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Payment System Indicators

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Payment System Indicators - April 2024
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2023-24 2023
April
2024 2024 FY 2023-24 2023
April
2024 2024
March April March April
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 43.04 3.21 3.48 3.53 259206893 20115131 21627756 22115118
1.1 Govt. Securities Clearing 16.80 1.32 1.14 1.25 170464587 13093142 13374679 14132535
1.1.1 Outright 9.51 0.79 0.60 0.68 13463848 1158660 981057 1023439
1.1.2 Repo 4.94 0.36 0.35 0.38 76718788 6633808 6226720 6510577
1.1.3 Tri-party Repo 2.35 0.17 0.19 0.19 80281951 5300674 6166902 6598519
1.2 Forex Clearing 24.92 1.79 2.27 2.17 80984671 6450151 7795104 7343662
1.3 Rupee Derivatives @ 1.31 0.09 0.07 0.11 7757636 571838 457973 638922
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 2700.16 201.57 278.47 235.59 170886670 11876806 18128366 14433296
1.1 Customer Transactions 2686.04 200.44 277.25 234.46 152406168 10452024 16588625 12800746
1.2 Interbank Transactions 14.12 1.13 1.22 1.12 18480503 1424781 1539741 1632550
II Retail                
2 Credit Transfers - Retail 1486106.89 100492.45 152969.08 149083.29 67542859 4834441 7152557 5845989
2.1 AePS (Fund Transfers) @ 3.92 0.36 0.34 0.29 261 25 22 19
2.2 APBS $ 25888.17 1066.77 3014.53 2535.32 390743 19744 44707 36959
2.3 IMPS 60053.35 4957.93 5806.36 5503.65 6495652 521050 634706 592279
2.4 NACH Cr $ 16227.27 1009.42 1808.71 964.06 1525104 117079 173928 121718
2.5 NEFT 72639.50 4825.37 7939.10 7040.03 39136014 2761038 4320840 3130549
2.6 UPI @ 1311294.68 88632.60 134400.04 133039.94 19995086 1415505 1978353 1964465
2.6.1 of which USSD @ 26.19 1.64 1.78 1.52 352 19 20 18
3 Debit Transfers and Direct Debits 18249.53 1398.58 1661.00 1644.10 1687658 120185 165047 159006
3.1 BHIM Aadhaar Pay @ 193.59 16.09 22.68 20.50 6112 604 584 563
3.2 NACH Dr $ 16426.49 1242.93 1492.00 1494.37 1678769 119338 164223 158223
3.3 NETC (linked to bank account) @ 1629.45 139.56 146.32 129.23 2777 243 240 220
4 Card Payments 58469.79 4887.94 5034.13 4960.12 2423563 187396 209208 200409
4.1 Credit Cards 35610.15 2592.55 3439.38 3441.51 1831134 132769 164459 156498
4.1.1 PoS based $ 18614.08 1408.20 1800.04 1843.36 651911 51624 60378 61982
4.1.2 Others $ 16996.08 1184.35 1639.34 1598.15 1179223 81144 104081 94516
4.2 Debit Cards 22859.64 2295.38 1594.75 1518.61 592429 54627 44749 43911
4.2.1 PoS based $ 16477.95 1633.96 1163.77 1126.33 393589 37647 29309 30022
4.2.2 Others $ 6381.69 661.43 430.98 392.28 198840 16980 15440 13889
5 Prepaid Payment Instruments 78775.40 6442.16 5804.85 5288.79 283048 22634 18200 14964
5.1 Wallets 63256.69 5153.28 4489.88 3993.29 234353 18901 13741 10507
5.2 Cards 15518.71 1288.88 1314.97 1295.49 48695 3733 4459 4457
5.2.1 PoS based $ 8429.87 676.69 699.02 695.13 11247 1079 964 962
5.2.2 Others  $ 7088.84 612.19 615.95 600.37 37447 2653 3495 3495
6 Paper-based Instruments 6632.10 554.06 585.31 525.73 7212333 639281 688745 667829
6.1 CTS (NPCI Managed) 6632.10 554.06 585.31 525.73 7212333 639281 688745 667829
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 113775.18 166054.37 161502.02 79149461 5803936 8233757 6888198
Total Payments (1+2+3+4+5+6) 1650933.88 113976.75 166332.85 161737.61 250036131 17680742 26362123 21321494
Total Digital Payments (1+2+3+4+5) 1644301.78 113422.69 165747.54 161211.88 242823799 17041461 25673378 20653665

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2023-24 2023
April
2024 2024 FY 2023-24 2023
April
2024 2024
March April March April
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 1252599.21 83357.17 128625.58 128494.90 30687088 2154813 3131961 2993588
1.1 Intra-bank $ 83000.56 5789.55 8771.04 8743.81 5676805 402248 602816 566077
1.2 Inter-bank $ 1169598.65 77567.62 119854.54 119751.09 25010283 1752564 2529145 2427511
2 Internet Payments (Netbanking / internet browser based) @ 45034.98 3406.05 4250.54 3756.42 102117736 7036658 10374045 8806290
2.1 Intra-bank @ 12033.28 855.07 1142.99 964.52 53247042 3713764 5235835 4498614
2.2 Inter-bank @ 33001.71 2550.98 3107.55 2791.90 48870694 3322894 5138210 4307676
B. ATMs                
3. Cash Withdrawal at ATMs $ 66440.72 5707.20 5563.96 5240.40 3259388 282873 278271 265905
3.1 Using Credit Cards $ 95.80 7.49 8.83 9.07 4648 357 446 458
3.2 Using Debit Cards $ 66001.01 5667.31 5528.63 5207.60 3241538 281248 276714 264457
3.3 Using Pre-paid Cards $ 343.90 32.40 26.50 23.73 13202 1269 1111 990
4. Cash Withdrawal at PoS $ 15.18 2.11 0.53 0.52 148 21 5 5
4.1 Using Debit Cards $ 15.06 2.09 0.51 0.50 147 21 5 5
4.2 Using Pre-paid Cards $ 0.12 0.02 0.02 0.02 1 0 0 0
5. Cash Withdrawal at Micro ATMs @ 11754.95 998.82 1059.56 919.05 314003 28954 27303 24502
5.1 AePS @ 11754.95 998.82 1059.56 919.05 314003 28954 27303 24502

PART III - Payment Infrastructures (lakh)
  As on March 2024 2023
April
2024 2024
March April
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 10667.22 10535.25 10667.22 10719.55
1.1 Credit Cards 1018.03 865.13 1018.03 1025.40
1.2 Debit Cards 9649.19 9670.12 9649.19 9694.15
2 Number of PPIs @ 16743.63 16585.84 16743.63 14716.82
2.1 Wallets @ 13381.80 13338.66 13381.80 11294.83
2.2 Cards @ 3361.82 3247.17 3361.82 3421.99
3 Number of ATMs and CRMs 2.58 2.55 2.58 2.57
3.1 Bank owned ATMs$ and CRMs# 2.23 2.19 2.23 2.23
3.2 White Label ATMs $ 0.35 0.36 0.35 0.35
4 Number of Micro ATMs @ 17.55 14.28 17.55 17.37
5 Number of PoS Terminals 89.03 78.37 89.03 88.39
6 Bharat QR @ 62.50 54.36 62.50 60.59
7 UPI QR * 3462.03 2609.08 3462.03 3195.01

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
March April March April
1. Card Payments 98.62 98.04 7718 7915
1.1 Credit Cards 62.55 62.21 5734 5870
1.1.1 PoS based 23.27 24.29 1727 1719
1.1.2 Online 39.27 37.92 4006 4151
1.2 Debit Cards 36.07 35.83 1984 2045
1.2.1 PoS based 14.88 15.82 683 702
1.2.2 Online 21.19 20.01 1301 1343
2. Prepaid Payment Instruments 27.27 27.34 1058 1081
2.1 PoS based 23.44 23.74 836 854
2.2 Online 3.83 3.60 222 227
3. Cash Withdrawal at ATMs 6.64 6.51 1558 1499
3.1 Using Credit Cards 0.41 0.40 70 67
3.2 Using Debit Cards 4.45 4.38 873 854
3.3 Using PPIs 1.78 1.72 616 578
Total International Payments 132.53 131.89 10334 10495

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
March 2024 2.57 471 67394.38 0.177 bps
April 2024 2.38 414 70681.81 0.191 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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