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Payment System Indicators

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Payment System Indicators - November 2023
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2022-23 2022
November
2023 2023 FY 2022-23 2022
November
2023 2023
October November October November
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 41.44 3.67 3.31 3.08 258797336 22488758 21422005 21011085
1.1 Govt. Securities Clearing 15.00 1.26 1.26 1.24 172251292 15457897 13902085 13568124
1.1.1 Outright 7.99 0.66 0.66 0.64 10090700 759097 889349 939382
1.1.2 Repo 4.07 0.36 0.40 0.41 68032487 6039868 5760793 5919154
1.1.3 Tri-party Repo 2.94 0.23 0.20 0.19 94128105 8658933 7251944 6709589
1.2 Forex Clearing 25.16 2.33 1.96 1.74 78932050 6577286 7018310 6922315
1.3 Rupee Derivatives @ 1.27 0.08 0.10 0.10 7613994 453575 501610 520645
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 2425.62 206.46 224.62 219.20 149946286 12291749 13464400 13591443
1.1 Customer Transactions 2411.19 205.30 223.48 218.05 131667176 10691727 11899324 12078797
1.2 Interbank Transactions 14.43 1.16 1.14 1.15 18279111 1600022 1565076 1512645
II Retail                
2 Credit Transfers - Retail 983620.84 84557.58 128356.32 128072.73 55009620 4527540 5667254 5673303
2.1 AePS (Fund Transfers) @ 5.90 0.51 0.31 0.30 356 29 20 19
2.2 APBS $ 17833.95 1065.62 1745.79 3221.01 247535 9460 19666 47635
2.3 IMPS 56532.64 4634.80 4928.80 4723.84 5585441 454679 538239 535002
2.4 NACH Cr $ 19257.19 1373.88 1278.99 1380.65 1541815 141901 131546 142415
2.5 NEFT 52847.43 4388.30 6314.53 6394.01 33719541 2730878 3262015 3208491
2.6 UPI @ 837143.73 73094.47 114087.90 112352.92 13914932 1190593 1715768 1739741
2.6.1 of which USSD @ 17.21 1.79 2.63 2.69 197 19 38 37
3 Debit Transfers and Direct Debits 15343.05 1316.60 1499.66 1527.84 1289611 110181 139050 142456
3.1 BHIM Aadhaar Pay @ 214.22 14.52 15.14 18.82 6791 475 525 590
3.2 NACH Dr $ 13502.52 1164.17 1348.29 1376.66 1280219 109479 138287 141646
3.3 NETC (linked to bank account) @ 1626.31 137.91 136.23 132.36 2601 227 238 220
4 Card Payments 63324.72 4956.02 5104.71 4742.56 2152245 170388 230670 210038
4.1 Credit Cards 29145.24 2347.73 3200.48 2970.90 1432255 114794 178569 160644
4.1.1 PoS based $ 15598.46 1275.99 1596.74 1583.66 541932 43456 57774 59015
4.1.2 Others $ 13546.79 1071.74 1603.73 1387.24 890323 71338 120795 101629
4.2 Debit Cards 34179.48 2608.28 1904.23 1771.66 719989 55594 52101 49394
4.2.1 PoS based $ 22904.86 1779.46 1375.28 1301.95 476520 37238 33731 34379
4.2.2 Others $ 11274.61 828.82 528.95 469.71 243470 18355 18370 15015
5 Prepaid Payment Instruments 74667.44 6075.20 6687.84 6510.09 287111 22808 25012 24248
5.1 Wallets 59112.76 4730.07 5301.96 5274.31 221896 17342 20630 19830
5.2 Cards 15554.69 1345.14 1385.88 1235.79 65215 5466 4382 4418
5.2.1 PoS based $ 1013.09 77.72 750.95 683.31 14777 1039 884 906
5.2.2 Others $ 14541.60 1267.42 634.93 552.47 50438 4428 3498 3512
6 Paper-based Instruments 7109.28 592.55 559.90 525.55 7172904 585389 584454 558866
6.1 CTS (NPCI Managed) 7109.28 592.55 559.90 525.55 7172904 585389 584454 558866
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 97497.95 142208.43 141378.76 65911490 5416306 6646440 6608910
Total Payments (1+2+3+4+5+6) 1146490.96 97704.41 142433.05 141597.96 215857776 17708056 20110841 20200353
Total Digital Payments (1+2+3+4+5) 1139381.68 97111.86 141873.15 141072.41 208684872 17122666 19526387 19641487

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2022-23 2022
November
2023 2023 FY 2022-23 2022
November
2023 2023
October November October November
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 805338.23 70188.36 109334.05 108174.37 22031628 1874436 2619086 2641046
1.1 Intra-bank $ 62306.61 5342.59 6877.68 6927.98 4191430 355045 474253 478327
1.2 Inter-bank $ 743031.61 64845.77 102456.37 101246.39 17840197 1519391 2144833 2162720
2 Internet Payments (Netbanking / internet browser based) @ 42630.64 3486.07 3736.00 3622.58 91539296 7786127 8464802 8033440
2.1 Intra-bank @ 10703.78 870.33 983.50 988.62 53506133 4606598 4400612 4130936
2.2 Inter-bank @ 31926.86 2615.74 2752.51 2633.96 38033163 3179529 4064190 3902504
B. ATMs                
3. Cash Withdrawal at ATMs $ 69468.87 5608.38 5721.32 5542.64 3305008 265636 277832 276530
3.1 Using Credit Cards $ 88.37 7.59 8.54 7.89 4296 367 413 391
3.2 Using Debit Cards $ 68975.18 5568.42 5683.38 5505.75 3286749 264180 276289 275032
3.3 Using Pre-paid Cards $ 405.32 32.36 29.40 28.99 13963 1089 1130 1107
4. Cash Withdrawal at PoS $ 27.73 2.29 0.85 0.75 278 22 8 7
4.1 Using Debit Cards $ 27.41 2.26 0.84 0.75 276 22 8 7
4.2 Using Pre-paid Cards $ 0.33 0.02 0.01 0.01 2 0 0 0
5. Cash Withdrawal at Micro ATMs @ 12375.16 944.92 986.49 1079.59 333966 25541 25378 28972
5.1 AePS @ 12375.16 944.92 986.49 1079.59 333966 25541 25378 28972

PART III - Payment Infrastructures (lakh)
  As on March 2023 2022
November
2023 2023
October November
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 10465.62 10283.35 10748.82 10751.32
1.1 Credit Cards 853.03 806.06 947.11 960.01
1.2 Debit Cards 9612.59 9477.29 9801.71 9791.30
2 Number of PPIs @ 16185.22 16098.32 16830.82 16944.42
2.1 Wallets @ 13384.65 13269.83 13576.88 13693.59
2.2 Cards @ 2800.57 2828.48 3253.93 3250.83
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 2.24
3.2 White Label ATMs $ 0.36 0.36 0.35 0.34
4 Number of Micro ATMs @ 16.11 13.34 15.30 15.87
5 Number of PoS Terminals 77.90 73.52 83.48 84.32
6 Bharat QR @ 53.82 48.25 59.75 58.74
7 UPI QR * 2563.77 2302.87 3017.20 3087.39

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
October November October November
1. Card Payments 101.98 91.91 9561 7591
1.1 Credit Cards 65.27 58.13 6569 5415
1.1.1 PoS based 27.96 22.31 2366 1702
1.1.2 Online 37.31 35.82 4203 3713
1.2 Debit Cards 36.71 33.78 2992 2176
1.2.1 PoS based 16.52 14.72 1260 703
1.2.2 Online 20.19 19.06 1732 1473
2. Prepaid Payment Instruments 41.76 31.43 1574 1189
2.1 PoS based 36.30 27.01 1237 926
2.2 Online 5.45 4.42 336 262
3. Cash Withdrawal at ATMs 8.30 7.41 4356 1813
3.1 Using Credit Cards 0.54 0.48 140 108
3.2 Using Debit Cards 5.26 4.92 3355 1020
3.3 Using PPIs 2.49 2.01 862 685
Total International Payments 152.03 130.75 15491 10593

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
November 2023 2.57 428 57618.81 0.209 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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