.32 1319.99 380643 37499 53890 46296
4.1.2 Others $ 11274.23 942.23 1109.56 1031.42 590994 51718 75186 68525
4.2 Debit Cards (4.2.1 to 4.2.1 ) 39384.11 3407.02 2975.49 2617.94 730213 67109 67326 55917
4.2.1 PoS based $ 22967.10 2112.05 2062.25 1791.75 451550 43751 46420 37559
4.2.2 Others $ 16417.00 1294.97 913.24 826.19 278663 23358 20906 18358
5 Prepaid Payment Instruments (5.1 to 5.2) 65782.75 6107.05 6167.35 6075.20 279416 24885 24296 22808
5.1 Wallets 53013.86 4870.19 4877.04 4730.07 220183 21041 18450 17342
5.2 Cards (5.2.1 to 5.2.2) 12768.89 1236.87 1290.31 1345.14 59233 3844 5846 5466
5.2.1 PoS based $ 1116.16 74.48 83.89 77.72 19546 1287 1169 1039
5.2.2 Others $ 11652.73 1162.38 1206.42 1267.42 39687 2557 4677 4428
6 Paper-based Instruments (6.1 to 6.2) 6999.12 577.00 561.89 586.94 6650333 533223 550935 581120
6.1 CTS (NPCI Managed) 6999.12 577.00 561.89 586.94 6650333 533223 550935 581120
6.2 Others 0.00
Total - Retail Payments (2+3+4+5+6) 724689.03 65022.23 99308.95 97505.68 52394049 4356441 5435696 5412387
Total Payments (1+2+3+4+5+6) 726767.42 65194.37 99499.28 97712.14 181051565 15338219 16986973 17704137
Total Digital Payments (1+2+3+4+5) 719768.30 64617.37 98937.39 97125.20 174401233 14804996 16436039 17123017

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2021-22 2021 2022 FY 2021-22 2021 2022
Nov. Oct. Nov. Nov. Oct. Nov.
1 2 3 4 5 6 7 8
A. Other Payment Channels                
1 Mobile Payments (mobile app based) (1.1 to 1.2) 506842.31 45548.53 78248.76 79124.19 14961371 1324008 1981459 1992072
1.1 Intra-bank $ 40805.69 3732.97 5473.11 5342.59 2726363 239989 351598 354973
1.2 Inter-bank $ 466036.62 41815.57 72775.65 73781.60 12235007 1084018 1629861 1637100
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 40726.59 3318.59 3628.03 3496.04 83159996 7010707 7182384 7818605
2.1 Intra-bank @ 9583.32 790.69 873.32 870.33 52142582 4464587 4126602 4606598
2.2 Inter-bank @ 31143.27 2527.90 2754.70 2625.70 31017413 2546120 3055782 3212007
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 65240.43 5687.57 6122.24 5606.57 3111946 271730 291667 265204
3.1 Using Credit Cards $ 62.37 5.45 7.67 7.59 3130 276 375 367
3.2 Using Debit Cards $ 64851.61 5653.68 6076.09 5566.62 3097739 270515 290080 263748
3.3 Using Pre-paid Cards $ 326.45 28.44 38.48 32.36 11076 939 1212 1089
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 91.17 4.82 2.15 2.30 728 63 22 23
4.1 Using Debit Cards $ 79.42 4.14 2.12 2.28 557 39 22 23
4.2 Using Pre-paid Cards $ 11.75 0.68 0.03 0.02 171 24 0 0
5 Cash Withrawal at Micro ATMs @ 11126.04 925.63 1156.16 944.92 299776 25112 30463 25541
5.1 AePS @ 11126.04 925.63 1156.16 944.92 299776 25112 30463 25541

PART III - Payment Infrastructures (Lakh)
System As on March 2022 2021 2022
Nov. Oct. Nov.
1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 9912.93 10015.90 10235.99 10283.92
1.1 Credit Cards 736.27 675.83 793.68 806.65
1.2 Debit Cards 9176.66 9340.07 9442.32 9477.28
2 Number of PPIs @ (2.1 to 2.2) 15553.69 14832.43 15985.59 16098.30
2.1 Wallets @ 12787.93 12318.18 13195.92 13269.81
2.2 Cards @ 2765.76 2514.26 2789.67 2828.48
3 Number of ATMs (3.1 to 3.2) 2.52 2.42 2.55 2.55
3.1 Bank owned ATMs $ 2.20 2.13 2.20 2.20
3.2 White Label ATMs $ 0.31 0.29 0.35 0.36
4 Number of Micro ATMs @ 9.16 6.93 12.91 13.34
5 Number of PoS Terminals 60.70 52.92 72.11 73.52
6 Bharat QR @ 49.72 45.41 47.19 48.25
7 UPI QR * 1727.34 1373.33 2253.23 2302.87
@: 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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