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43. Payment System Indicators
Date : Feb 20, 2024
PART I - Payment System Indicators - Payment & Settlement System Statistics
System Volume (Lakh) Value (₹ Crore)
FY 2022-23 2022 2023 FY 2022-23 2022 2023
Dec. Nov. Dec. Dec. Nov. Dec.
1 2 3 4 5 6 7 8
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems (1.1 to 1.3) 41.44 3.42 3.08 3.41 258797336 22326077 21011085 22228644
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 15.00 1.19 1.24 1.29 172251292 15144169 13568124 14220985
1.1.1 Outright 7.99 0.60 0.64 0.69 10090700 711065 939382 1009116
1.1.2 Repo 4.07 0.36 0.41 0.40 68032487 6125370 5919154 5903343
1.1.3 Tri-party Repo 2.94 0.23 0.19 0.20 94128105 8307734 6709589 7308526
1.2 Forex Clearing 25.16 2.16 1.74 2.01 78932050 6670289 6922315 7392675
1.3 Rupee Derivatives @ 1.27 0.07 0.10 0.11 7613994 511620 520645 614984
B. Payment Systems                
I Financial Market Infrastructures (FMIs) - - - - - - - -
1 Credit Transfers - RTGS (1.1 to 1.2) 2425.62 215.03 219.20 230.39 149946286 13736057 13591443 15888778
1.1 Customer Transactions 2411.19 213.80 218.05 229.23 131667176 12180091 12078797 14244586
1.2 Interbank Transactions 14.43 1.23 1.15 1.16 18279111 1555966 1512645 1644192
II Retail                
2 Credit Transfers - Retail (2.1 to 2.6) 983620.84 90675.95 128072.73 134755.92 55009620 4928331 5673303 5917191
2.1 AePS (Fund Transfers) @ 5.90 0.32 0.30 0.32 356 21 19 23
2.2 APBS $ 17833.95 1157.66 3221.01 1580.49 247535 20670 47635 27013
2.3 IMPS 56532.64 4858.37 4723.84 4987.93 5585441 486552 535002 570126
2.4 NACH Cr $ 19257.19 1515.84 1380.65 1310.99 1541815 157435 142415 128244
2.5 NEFT 52847.43 4854.81 6394.01 6673.93 33719541 2981681 3208491 3368836
2.6 UPI @ 837143.73 78288.95 112352.92 120202.26 13914932 1281971 1739741 1822949
2.6.1 of which USSD @ 17.21 1.92 2.69 2.06 197 21 37 26
3 Debit Transfers and Direct Debits (3.1 to 3.3) 15343.05 1357.72 1527.84 1557.74 1289611 116425 142456 152705
3.1 BHIM Aadhaar Pay @ 214.22 12.71 18.82 14.09 6791 446 590 478
3.2 NACH Dr $ 13502.52 1198.55 1376.66 1403.46 1280219 115737 141646 151991
3.3 NETC (linked to bank account) @ 1626.31 146.46 132.36 140.19 2601 242 220 237
4 Card Payments (4.1 to 4.2) 63324.72 5223.57 4742.56 4983.16 2152245 185150 210038 213058
4.1 Credit Cards (4.1.1 to 4.1.2) 29145.24 2556.47 2970.90 3215.00 1432255 126524 160644 165119
4.1.1 PoS based $ 15598.46 1405.79 1583.66 1706.70 541932 48611 59015 58300
4.1.2 Others $ 13546.79 1150.68 1387.24 1508.29 890323 77913 101629 106819
4.2 Debit Cards (4.2.1 to 4.2.1 ) 34179.48 2667.10 1771.66 1768.17 719989 58626 49394 47939
4.2.1 PoS based $ 22904.86 1859.33 1301.95 1302.84 476520 39574 34379 32254
4.2.2 Others $ 11274.61 807.77 469.71 465.32 243470 19052 15015 15684
5 Prepaid Payment Instruments (5.1 to 5.2) 74667.44 6354.65 6510.09 7235.20 287111 22648 24248 26173
5.1 Wallets 59112.76 5012.71 5308.63 5960.57 221896 18400 19853 21732
5.2 Cards (5.2.1 to 5.2.2) 15554.69 1341.94 1201.46 1274.63 65215 4248 4394 4441
5.2.1 PoS based $ 1013.09 61.58 662.14 709.65 14777 722 891 915
5.2.2 Others $ 14541.60 1280.37 539.32 564.98 50438 3527 3504 3526
6 Paper-based Instruments (6.1 to 6.2) 7109.28 608.14 525.55 547.23 7172904 619903 558866 592972
6.1 CTS (NPCI Managed) 7109.28 608.14 525.55 547.23 7172904 619903 558866 592972
6.2 Others 0.00
Total - Retail Payments (2+3+4+5+6) 1144065.34 104220.03 141378.76 149079.25 65911490 5872457 6608910 6902099
Total Payments (1+2+3+4+5+6) 1146490.96 104435.06 141597.96 149309.63 215857776 19608515 20200353 22790877
Total Digital Payments (1+2+3+4+5) 1139381.68 103826.92 141072.41 148762.40 208684872 18988611 19641487 22197905

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2022-23 2022 2023 FY 2022-23 2022 2023
Dec. Nov. Dec. Dec. Nov. Dec.
1 2 3 4 5 6 7 8
A. Other Payment Channels                
1 Mobile Payments (mobile app based) (1.1 to 1.2) 805338.23 74415.83 108174.95 115823.37 22031628 1991763 2641060 2798250
1.1 Intra-bank $ 62306.61 5560.78 6927.98 7372.04 4191430 375775 478326 508669
1.2 Inter-bank $ 743031.61 68855.05 101246.97 108451.33 17840197 1615988 2162734 2289581
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 42630.64 3661.95 3622.58 3836.26 91539296 8544692 8033440 9388569
2.1 Intra-bank @ 10703.78 949.91 988.62 1050.96 53506133 4926079 4130936 4862519
2.2 Inter-bank @ 31926.86 2712.04 2633.96 2785.31 38033163 3618612 3902504 4526051
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 69468.87 5891.78 5542.64 5463.57 3305008 280465 276530 269287
3.1 Using Credit Cards $ 88.37 8.13 7.89 8.19 4296 392 391 405
3.2 Using Debit Cards $ 68975.18 5850.33 5505.75 5428.44 3286749 278927 275032 267841
3.3 Using Pre-paid Cards $ 405.32 33.33 28.99 26.94 13963 1146 1107 1041
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 27.73 2.37 0.75 0.66 278 23 7 6
4.1 Using Debit Cards $ 27.41 2.36 0.75 0.66 276 23 7 6
4.2 Using Pre-paid Cards $ 0.33 0.02 0.01 0.00 2 0 0 0
5 Cash Withrawal at Micro ATMs @ 12375.16 934.53 1079.59 929.51 333966 25484 28972 24592
5.1 AePS @ 12375.16 934.53 1079.59 929.51 333966 25484 28972 24592

PART III - Payment Infrastructures (Lakh)
System As on March 2023 2022 2023
Dec. Nov. Dec.
1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 10465.62 10206.53 10725.00 10587.99
1.1 Credit Cards 853.03 811.87 960.01 979.05
1.2 Debit Cards 9612.59 9394.66 9764.99 9608.94
2 Number of PPIs @ (2.1 to 2.2) 16185.22 16234.69 16944.31 17544.34
2.1 Wallets @ 13384.65 13346.64 13758.21 14293.01
2.2 Cards @ 2800.57 2888.05 3186.10 3251.33
3 Number of ATMs (3.1 to 3.2) 2.59 2.57 2.58 2.58
3.1 Bank owned ATMs $ 2.23 2.20 2.24 2.24
3.2 White Label ATMs $ 0.36 0.37 0.34 0.34
4 Number of Micro ATMs @ 16.11 14.19 15.87 16.89
5 Number of PoS Terminals 77.90 75.50 84.32 85.67
6 Bharat QR @ 53.82 49.59 58.74 59.57
7 UPI QR * 2563.77 2361.82 3087.39 3170.66
@: New inclusion w.e.f. November 2019
#: Data reported by Co-operative Banks, LABs and RRBs included with effect from December 2021.
$ : Inclusion separately initiated from November 2019 - would have been part of other items hitherto.
*: New inclusion w.e.f. September 2020; Includes only static UPI QR Code
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.
Part I-A. Settlement systems
1.1.3: Tri- party Repo under the securities segment has been operationalised from November 05, 2018.
Part I-B. Payments systems
4.1.2: ‘Others’ includes e-commerce transactions and digital bill payments through ATMs, etc.
4.2.2: ‘Others’ includes e-commerce transactions, card to card transfers and digital bill payments through ATMs, etc.
5: Available from December 2010.
5.1: includes purchase of goods and services and fund transfer through wallets.
5.2.2: includes usage of PPI Cards for online transactions and other transactions.
6.1: Pertain to three grids – Mumbai, New Delhi and Chennai.
6.2: ‘Others’ comprises of Non-MICR transactions which pertains to clearing houses managed by 21 banks.
Part II-A. Other payment channels
1: Mobile Payments –
o Include transactions done through mobile apps of banks and UPI apps.
o The data from July 2017 includes only individual payments and corporate payments initiated, processed, and authorised using mobile device. Other corporate payments which are not initiated, processed, and authorised using mobile device are excluded.
2: Internet Payments – includes only e-commerce transactions through ‘netbanking’ and any financial transaction using internet banking website of the bank.
Part II-B. ATMs
3.3 and 4.2: only relates to transactions using bank issued PPIs.
Part III. Payment systems infrastructure
3: Includes ATMs deployed by Scheduled Commercial Banks (SCBs) and White Label ATM Operators (WLAOs). WLAs are included from April 2014 onwards.

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