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Date : Sep 15, 2021
Table 63 : Payment Systems Indicators
(Volume in Lakh; Value in ₹ Crore)
  2016-17 2017-18 2018-19
Volume Value Volume Value Volume Value
A. Settlement Systems            
CCIL Operated Systems 37 105617336 35 107480202 36 116551038
B. Payment Systems            
1. Large Value Credit Transfers - RTGS 1079 98190376 1244 116712478 1366 135688187
Retail Segment            
2. Credit Transfers 38381 12858406 58792 18814287 118481 26090471
2.1 AePS (Fund Transfers) 1 51 6 300 11 501
2.2 APBS 9491 34838 12980 55949 14949 86226
2.3 ECS Cr 101 14408 61 11864 54 13235
2.4 IMPS 5067 411106 10098 892498 17529 1590257
2.5 NACH Cr 7319 387074 7031 520992 8834 729673
2.6 NEFT 16221 12003968 19464 17222852 23189 22793608
2.7 UPI 180 6961 9152 109832 53915 876971
3. Debit Transfers and Direct Debits 2952 308855 3788 399300 4913 524556
3.1 BHIM Aadhaar Pay - - 20 78 68 815
3.2 ECS Dr 88 3914 15 972 9 1260
3.3 NACH Dr 2865 304941 3738 398211 4830 522461
3.4 NETC (linked to bank account) - - 15 39 6 20
4. Card Payments 34864 658289 47486 919035 61769 1196888
4.1 Credit Cards 10871 328382 14052 458965 17626 603413
4.2 Debit Cards 23993 329907 33434 460070 44143 593475
5. Prepaid Payment Instruments 19637 83801 34591 141634 46072 213323
6. Paper-based Instruments 12067 8095815 11713 8193493 11238 8246065
Total - Retail Payments (2+3+4+5+6) 107901 22005165 156370 28467749 242473 36271303
Total Payments (1+2+3+4+5+6) 108979 120195541 157614 145180227 243839 171959490
Total Digital Payments (1+2+3+4+5) 96912 112099726 145901 136986734 232601 163713425
(Continued)

TABLE 63 : PAYMENT SYSTEM INDICATORS (concld.)

(Volume in Lakh; Value in ₹ Crore)

 

2019-20

2020-21

Volume

Value

Volume

Value

A. Settlement Systems

 

 

 

 

CCIL Operated Systems

36

134150192

28

161943141

B. Payment Systems

 

 

 

 

1. Large Value Credit Transfers - RTGS

1507

131156475

1592

105599849

Retail Segment

 

 

 

 

2. Credit Transfers

206506

28562857

317852

33522150

2.1 AePS (Fund Transfers)

10

469

11

623

2.2 APBS

16766

99179

14373

112747

2.3 ECS Cr

18

5145

-

-

2.4 IMPS

25792

2337541

32783

2941500

2.5 NACH Cr

11290

1043212

16450

1232714

2.6 NEFT

27445

22945580

30928

25130910

2.7 UPI

125186

2131730

223307

4103658

3. Debit Transfers and Direct Debits

7525

719708

10441

872399

3.1 BHIM Aadhaar Pay

91

1303

161

2580

3.2 ECS Dr

1

39

-

-

3.3 NACH Dr

7340

718166

9630

868906

3.4 NETC (linked to bank account)

93

200

650

913

4. Card Payments

72384

1434813

57787

1291799

4.1 Credit Cards

21773

730894

17641

630414

4.2 Debit Cards

50611

703920

40146

661385

5. Prepaid Payment Instruments

53318

215558

49392

197695

6. Paper-based Instruments

10414

7824822

6704

5627189

Total - Retail Payments (2+3+4+5+6)

350147

38757758

442175

41511233

Total Payments (1+2+3+4+5+6)

351653

169914233

443767

147111081

Total Digital Payments (1+2+3+4+5)

341239

162089411

437064

141483892

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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