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43. Payment System Indicators
Date : Jan 11, 2020
PART I - Payment & Settlement System Statistics
System Volume
(Lakh)
Value
(₹ Crore)
2018-19 2018 2019 2018-19 2018 2019
Nov. Oct. Nov. Nov. Oct. Nov.
1 2 3 4 5 6 7 8
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems (1.1 to 1.3) 2.78 10655649
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 1.01 6869045
1.1.1 Outright 0.63 862104
1.1.2 Repo 0.19 2359755
1.1.3 Tri-party Repo 0.19 3647186
1.2 Forex Clearing 1.74 3525359
1.3 Rupee Derivatives @ 0.04 261245
B. Payment Systems                
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS (1.1 to 1.2) 133.87 8679806
1.1 Customer Transactions 131.61 7469569
1.2 Interbank Transactions 2.27 1210237
II Retail                
2 Credit Transfers - Retail (2.1 to 2.7) 18750.31 2226286
2.1 AePS (Fund Transfers) @ 0.64 33
2.2 APBS $ 1364.56 6908
2.3 ECS Cr 0.00
2.4 IMPS 2280.75 202904
2.5 NACH Cr $ 722.06 92562
2.6 NEFT 2194.59 1734651
2.7 UPI @ 12187.71 189229
2.7.1 of which USSD @ 0.74 13
3 Debit Transfers and Direct Debits (3.1 to 3.4) 766.41 70199
3.1 BHIM Aadhaar Pay @ 6.46 97
3.2 ECS Dr 0.00
3.3 NACH Dr $ 758.18 70097
3.4 NETC (linked to bank account) @ 1.77 5
4 Card Payments (4.1 to 4.2) 6062.09 137707
4.1 Credit Cards (4.1.1 to 4.1.2) 1762.12 60130
4.1.1 PoS based $ 1033.52 31730
4.1.2 Others $ 728.60 28401
4.2 Debit Cards (4.2.1 to 4.2.1) 4299.96 77577
4.2.1 PoS based $ 2483.18 37007
4.2.2 Others $ 1816.79 40570
5 Prepaid Payment Instruments (5.1 to 5.2) 4672.07 17844
5.1 Wallets 3354.08 14652
5.2 Cards (5.2.1 to 5.2.2) 1317.99 3192
5.2.1 PoS based $ 123.86 738
5.2.2 Others $ 1194.13 2454
6 Paper-based Instruments (6.1 to 6.2) 866.12 644802
6.1 CTS (NPCI Managed) 864.86 643678
6.2 Others 1.26 1124
Total - Retail Payments (2+3+4+5+6) 31117.01 3096840
Total Payments (1+2+3+4+5+6) 31250.88 11776646
Total Digital Payments (1+2+3+4+5) 30384.76 11131843

PART II - Payment Modes and Channels
System Volume
(Lakh)
Value
(₹ Crore)
2018-19 2018 2019 2018-19 2018 2019
Nov. Oct. Nov. Nov. Oct. Nov.
1 2 3 4 5 6 7 8
A. Other Payment Channels                
1 Mobile Payments (mobile app based) (1.1 to 1.2) 13623.07 471295
1.1 Intra-bank $ 1323.68 96802
1.2 Inter-bank $ 12299.40 374494
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 2552.21 2193730
2.1 Intra-bank @ 559.52 947068
2.2 Inter-bank @ 1992.69 1246662
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 6305.28 293580
3.1 Using Credit Cards $ 7.99 381
3.2 Using Debit Cards $ 6269.60 284083
3.3 Using Pre-paid Cards $ 27.68 9116
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 66.63 173
4.1 Using Debit Cards $ 62.30 125
4.2 Using Pre-paid Cards $ 4.32 48
5 Cash Withrawal at Micro ATMs @ 339.83 9648
5.1 AePS @ 339.83 9648

PART III - Payment Infrastructures (lakh)
System 2018-19 2018 2019
Nov. Oct. Nov.
1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 8851.69
1.1 Credit Cards 544.11
1.2 Debit Cards 8307.59
2 Number of PPIs @ (2.1 to 2.2) 17253.28
2.1 Wallets @ 16243.87
2.2 Cards @ 1009.41
3 Number of ATMs (3.1 to 3.2) 2.32
3.1 Bank owned ATMs $ 2.10
3.2 White Label ATMs $ 0.22
4 Number of Micro ATMs @ 2.35
5 Number of PoS Terminals 48.83
6 Bharat QR @ 15.94
@: New inclusion w.e.f. November 2019
$ : Inclusion separately initiated from November 2019 - would have been part of other items hitherto.
Note : 1. Data is provisional.
2. The data for November 2019 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.
3. Only domestic financial transactions are considered. The new format captures e-commerce transactions; transactions using FASTags; cash deposits, bill payments and card-to-card transfer through ATMs, etc.. Also, failed transactions, chargebacks, reversals, expired cards/ wallets, are excluded.
1.3: Pertain to multilateral net settlement batches.
3.1: Pertain to three centres – Mumbai, New Delhi and Chennai.
3.3: Pertain to clearing houses managed by 21 banks.
6: Available from December 2010.
7: Include IMPS transactions.
9: Includes ATMs deployed by Scheduled Commercial banks and White Label ATMs (WLA). WLA are included from April 2014 onwards.
Mobile Banking - 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.

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