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Payment System Indicators

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Payment System Indicators - December 2023
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2022-23 2022
December
2023 2023 FY 2022-23 2022
December
2023 2023
November December November December
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 41.44 3.42 3.08 3.41 258797336 22326077 21011085 22228644
1.1 Govt. Securities Clearing 15.00 1.19 1.24 1.29 172251292 15144169 13568124 14220985
1.1.1 Outright 7.99 0.60 0.64 0.69 10090700 711065 939382 1009116
1.1.2 Repo 4.07 0.36 0.41 0.40 68032487 6125370 5919154 5903343
1.1.3 Tri-party Repo 2.94 0.23 0.19 0.20 94128105 8307734 6709589 7308526
1.2 Forex Clearing 25.16 2.16 1.74 2.01 78932050 6670289 6922315 7392675
1.3 Rupee Derivatives @ 1.27 0.07 0.10 0.11 7613994 511620 520645 614984
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 2425.62 215.03 219.20 230.39 149946286 13736057 13591443 15888778
1.1 Customer Transactions 2411.19 213.80 218.05 229.23 131667176 12180091 12078797 14244586
1.2 Interbank Transactions 14.43 1.23 1.15 1.16 18279111 1555966 1512645 1644192
II Retail                
2 Credit Transfers - Retail 983620.84 90675.95 128072.73 134755.92 55009620 4928331 5673303 5917191
2.1 AePS (Fund Transfers) @ 5.90 0.32 0.30 0.32 356 21 19 23
2.2 APBS $ 17833.95 1157.66 3221.01 1580.49 247535 20670 47635 27013
2.3 IMPS 56532.64 4858.37 4723.84 4987.93 5585441 486552 535002 570126
2.4 NACH Cr $ 19257.19 1515.84 1380.65 1310.99 1541815 157435 142415 128244
2.5 NEFT 52847.43 4854.81 6394.01 6673.93 33719541 2981681 3208491 3368836
2.6 UPI @ 837143.73 78288.95 112352.92 120202.26 13914932 1281971 1739741 1822949
2.6.1 of which USSD @ 17.21 1.92 2.69 2.06 197 21 37 26
3 Debit Transfers and Direct Debits 15343.05 1357.72 1527.84 1557.74 1289611 116425 142456 152705
3.1 BHIM Aadhaar Pay @ 214.22 12.71 18.82 14.09 6791 446 590 478
3.2 NACH Dr $ 13502.52 1198.55 1376.66 1403.46 1280219 115737 141646 151991
3.3 NETC (linked to bank account) @ 1626.31 146.46 132.36 140.19 2601 242 220 237
4 Card Payments 63324.72 5223.57 4742.56 4983.16 2152245 185150 210038 213058
4.1 Credit Cards 29145.24 2556.47 2970.90 3215.00 1432255 126524 160644 165119
4.1.1 PoS based $ 15598.46 1405.79 1583.66 1706.70 541932 48611 59015 58300
4.1.2 Others $ 13546.79 1150.68 1387.24 1508.29 890323 77913 101629 106819
4.2 Debit Cards 34179.48 2667.10 1771.66 1768.17 719989 58626 49394 47939
4.2.1 PoS based $ 22904.86 1859.33 1301.95 1302.84 476520 39574 34379 32254
4.2.2 Others $ 11274.61 807.77 469.71 465.32 243470 19052 15015 15684
5 Prepaid Payment Instruments 74667.44 6354.65 6510.09 7235.20 287111 22648 24248 26173
5.1 Wallets 59112.76 5012.71 5308.63 5960.57 221896 18400 19853 21732
5.2 Cards 15554.69 1341.94 1201.46 1274.63 65215 4248 4394 4441
5.2.1 PoS based $ 1013.09 61.58 662.14 709.65 14777 722 891 915
5.2.2 Others $ 14541.60 1280.37 539.32 564.98 50438 3527 3504 3526
6 Paper-based Instruments 7109.28 608.14 525.55 547.23 7172904 619903 558866 592972
6.1 CTS (NPCI Managed) 7109.28 608.14 525.55 547.23 7172904 619903 558866 592972
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 104220.03 141378.76 149079.25 65911490 5872457 6608910 6902099
Total Payments (1+2+3+4+5+6) 1146490.96 104435.06 141597.96 149309.63 215857776 19608515 20200353 22790877
Total Digital Payments (1+2+3+4+5) 1139381.68 103826.92 141072.41 148762.40 208684872 18988611 19641487 22197905

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2022-23 2022
December
2023 2023 FY 2022-23 2022
December
2023 2023
November December November December
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 805338.23 74415.83 108174.95 115823.37 22031628 1991763 2641060 2798250
1.1 Intra-bank $ 62306.61 5560.78 6927.98 7372.04 4191430 375775 478326 508669
1.2 Inter-bank $ 743031.61 68855.05 101246.97 108451.33 17840197 1615988 2162734 2289581
2 Internet Payments (Netbanking / internet browser based) @ 42630.64 3661.95 3622.58 3836.26 91539296 8544692 8033440 9388569
2.1 Intra-bank @ 10703.78 949.91 988.62 1050.96 53506133 4926079 4130936 4862519
2.2 Inter-bank @ 31926.86 2712.04 2633.96 2785.31 38033163 3618612 3902504 4526051
B. ATMs                
3. Cash Withdrawal at ATMs $ 69468.87 5891.78 5542.64 5463.57 3305008 280465 276530 269287
3.1 Using Credit Cards $ 88.37 8.13 7.89 8.19 4296 392 391 405
3.2 Using Debit Cards $ 68975.18 5850.33 5505.75 5428.44 3286749 278927 275032 267841
3.3 Using Pre-paid Cards $ 405.32 33.33 28.99 26.94 13963 1146 1107 1041
4. Cash Withdrawal at PoS $ 27.73 2.37 0.75 0.66 278 23 7 6
4.1 Using Debit Cards $ 27.41 2.36 0.75 0.66 276 23 7 6
4.2 Using Pre-paid Cards $ 0.33 0.02 0.01 0.00 2 0 0 0
5. Cash Withdrawal at Micro ATMs @ 12375.16 934.53 1079.59 929.51 333966 25484 28972 24592
5.1 AePS @ 12375.16 934.53 1079.59 929.51 333966 25484 28972 24592

PART III - Payment Infrastructures (lakh)
  As on March 2023 2022
December
2023 2023
November December
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 10465.62 10206.53 10725.00 10587.99
1.1 Credit Cards 853.03 811.87 960.01 979.05
1.2 Debit Cards 9612.59 9394.66 9764.99 9608.94
2 Number of PPIs @ 16185.22 16234.69 16944.31 17544.34
2.1 Wallets @ 13384.65 13346.64 13758.21 14293.01
2.2 Cards @ 2800.57 2888.05 3186.10 3251.33
3 Number of ATMs and CRMs 2.59 2.57 2.58 2.58
3.1 Bank owned ATMs$ and CRMs# 2.23 2.20 2.24 2.24
3.2 White Label ATMs $ 0.36 0.37 0.34 0.34
4 Number of Micro ATMs @ 16.11 14.19 15.87 16.89
5 Number of PoS Terminals 77.90 75.50 84.32 85.67
6 Bharat QR @ 53.82 49.59 58.74 59.57
7 UPI QR * 2563.77 2361.82 3087.39 3170.66

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
November December November December
1. Card Payments 91.91 96.24 7591 7812
1.1 Credit Cards 58.13 60.66 5415 5646
1.1.1 PoS based 22.31 23.74 1702 1780
1.1.2 Online 35.82 36.92 3713 3866
1.2 Debit Cards 33.78 35.58 2176 2165
1.2.1 PoS based 14.72 15.54 703 744
1.2.2 Online 19.06 20.04 1473 1422
2. Prepaid Payment Instruments 31.43 28.59 1189 1157
2.1 PoS based 27.01 24.81 926 909
2.2 Online 4.42 3.78 262 248
3. Cash Withdrawal at ATMs 7.41 7.85 1813 1934
3.1 Using Credit Cards 0.48 0.52 108 102
3.2 Using Debit Cards 4.92 5.34 1020 1113
3.3 Using PPIs 2.01 1.99 685 719
Total International Payments 130.75 132.68 10593 10903

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
December 2023 2.92 432 53327.09 0.187 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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