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Payment System Indicators

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Payment System Indicators - February 2024
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2022-23 2023
February
2024 2024 FY 2022-23 2023
February
2024 2024
January February January February
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 41.44 3.51 3.74 3.60 258797336 22281370 21705635 21907760
1.1 Govt. Securities Clearing 15.00 1.27 1.42 1.46 172251292 14888685 14658627 14722762
1.1.1 Outright 7.99 0.68 0.79 0.87 10090700 895740 1100547 1273135
1.1.2 Repo 4.07 0.38 0.43 0.39 68032487 6436404 6039056 6575139
1.1.3 Tri-party Repo 2.94 0.21 0.21 0.20 94128105 7556541 7519024 6874488
1.2 Forex Clearing 25.16 2.11 2.21 2.04 78932050 6602897 6439543 6537554
1.3 Rupee Derivatives @ 1.27 0.13 0.11 0.09 7613994 789788 607465 647444
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 2425.62 200.50 230.99 238.26 149946286 12053579 14691625 14614297
1.1 Customer Transactions 2411.19 199.35 229.79 237.09 131667176 10566198 13127720 13083464
1.2 Interbank Transactions 14.43 1.14 1.20 1.17 18279111 1487381 1563905 1530833
II Retail                
2 Credit Transfers - Retail 983620.84 88539.09 137068.03 137733.21 55009620 4647461 5945126 6039675
2.1 AePS (Fund Transfers) @ 5.90 0.31 0.36 0.32 356 22 24 21
2.2 APBS $ 17833.95 2519.89 2118.74 2965.77 247535 35468 42872 48312
2.3 IMPS 56532.64 4478.13 5087.92 5346.35 5585441 468647 566310 568092
2.4 NACH Cr $ 19257.19 1517.57 948.05 1504.81 1541815 131505 127514 123887
2.5 NEFT 52847.43 4675.61 6882.78 6889.23 33719541 2775972 3367322 3471495
2.6 UPI @ 837143.73 75347.57 122030.18 121026.73 13914932 1235847 1841084 1827869
2.6.1 of which USSD @ 17.21 1.51 1.90 1.66 197 17 21 19
3 Debit Transfers and Direct Debits 15343.05 1359.79 1571.50 1611.25 1289611 115272 154405 153734
3.1 BHIM Aadhaar Pay @ 214.22 11.50 18.82 15.43 6791 454 619 376
3.2 NACH Dr $ 13502.52 1209.13 1440.08 1464.78 1280219 114587 153564 153173
3.3 NETC (linked to bank account) @ 1626.31 139.16 112.60 131.04 2601 231 222 184
4 Card Payments 63324.72 4588.51 4934.19 4634.88 2152245 168378 211931 190658
4.1 Credit Cards 29145.24 2323.20 3289.52 3112.44 1432255 118684 166444 149206
4.1.1 PoS based $ 15598.46 1255.88 1725.59 1618.50 541932 44611 58532 54431
4.1.2 Others $ 13546.79 1067.32 1563.93 1493.94 890323 74073 107912 94775
4.2 Debit Cards 34179.48 2265.31 1644.68 1522.44 719989 49693 45487 41452
4.2.1 PoS based $ 22904.86 1581.95 1193.18 1109.26 476520 33432 30383 27930
4.2.2 Others $ 11274.61 683.36 451.50 413.18 243470 16261 15103 13522
5 Prepaid Payment Instruments 74667.44 6050.89 7087.25 6470.87 287111 22399 25784 22676
5.1 Wallets 59112.76 4929.04 5766.67 5211.85 221896 18356 21259 18434
5.2 Cards 15554.69 1121.85 1320.58 1259.02 65215 4043 4525 4242
5.2.1 PoS based $ 1013.09 63.07 690.67 702.42 14777 792 927 919
5.2.2 Others $ 14541.60 1058.78 629.91 556.60 50438 3251 3598 3323
6 Paper-based Instruments 7109.28 553.90 547.17 541.88 7172904 565690 583653 602630
6.1 CTS (NPCI Managed) 7109.28 553.90 547.17 541.88 7172904 565690 583653 602630
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 101092.17 151208.15 150992.10 65911490 5519200 6920899 7009374
Total Payments (1+2+3+4+5+6) 1146490.96 101292.67 151439.14 151230.36 215857776 17572779 21612523 21623671
Total Digital Payments (1+2+3+4+5) 1139381.68 100738.77 150891.97 150688.48 208684872 17007089 21028871 21021041

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2022-23 2023
February
2024 2024 FY 2022-23 2023
February
2024 2024
January February January February
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 805338.23 72542.86 117854.93 117275.04 22031628 1930129 2815296 2828112
1.1 Intra-bank $ 62306.61 5107.77 7654.37 7774.97 4191430 353815 524854 530845
1.2 Inter-bank $ 743031.61 67435.09 110200.56 109500.07 17840197 1576314 2290441 2297267
2 Internet Payments (Netbanking / internet browser based) @ 42630.64 3319.04 3837.71 3800.36 91539296 7380904 9123990 8867591
2.1 Intra-bank @ 10703.78 834.55 1028.04 1008.05 53506133 4172937 4767036 4540083
2.2 Inter-bank @ 31926.86 2484.49 2809.67 2792.31 38033163 3207966 4356954 4327508
B. ATMs                
3. Cash Withdrawal at ATMs $ 69468.87 5472.33 5306.01 5171.94 3305008 263681 260746 257228
3.1 Using Credit Cards $ 88.37 7.39 8.26 7.91 4296 358 404 395
3.2 Using Debit Cards $ 68975.18 5433.46 5272.19 5138.76 3286749 262098 259326 255798
3.3 Using Pre-paid Cards $ 405.32 31.47 25.56 25.27 13963 1225 1016 1035
4. Cash Withdrawal at PoS $ 27.73 2.17 0.65 0.55 278 21 6 5
4.1 Using Debit Cards $ 27.41 2.16 0.64 0.53 276 21 6 5
4.2 Using Pre-paid Cards $ 0.33 0.01 0.02 0.01 2 0 0 0
5. Cash Withdrawal at Micro ATMs @ 12375.16 918.44 839.66 812.15 333966 25483 22351 21543
5.1 AePS @ 12375.16 918.44 839.66 812.15 333966 25483 22351 21543

PART III - Payment Infrastructures (lakh)
  As on March 2023 2023
February
2024 2024
January February
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 10465.62 10374.87 10570.66 10612.71
1.1 Credit Cards 853.03 833.66 995.00 1006.00
1.2 Debit Cards 9612.59 9541.22 9575.66 9606.71
2 Number of PPIs @ 16185.22 16109.65 17676.26 17118.56
2.1 Wallets @ 13384.65 13335.10 14396.94 13795.76
2.2 Cards @ 2800.57 2774.55 3279.32 3322.80
3 Number of ATMs and CRMs 2.59 2.57 2.58 2.57
3.1 Bank owned ATMs$ and CRMs# 2.23 2.21 2.24 2.23
3.2 White Label ATMs $ 0.36 0.36 0.34 0.34
4 Number of Micro ATMs @ 16.11 15.59 17.60 17.01
5 Number of PoS Terminals 77.90 77.58 85.93 87.73
6 Bharat QR @ 53.82 52.22 60.04 61.50
7 UPI QR * 2563.77 2500.89 3213.79 3371.80

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)
2024 2024 2024 2024
January February January February
1. Card Payments 90.59 87.22 7538 6809
1.1 Credit Cards 56.33 53.99 5411 5002
1.1.1 PoS based 20.91 19.65 1626 1475
1.1.2 Online 35.42 34.35 3786 3527
1.2 Debit Cards 34.26 33.22 2126 1807
1.2.1 PoS based 14.66 13.73 729 648
1.2.2 Online 19.60 19.50 1398 1159
2. Prepaid Payment Instruments 25.11 24.16 1111 946
2.1 PoS based 21.40 20.68 827 728
2.2 Online 3.71 3.48 284 218
3. Cash Withdrawal at ATMs 6.49 6.22 1826 1563
3.1 Using Credit Cards 0.35 0.35 62 60
3.2 Using Debit Cards 4.38 4.21 874 858
3.3 Using PPIs 1.75 1.67 890 644
Total International Payments 122.18 117.60 10474 9318

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
January 2024 2.69 435 56335.82 0.207 bps
February 2024 2.53 503 59915.32 0.239 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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