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Date : Sep 18, 2020
Table 66 : Payment Systems Indicators
(Volume in Lakh; Value in ₹ Crore)
  2015-16 2016-17 2017-18
Volume Value Volume Value Volume Value
A. Settlement Systems            
CCIL Operated Systems 31 80737042 37 105617336 35 107480202
B. Payment Systems            
1. Large Value Credit Transfers - RTGS 983 82457801 1079 98190376 1244 116712478
Retail Segment            
2. Credit Transfers 28536 8901828 38381 12858406 58792 18814287
2.1 AePS (Fund Transfers) - - 1 51 6 300
2.2 APBS 7175 18598 9491 34838 12980 55949
2.3 ECS Cr 390 105944 101 14408 61 11864
2.4 IMPS 2208 162226 5067 411106 10098 892498
2.5 NACH Cr 6234 287751 7319 387074 7031 520992
2.6 NEFT 12529 8327311 16221 12003968 19464 17222852
2.7 UPI - - 180 6961 9152 109832
3. Debit Transfers and Direct Debits 2769 230354 2952 308855 3788 399300
3.1 BHIM Aadhaar Pay - - - - 20 78
3.2 ECS Dr 2248 165150 88 3914 15 972
3.3 NACH Dr 521 65204 2865 304941 3738 398211
3.4 NETC (linked to bank account) - - - - 15 39
4. Card Payments 19593 399588 34864 658289 47486 919035
4.1 Credit Cards 7857 240662 10871 328382 14052 458965
4.2 Debit Cards 11736 158927 23993 329907 33434 460070
5. Prepaid Payment Instruments 7480 48758 19637 83801 34591 141634
6. Paper-based Instruments 10964 8186079 12067 8095815 11713 8193493
Total - Retail Payments (2+3+4+5+6) 69341 17766608 107901 22005165 156370 28467749
Total Payments (1+2+3+4+5+6) 70325 100224409 108979 120195541 157614 145180227
Total Digital Payments (1+2+3+4+5) 59361 92038330 96912 112099726 145901 136986734
(Continued)

TABLE 66 : PAYMENT SYSTEM INDICATORS (concld.)
(Volume in Lakh; Value in ₹ Crore)
  2018-19 2019-20
Volume Value Volume Value
A. Settlement Systems        
CCIL Operated Systems 36 116551038 36 134150192
B. Payment Systems        
1. Large Value Credit Transfers - RTGS 1366 135688187 1507 131156475
Retail Segment        
2. Credit Transfers 118751 26097655 206662 28572100
2.1 AePS (Fund Transfers) 11 501 10 469
2.2 APBS 15032 86734 16805 99448
2.3 ECS Cr 54 13235 18 5145
2.4 IMPS 17529 1590257 25792 2337541
2.5 NACH Cr 9021 736349 11406 1052187
2.6 NEFT 23189 22793608 27445 22945580
2.7 UPI 53915 876971 125186 2131730
3. Debit Transfers and Direct Debits 6382 656233 8957 826036
3.1 BHIM Aadhaar Pay 68 815 91 1303
3.2 ECS Dr 9 1260 1 39
3.3 NACH Dr 6299 654138 8768 824491
3.4 NETC (linked to bank account) 6 20 97 203
4. Card Payments 61769 1196888 73012 1535765
4.1 Credit Cards 17626 603413 21773 730895
4.2 Debit Cards 44143 593475 51239 804870
5. Prepaid Payment Instruments 46072 213323 53318 215558
6. Paper-based Instruments 11238 8246065 10414 7824821
Total - Retail Payments (2+3+4+5+6) 244212 36410164 352363 38974280
Total Payments (1+2+3+4+5+6) 245578 172098351 353870 170130755
Total Digital Payments (1+2+3+4+5) 234340 163852286 343456 162305934
Note: 1. RTGS system includes customer and inter-bank transactions only.
2. Settlement of CBLO, government securities clearing and forex transactions is through the Clearing Corporation of India Ltd. (CCIL). Government Securities include outright trades and both legs of repo transactions and Tri-party repo transactions.
3. The figures for cards are for transactions at point of sale (POS) terminals only which include online transactions.
4. Figures in the columns might not add up to the total due to rounding off of numbers.
5. '-' : Not applicable for this period. UPI and AePS (Fund Transfer) were introduced in FY 2016-17; BHIM Aadhar Pay and NETC (linked to bank account) were introduced in FY 2017-18.
Source: Reserve Bank of India.

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