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Payment System Indicators

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Payment System Indicators - March 2024
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2023-24 2023
March
2024 2024 FY 2023-24 2023
March
2024 2024
February March February March
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 43.04 3.66 3.60 3.48 259206893 22458408 21907760 21627756
1.1 Govt. Securities Clearing 16.80 1.25 1.46 1.14 170464587 14269424 14722762 13374679
1.1.1 Outright 9.51 0.65 0.87 0.60 13463848 952079 1273135 981057
1.1.2 Repo 4.94 0.40 0.39 0.35 76718788 6682508 6575139 6226720
1.1.3 Tri-party Repo 2.35 0.20 0.20 0.19 80281951 6634836 6874488 6166902
1.2 Forex Clearing 24.92 2.28 2.04 2.27 80984671 7329087 6537554 7795104
1.3 Rupee Derivatives @ 1.31 0.13 0.09 0.07 7757636 859897 647444 457973
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 2700.16 248.01 238.26 278.47 170886670 16122902 14614297 18128366
1.1 Customer Transactions 2686.04 246.66 237.09 277.25 152406168 14416322 13083464 16588625
1.2 Interbank Transactions 14.12 1.35 1.17 1.22 18480503 1706580 1530833 1539741
II Retail                
2 Credit Transfers - Retail 1486106.89 100851.12 137733.21 152969.08 67542859 5906936 6039675 7152557
2.1 AePS (Fund Transfers) @ 3.92 0.36 0.32 0.34 261 24 21 22
2.2 APBS $ 25888.17 1932.07 2965.77 3014.53 390743 26400 48312 44707
2.3 IMPS 60053.35 4970.56 5346.35 5806.36 6495652 546235 568092 634706
2.4 NACH Cr $ 16227.27 1962.73 1504.81 1808.71 1525104 178757 123887 173928
2.5 NEFT 72639.50 5469.06 6889.23 7939.10 39136014 3750569 3471495 4320840
2.6 UPI @ 1311294.68 86516.34 121026.73 134400.04 19995086 1404951 1827869 1978353
2.6.1 of which USSD @ 26.19 1.50 1.66 1.78 352 18 19 20
3 Debit Transfers and Direct Debits 18249.53 1403.39 1611.25 1661.00 1687658 126113 153734 165047
3.1 BHIM Aadhaar Pay @ 193.59 12.92 15.43 22.68 6112 492 376 584
3.2 NACH Dr $ 16426.49 1246.53 1464.78 1492.00 1678769 125376 153173 164223
3.3 NETC (linked to bank account) @ 1629.45 143.94 131.04 146.32 2777 246 184 240
4 Card Payments 58469.79 5016.79 4634.92 5034.13 2423563 191035 190658 209208
4.1 Credit Cards 35610.15 2634.29 3112.44 3439.38 1831134 137311 149206 164459
4.1.1 PoS based $ 18614.08 1404.60 1618.50 1800.04 651911 50920 54431 60378
4.1.2 Others $ 16996.08 1229.69 1493.94 1639.34 1179223 86391 94775 104081
4.2 Debit Cards 22859.64 2382.50 1522.47 1594.75 592429 53724 41452 44749
4.2.1 PoS based $ 16477.95 1652.35 1108.96 1163.77 393589 35222 27918 29309
4.2.2 Others $ 6381.69 730.15 413.51 430.98 198840 18502 13534 15440
5 Prepaid Payment Instruments 78775.39 6402.38 6470.84 5804.84 283048 24005 22674 18200
5.1 Wallets 63256.69 5183.32 5211.85 4489.88 234353 19681 18434 13741
5.2 Cards 15518.70 1219.06 1259.00 1314.96 48694 4324 4240 4459
5.2.1 PoS based $ 8429.87 705.70 702.41 699.02 11247 1041 919 964
5.2.2 Others $ 7088.83 513.36 556.58 615.94 37447 3283 3321 3494
6 Paper-based Instruments 6632.10 642.76 541.88 585.31 7212333 706181 602630 688745
6.1 CTS (NPCI Managed) 6632.10 642.76 541.88 585.31 7212333 706181 602630 688745
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) 1648233.71 114316.43 150992.11 166054.36 79149461 6954270 7009371 8233757
Total Payments (1+2+3+4+5+6) 1650933.87 114564.44 151230.37 166332.84 250036131 23077172 21623668 26362123
Total Digital Payments (1+2+3+4+5) 1644301.77 113921.68 150688.49 165747.53 242823798 22370991 21021038 25673378

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2023-24 2023
March
2024 2024 FY 2023-24 2023
March
2024 2024
February March February March
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 1252424.21 81648.69 117275.04 128450.58 30683078 2250094 2828120 3127951
1.1 Intra-bank $ 83000.56 5868.83 7774.97 8771.04 5676805 436885 530845 602816
1.2 Inter-bank $ 1169423.65 75779.86 109500.07 119679.54 25006272 1813209 2297275 2525135
2 Internet Payments (Netbanking / internet browser based) @ 45034.98 3879.51 3800.36 4250.54 102117756 8981727 8867591 10374065
2.1 Intra-bank @ 12033.40 987.21 1008.05 1143.12 53247090 4769894 4540083 5235883
2.2 Inter-bank @ 33001.58 2892.30 2792.31 3107.43 48870666 4211833 4327508 5138182
B. ATMs                
3. Cash Withdrawal at ATMs $ 66440.72 5921.71 5172.34 5563.96 3259388 286761 257238 278271
3.1 Using Credit Cards $ 95.80 8.26 7.91 8.83 4648 402 395 446
3.2 Using Debit Cards $ 66001.01 5878.89 5139.17 5528.63 3241538 284949 255809 276714
3.3 Using Pre-paid Cards $ 343.90 34.56 25.26 26.50 13202 1411 1034 1111
4. Cash Withdrawal at PoS $ 15.18 2.32 0.55 0.53 148 23 5 5
4.1 Using Debit Cards $ 15.06 2.31 0.53 0.51 147 23 5 5
4.2 Using Pre-paid Cards $ 0.12 0.02 0.01 0.02 1 0 0 0
5. Cash Withdrawal at Micro ATMs @ 11754.95 1083.61 812.15 1059.56 314003 30015 21543 27303
5.1 AePS @ 11754.95 1083.61 812.15 1059.56 314003 30015 21543 27303

PART III - Payment Infrastructures (lakh)
  As on March 2024 2023
March
2024 2024
February March
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 10667.22 10465.62 10612.71 10667.22
1.1 Credit Cards 1018.03 853.03 1006.00 1018.03
1.2 Debit Cards 9649.19 9612.59 9606.71 9649.19
2 Number of PPIs @ 16743.63 16441.50 17118.53 16743.63
2.1 Wallets @ 13381.80 13268.53 13795.76 13381.80
2.2 Cards @ 3361.82 3172.97 3322.78 3361.82
3 Number of ATMs and CRMs 2.58 2.59 2.57 2.58
3.1 Bank owned ATMs$ and CRMs# 2.23 2.23 2.23 2.23
3.2 White Label ATMs $ 0.35 0.36 0.34 0.35
4 Number of Micro ATMs @ 17.55 16.11 17.01 17.55
5 Number of PoS Terminals 89.03 77.90 87.73 89.03
6 Bharat QR @ 62.50 53.82 61.50 62.50
7 UPI QR * 3462.03 2563.77 3371.80 3462.03

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
February March February March
1. Card Payments 87.22 98.62 6809 7718
1.1 Credit Cards 53.99 62.55 5002 5734
1.1.1 PoS based 19.65 23.27 1475 1727
1.1.2 Online 34.35 39.27 3527 4006
1.2 Debit Cards 33.22 36.07 1807 1984
1.2.1 PoS based 13.73 14.88 648 683
1.2.2 Online 19.50 21.19 1159 1301
2. Prepaid Payment Instruments 24.16 27.27 946 1058
2.1 PoS based 20.68 23.44 728 836
2.2 Online 3.48 3.83 218 222
3. Cash Withdrawal at ATMs 6.22 6.64 1563 1558
3.1 Using Credit Cards 0.35 0.41 60 70
3.2 Using Debit Cards 4.21 4.45 858 873
3.3 Using PPIs 1.67 1.78 644 616
Total International Payments 117.60 132.53 9318 10334

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 62171.93 0.230 bps
March 2024 2.57 471 67394.38 0.177 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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