Click here to Visit the RBI’s new website

BBBPLogo

Payment System Indicators

download file (363 kb) or PDF document (118 kb)
Payment System Indicators - May 2024
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
Volume (lakh) Value (₹ crore)
FY 2023-24 2023
May
2024 2024 FY 2023-24 2023
May
2024 2024
April May April May
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 43.04 4.03 3.53 4.07 259206893 22537634 22115118 22018913
1.1 Govt. Securities Clearing 16.80 1.63 1.25 1.60 170464587 15227196 14132535 14632648
1.1.1 Outright 9.51 0.98 0.68 0.98 13463848 1326724 1023439 1363203
1.1.2 Repo 4.94 0.45 0.38 0.43 76718788 7732270 6510577 6669493
1.1.3 Tri-party Repo 2.35 0.20 0.19 0.19 80281951 6168201 6598519 6599952
1.2 Forex Clearing 24.92 2.23 2.17 2.37 80984671 6189356 7343662 6780829
1.3 Rupee Derivatives @ 1.31 0.17 0.11 0.10 7757636 1121082 638922 605436
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 2700.16 220.46 235.59 249.71 170886670 12882587 14433296 15186947
1.1 Customer Transactions 2686.04 219.21 234.46 248.49 152406168 11413321 12800746 13559606
1.2 Interbank Transactions 14.12 1.25 1.12 1.22 18480503 1469266 1632550 1627340
II Retail                
2 Credit Transfers - Retail 1486106.89 107130.93 149083.29 156773.59 67542859 5196720 5845989 6279019
2.1 AePS (Fund Transfers) @ 3.92 0.34 0.29 0.31 261 23 19 18
2.2 APBS $ 25888.17 1838.94 2535.32 2295.50 390743 31424 36959 37499
2.3 IMPS 60053.35 5015.49 5503.65 5576.99 6495652 527558 592279 606167
2.4 NACH Cr $ 16227.27 1227.66 964.06 1074.61 1525104 122239 121718 132404
2.5 NEFT 72639.50 4896.66 7040.03 7467.75 39136014 3026331 3130549 3457995
2.6 UPI @ 1311294.68 94151.85 133039.94 140358.43 19995086 1489145 1964465 2044937
2.6.1 of which USSD @ 26.19 1.75 1.52 1.62 352 21 18 17
3 Debit Transfers and Direct Debits 18249.53 1457.43 1644.10 1698.67 1687658 125654 159006 167035
3.1 BHIM Aadhaar Pay @ 193.59 15.45 20.50 19.33 6112 535 563 506
3.2 NACH Dr $ 16426.49 1288.88 1494.37 1539.23 1678769 124864 158223 166305
3.3 NETC (linked to bank account) @ 1629.45 153.10 129.23 140.11 2777 256 220 225
4 Card Payments 58469.79 4974.51 4960.12 5105.17 2423563 193436 200409 208520
4.1 Credit Cards 35610.15 2734.74 3441.51 3601.36 1831134 140660 156498 164955
4.1.1 PoS based $ 18614.08 1419.98 1843.36 1906.58 651911 50811 61982 63831
4.1.2 Others $ 16996.08 1314.76 1598.15 1694.78 1179223 89849 94516 101124
4.2 Debit Cards 22859.64 2239.77 1518.61 1503.82 592429 52776 43911 43565
4.2.1 PoS based $ 16477.95 1592.87 1126.33 1114.38 393589 35589 30022 29772
4.2.2 Others $ 6381.69 646.89 392.28 389.44 198840 17187 13889 13793
5 Prepaid Payment Instruments 78775.40 7064.30 5288.79 5496.00 283048 24240 14964 16697
5.1 Wallets 63256.69 5669.85 3993.29 4204.49 234353 20339 10507 11566
5.2 Cards 15518.71 1394.45 1295.49 1291.51 48695 3901 4457 5131
5.2.1 PoS based $ 8429.87 721.63 695.13 689.94 11247 1190 962 1027
5.2.2 Others $ 7088.84 672.82 600.37 601.57 37447 2711 3495 4104
6 Paper-based Instruments 6632.10 572.39 525.73 524.39 7212333 627772 667829 611518
6.1 CTS (NPCI Managed) 6632.10 572.39 525.73 524.39 7212333 627772 667829 611518
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 121199.56 161502.02 169597.82 79149461 6167822 6888198 7282789
Total Payments (1+2+3+4+5+6) 1650933.88 121420.02 161737.61 169847.53 250036131 19050409 21321494 22469736
Total Digital Payments (1+2+3+4+5) 1644301.78 120847.63 161211.88 169323.14 242823799 18422637 20653665 21858218

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2023-24 2023
May
2024 2024 FY 2023-24 2023
May
2024 2024
April May April May
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 1252599.21 87100.70 128494.90 134522.21 30687088 2268479 2993601 3126317
1.1 Intra-bank $ 83000.56 6127.73 8743.81 9224.51 5676805 424314 566077 585196
1.2 Inter-bank $ 1169598.65 80972.97 119751.09 125297.71 25010283 1844165 2427524 2541120
2 Internet Payments (Netbanking / internet browser based) @ 45034.98 3598.99 3756.42 3771.12 102117736 7800962 8807528 8705212
2.1 Intra-bank @ 12033.28 916.90 964.52 1010.25 53247042 4116658 4498614 4276566
2.2 Inter-bank @ 33001.71 2682.09 2791.90 2760.86 48870694 3684304 4308914 4428645
B. ATMs                
3. Cash Withdrawal at ATMs $ 66440.72 5694.72 5240.40 5166.41 3259388 279621 265905 260240
3.1 Using Credit Cards $ 95.80 7.73 9.07 8.63 4648 366 458 441
3.2 Using Debit Cards $ 66001.01 5655.91 5207.60 5133.52 3241538 278080 264457 258785
3.3 Using Pre-paid Cards $ 343.90 31.09 23.73 24.26 13202 1175 990 1014
4. Cash Withdrawal at PoS $ 15.18 2.33 0.52 0.33 148 23 5 3
4.1 Using Debit Cards $ 15.06 2.31 0.50 0.31 147 23 5 3
4.2 Using Pre-paid Cards $ 0.12 0.02 0.02 0.02 1 0 0 0
5. Cash Withdrawal at Micro ATMs @ 11754.95 979.64 919.05 879.79 314003 27469 24502 22804
5.1 AePS @ 11754.95 979.64 919.05 879.79 314003 27469 24502 22804

PART III - Payment Infrastructures (lakh)
  As on March 2024 2023
May
2024 2024
April May
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 10667.22 10616.74 10719.55 10780.74
1.1 Credit Cards 1018.03 877.47 1025.40 1033.00
1.2 Debit Cards 9649.19 9739.26 9694.15 9747.74
2 Number of PPIs @ 16743.63 16638.55 14716.82 14829.77
2.1 Wallets @ 13381.80 13373.56 11294.83 11302.14
2.2 Cards @ 3361.82 3264.98 3421.99 3527.63
3 Number of ATMs and CRMs 2.58 2.56 2.57 2.57
3.1 Bank owned ATMs$ and CRMs# 2.23 2.20 2.23 2.22
3.2 White Label ATMs $ 0.35 0.36 0.35 0.36
4 Number of Micro ATMs @ 17.55 14.66 17.37 15.62
5 Number of PoS Terminals 89.03 79.61 88.39 88.04
6 Bharat QR @ 62.50 55.45 60.73 61.21
7 UPI QR * 3462.03 2667.57 3195.01 3300.27

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
April May April May
1. Card Payments 98.04 117.22 7915 9649
1.1 Credit Cards 62.21 76.62 5870 7276
1.1.1 PoS based 24.29 33.44 1719 2466
1.1.2 Online 37.92 43.18 4151 4809
1.2 Debit Cards 35.83 40.60 2045 2374
1.2.1 PoS based 15.82 19.40 702 928
1.2.2 Online 20.01 21.20 1343 1446
2. Prepaid Payment Instruments 27.34 37.82 1081 1585
2.1 PoS based 23.74 33.48 854 1306
2.2 Online 3.60 4.35 227 280
3. Cash Withdrawal at ATMs 6.51 7.11 1499 1662
3.1 Using Credit Cards 0.40 0.45 67 81
3.2 Using Debit Cards 4.38 4.65 854 898
3.3 Using PPIs 1.72 2.01 578 683
Total International Payments 131.89 162.16 10495 12897

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
May 2024 2.81 545 62637.44 0.240 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.

Top