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43. Payment System Indicators
Date : Feb 10, 2016
System Volume (Million) Value (₹ Billion)
2014-15 2015 2014-15 2015
Oct. Nov. Dec. Oct. Nov. Dec.
1 2 3 4 5 6 7 8
1 RTGS 92.78 8.34 7.60 8.03 929,332.89 80,764.99 68,045.93 89,031.27
1.1 Customer Transactions 88.39 7.97 7.26 7.67 631,050.74 53,520.48 45,281.08 58,712.64
1.2 Interbank Transactions 4.38 0.37 0.34 0.36 122,981.62 9,845.09 8,614.95 10,211.40
1.3 Interbank Clearing 0.012 0.001 0.001 0.001 175,300.73 17,399.42 14,149.90 20,107.23
2 CCIL Operated Systems 3.03 0.27 0.20 0.25 752,000.42 67,779.96 54,346.61 69,114.62
2.1 CBLO 0.21 0.02 0.02 0.02 167,645.96 13,932.05 12,635.52 15,567.72
2.2 Govt. Securities Clearing 1.09 0.09 0.06 0.08 258,916.76 24,943.03 17,621.84 23,147.93
2.2.1 Outright 0.98 0.08 0.05 0.07 101,561.62 9,325.71 5,068.58 7,946.88
2.2.2 Repo 0.109 0.010 0.010 0.012 157,355.15 15,617.32 12,553.26 15,201.05
2.3 Forex Clearing 1.73 0.16 0.13 0.15 325,437.69 28,904.88 24,089.25 30,398.97
3 Paper Clearing 1,196.51 94.78 81.37 93.75 85,434.14 7,034.90 6,178.45 6,935.57
3.1 Cheque Truncation System (CTS) 964.86 82.97 70.81 82.07 66,769.93 5,806.75 4,988.06 6,026.51
3.2 MICR Clearing 22.43 - - - 1,850.40
3.2.1 RBI Centres 7.50 - - - 614.51
3.2.2 Other Centres 14.93 - - - 1,235.89
3.3 Non-MICR Clearing 209.82 11.81 10.56 11.67 16,939.34 1,228.15 1,190.39 909.06
4 Retail Electronic Clearing 1,687.44 268.99 257.62 290.89 65,365.51 7,704.95 7,021.76 8,174.17
4.1 ECS DR 226.01 20.27 20.05 31.57 1,739.78 160.21 157.77 153.06
4.2 ECS CR (includes NECS) 115.35 4.00 2.09 2.09 2,019.14 95.94 56.31 89.69
4.3 EFT/NEFT 927.55 114.60 99.82 111.55 59,803.83 6,906.88 6,325.87 7,518.12
4.4 Immediate Payment Service (IMPS) 78.37 19.42 19.08 20.52 581.87 137.04 137.67 142.00
4.5 National Automated Clearing House (NACH) 340.17 110.70 116.59 125.15 1,220.88 404.88 344.14 271.30
5 Cards 8,423.99 872.69 840.98 885.85 25,415.27 2,563.44 2,509.56 2,564.71
5.1 Credit Cards 619.41 69.44 66.53 69.90 1,922.63 219.08 210.27 214.69
5.1.1 Usage at ATMs 4.29 0.52 0.49 0.53 23.47 2.70 2.58 2.75
5.1.2 Usage at POS 615.12 68.92 66.04 69.37 1,899.16 216.38 207.69 211.94
5.2 Debit Cards 7,804.57 803.25 774.45 815.95 23,492.65 2,344.36 2,299.29 2,350.02
5.2.1 Usage at ATMs 6,996.48 702.82 674.88 707.87 22,279.16 2,205.24 2,151.14 2,204.23
5.2.2 Usage at POS 808.09 100.43 99.57 108.08 1,213.49 139.12 148.15 145.79
6 Prepaid Payment Instruments (PPIs) 314.46 61.82 62.66 68.67 213.42 38.07 43.40 44.34
6.1 m-Wallet 255.00 49.58 49.83 53.70 81.84 15.45 19.31 20.63
6.2 PPI Cards 58.91 12.20 12.78 14.93 105.35 20.50 21.80 21.28
6.3 Paper Vouchers 0.55 0.04 0.04 0.05 26.24 2.12 2.29 2.42
7 Mobile Banking 171.92 32.48 40.45 39.49 1,035.30 305.68 334.71 490.29
8 Cards Outstanding 574.56 633.66 647.11 659.61
8.1 Credit Card 21.11 22.88 22.48 22.75
8.2 Debit Card 553.45 610.78 624.63 636.86
9 Number of ATMs (in actuals) 181398 190827 192208 193580
10 Number of POS (in actuals) 1126735 1236933 1270208 1245447
11 Grand Total (1.1+1.2+2+3+4+5+6) 11,718.19 1,306.89 1,250.44 1,347.42 1,682,461.11 148,486.89 123,995.81 155,757.44
Note: 1.3: Pertain to multilateral net settlement batches.
3.1: Pertain to two centres - New Delhi and Chennai.
3.3: Pertain to clearing houses managed by 21 banks.
6: Available from December 2010.
7: Include IMPS transactions.

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