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Payment System Indicators

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Payment System Indicators - October 2023
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2022-23 2022
October
2023 2023 FY 2022-23 2022
October
2023 2023
September October September October
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 41.44 3.06 3.73 3.31 258797336 20887702 21104039 21422005
1.1 Govt. Securities Clearing 15.00 1.07 1.52 1.26 172251292 13863316 13723954 13902085
1.1.1 Outright 7.99 0.54 0.93 0.66 10090700 672816 1211320 889349
1.1.2 Repo 4.07 0.31 0.41 0.40 68032487 5277168 5629136 5760793
1.1.3 Tri-party Repo 2.94 0.22 0.19 0.20 94128105 7913333 6883498 7251944
1.2 Forex Clearing 25.16 1.90 2.10 1.96 78932050 6514292 6811643 7018310
1.3 Rupee Derivatives @ 1.27 0.08 0.11 0.10 7613994 510094 568441 501610
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 2425.62 190.34 213.94 224.62 149946286 11551277 14545183 13464400
1.1 Customer Transactions 2411.19 189.18 212.80 223.48 131667176 10015711 12960210 11899324
1.2 Interbank Transactions 14.43 1.15 1.13 1.14 18279111 1535565 1584974 1565076
II Retail                
2 Credit Transfers - Retail 983620.84 85748.55 119215.72 128356.32 55009620 4557107 5340256 5667254
2.1 AePS (Fund Transfers) @ 5.90 0.56 0.31 0.31 356 31 21 20
2.2 APBS $ 17833.95 1843.72 1818.74 1745.79 247535 25462 17943 19666
2.3 IMPS 56532.64 4824.59 4728.97 4928.80 5585441 466082 507497 538239
2.4 NACH Cr $ 19257.19 1454.99 1512.78 1278.99 1541815 127118 109472 131546
2.5 NEFT 52847.43 4570.48 5598.05 6314.53 33719541 2726827 3126190 3262015
2.6 UPI @ 837143.73 73054.21 105556.87 114087.90 13914932 1211588 1579133 1715768
2.6.1 of which USSD @ 17.21 1.26 2.52 2.63 197 15 37 38
3 Debit Transfers and Direct Debits 15343.05 1297.79 1514.68 1499.66 1289611 106956 138748 139050
3.1 BHIM Aadhaar Pay @ 214.22 19.99 13.87 15.14 6791 604 441 525
3.2 NACH Dr $ 13502.52 1139.92 1371.81 1348.29 1280219 106131 138081 138287
3.3 NETC (linked to bank account) @ 1626.31 137.88 129.00 136.23 2601 221 226 238
4 Card Payments 63324.72 5516.40 4578.77 5105.51 2152245 195998 189199 230670
4.1 Credit Cards 29145.24 2554.02 2739.43 3200.48 1432255 129048 142320 178569
4.1.1 PoS based $ 15598.46 1400.51 1420.96 1596.74 541932 51183 49440 57774
4.1.2 Others $ 13546.79 1153.51 1318.47 1603.73 890323 77865 92879 120795
4.2 Debit Cards 34179.48 2962.38 1839.34 1905.04 719989 66950 46880 52101
4.2.1 PoS based $ 22904.86 2045.27 1326.09 1375.63 476520 46016 30525 33731
4.2.2 Others $ 11274.61 917.10 513.26 529.40 243470 20934 16355 18371
5 Prepaid Payment Instruments 74667.44 6167.35 6143.16 6687.84 287111 24296 23668 25012
5.1 Wallets 59112.76 4877.04 4899.67 5301.96 221896 18450 19926 20630
5.2 Cards 15554.69 1290.31 1243.49 1385.88 65215 5846 3742 4382
5.2.1 PoS based $ 1013.09 83.89 721.81 750.95 14777 1169 852 884
5.2.2 Others $ 14541.60 1206.42 521.68 634.93 50438 4677 2890 3498
6 Paper-based Instruments 7109.28 561.89 538.35 559.90 7172904 549637 575021 584454
6.1 CTS (NPCI Managed) 7109.28 561.89 538.35 559.90 7172904 549637 575021 584454
6.2 Others 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Retail Payments (2+3+4+5+6) 1144065.34 99291.97 131990.68 142209.23 65911490 5433995 6266892 6646440
Total Payments (1+2+3+4+5+6) 1146490.96 99482.31 132204.62 142433.85 215857776 16985272 20812075 20110841
Total Digital Payments (1+2+3+4+5) 1139381.68 98920.42 131666.27 141873.95 208684872 16435635 20237054 19526387

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2022-23 2022
October
2023 2023 FY 2022-23 2022
October
2023 2023
September October September October
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 805338.23 70328.74 101214.61 109331.98 22031628 1876993 2434721 2619059
1.1 Intra-bank $ 62306.61 5473.11 6606.30 6877.75 4191430 351669 446014 474311
1.2 Inter-bank $ 743031.61 64855.62 94608.31 102454.23 17840197 1525324 1988707 2144749
2 Internet Payments (Netbanking / internet browser based) @ 42630.64 3619.15 3650.26 3736.00 91539296 7172840 8219961 8464802
2.1 Intra-bank @ 10703.78 873.32 988.10 983.49 53506133 4126602 4179061 4400612
2.2 Inter-bank @ 31926.86 2745.82 2662.16 2752.51 38033163 3046239 4040900 4064190
B. ATMs                
3. Cash Withdrawal at ATMs $ 69468.87 6124.46 5377.33 5721.44 3305008 292144 260514 277825
3.1 Using Credit Cards $ 88.37 7.67 7.85 8.54 4296 375 380 413
3.2 Using Debit Cards $ 68975.18 6078.30 5340.80 5683.51 3286749 290557 259072 276282
3.3 Using Pre-paid Cards $ 405.32 38.48 28.67 29.40 13963 1212 1062 1130
4. Cash Withdrawal at PoS $ 27.73 2.14 0.97 0.85 278 21 9 8
4.1 Using Debit Cards $ 27.41 2.11 0.96 0.84 276 21 9 8
4.2 Using Pre-paid Cards $ 0.33 0.03 0.01 0.01 2 0 0 0
5. Cash Withdrawal at Micro ATMs @ 12375.16 1156.16 991.43 986.49 333966 30463 25477 25378
5.1 AePS @ 12375.16 1156.16 991.43 986.49 333966 30463 25477 25378

PART III - Payment Infrastructures (lakh)
  As on March 2023 2022
October
2023 2023
September October
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 10465.62 10235.99 10713.04 10748.82
1.1 Credit Cards 853.03 793.68 930.17 947.11
1.2 Debit Cards 9612.59 9442.32 9782.86 9801.71
2 Number of PPIs @ 16185.22 15985.59 16718.09 16830.87
2.1 Wallets @ 13384.65 13195.92 13437.06 13576.88
2.2 Cards @ 2800.57 2789.67 3281.03 3253.99
3 Number of ATMs and CRMs 2.59 2.55 2.58 2.58
3.1 Bank owned ATMs$ and CRMs# 2.23 2.20 2.23 2.23
3.2 White Label ATMs $ 0.36 0.35 0.35 0.35
4 Number of Micro ATMs @ 16.11 12.91 14.87 15.30
5 Number of PoS Terminals 77.90 72.11 83.03 83.48
6 Bharat QR @ 53.82 47.19 59.82 59.75
7 UPI QR * 2563.77 2253.23 2950.06 3017.20

PART IV - Payment Modes and Channels (International)
  Details of International transactions done using cards (credit, debit and PPI) issued in India
  Volume (lakh) Value (₹ crore)
2023 2023 2023 2023
September October September October
1. Card Payments 97.60 101.98 8715 9556
1.1 Credit Cards 61.55 65.29 5859 6462
1.1.1 PoS based 24.50 28.01 1785 2519
1.1.2 Online 37.04 37.28 4074 3944
1.2 Debit Cards 36.05 36.69 2856 3094
1.2.1 PoS based 13.80 16.47 725 1105
1.2.2 Online 22.25 20.22 2131 1990
2. Prepaid Payment Instruments 38.15 41.76 1530 1574
2.1 PoS based 33.00 36.30 1174 1237
2.2 Online 5.15 5.45 356 336
3. Cash Withdrawal at ATMs 7.72 8.30 2329 4349
3.1 Using Credit Cards 0.52 0.62 105 2385
3.2 Using Debit Cards 4.79 5.19 1176 1103
3.3 Using PPIs 2.41 2.49 1047 862
Total International Payments 143.47 152.03 12573 15479

PART V - Domestic Payment Frauds
  Volume (Lakh) Value (Crore) One in every X payment transaction fraudulent FTS (Fraud / Payment Value * 10000)
September 2022 1.71 249 58177.41 0.127 bps
October 2022 1.79 220 59533.35 0.127 bps
November 2022 2.06 257 50620.69 0.143 bps
December 2022 1.54 204 72426.75 0.103 bps
January 2023 1.57 195 71681.44 0.106 bps
February 2023 2.29 317 47018.00 0.177 bps
March 2023 2.25 333 53907.48 0.142 bps
April 2023 1.75 273 68927.36 0.152 bps
May 2023 2.03 285 63051.71 0.147 bps
June 2023 1.74 265 72554.96 0.128 bps
July 2023 2.24 286 59898.87 0.146 bps
August 2023 2.40 320 58391.71 0.157 bps
September 2023 2.52 366 55057.76 0.174 bps
October 2023 2.23 335 66950.05 0.164 bps
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.
5. Data on domestic payment fraud statistics as reported by Scheduled Commercial Banks (excluding RRBs), Non-bank PPI issuers and Non-bank Credit Card issuers in CPFIR (Central Payments Fraud Information Registry).
6. Data does not include attempts to perpetrate frauds.

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