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43. Payment System Indicators
Date : May 14, 2020
PART I - Payment System Indicators - Payment & Settlement System Statistics
System Volume (Lakh) Value (₹ Crore)
FY 2018-19 2019 2020 FY 2018-19 2019 2020
Mar. Feb. Mar. Mar. Feb. Mar.
1 2 3 4 5 6 7 8
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems (1.1 to 1.3) 2.80 3.14 10821111 13808922
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 1.17 1.27 6868007 8427404
1.1.1 Outright 0.82 0.86 1209395 1306083
1.1.2 Repo 0.19 0.23 2604693 3096901
1.1.3 Tri-party Repo 0.16 0.19 3053919 4024420
1.2 Forex Clearing 1.59 1.82 3603514 5034489
1.3 Rupee Derivatives @ 0.04 0.04 349590 347030
B. Payment Systems                
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS (1.1 to 1.2) 133.16 118.95 8990097 12047221
1.1 Customer Transactions 131.07 117.06 7718135 10368946
1.2 Interbank Transactions 2.08 1.89 1271962 1678274
II Retail                
2 Credit Transfers - Retail (2.1 to 2.7) 20409.50 19743.26 2396212 2831185
2.1 AePS (Fund Transfers) @ 0.74 0.66 40 36
2.2 APBS $ 1400.59 1247.79 8889 7951
2.3 ECS Cr 0.00 0.00
2.4 IMPS 2477.98 2168.23 214566 201962
2.5 NACH Cr $ 789.68 1234.43 79707 131109
2.6 NEFT 2483.57 2623.70 1870494 2283665
2.7 UPI @ 13256.93 12468.45 222517 206462
2.7.1 of which USSD @ 0.70 0.68 12 12
3 Debit Transfers and Direct Debits (3.1 to 3.4) 825.70 818.06 73478 76126
3.1 BHIM Aadhaar Pay @ 9.67 8.88 149 141
3.2 ECS Dr 0.00 0.00
3.3 NACH Dr $ 789.31 791.30 73277 75952
3.4 NETC (linked to bank account) @ 26.72 17.88 53 33
4 Card Payments (4.1 to 4.2) 6263.55 5354.85 142294 115877
4.1 Credit Cards (4.1.1 to 4.1.2) 1882.94 1638.57 62148 50574
4.1.1 PoS based $ 1072.50 900.64 33446 26656
4.1.2 Others $ 810.44 737.93 28701 23918
4.2 Debit Cards (4.2.1 to 4.2.1) 4380.60 3716.28 80146 65303
4.2.1 PoS based $ 2455.92 1925.25 36258 27238
4.2.2 Others $ 1924.69 1791.03 43888 38065
5 Prepaid Payment Instruments (5.1 to 5.2) 5026.37 3982.85 17296 15341
5.1 Wallets 3782.82 3178.60 14461 13111
5.2 Cards (5.2.1 to 5.2.2) 1243.55 804.25 2836 2229
5.2.1 PoS based $ 115.30 81.02 1116 1021
5.2.2 Others $ 1128.25 723.23 1719 1209
6 Paper-based Instruments (6.1 to 6.2) 884.95 710.34 659458 565315
6.1 CTS (NPCI Managed) 884.58 710.01 659157 565046
6.2 Others 0.37 0.33 301 269
Total - Retail Payments (2+3+4+5+6) 33410.06 30609.36 3288739 3603844
Total Payments (1+2+3+4+5+6) 33543.21 30728.31 12278836 15651064
Total Digital Payments (1+2+3+4+5) 32658.27 30017.97 11619377 15085750

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
  2019 2020   2019 2020
Mar. Feb. Mar. Mar. Feb. Mar.
1 2 3 4 5 6 7 8
A. Other Payment Channels            
1 Mobile Payments (mobile app based) (1.1 to 1.2) 14284.28 13830.33 525845 520199
1.1 Intra-bank $ 1304.52 1287.27 108332 109624
1.2 Inter-bank $ 12979.75 12543.06 417513 410575
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 2837.88 2530.82 2881819 3420971
2.1 Intra-bank @ 630.85 584.09 1313016 1595574
2.2 Inter-bank @ 2207.03 1946.73 1568803 1825397
B. ATMs            
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 6223.11 5471.63 286463 251075
3.1 Using Credit Cards $ 7.97 7.54 379 360
3.2 Using Debit Cards $ 6187.18 5441.22 285110 249930
3.3 Using Pre-paid Cards $ 27.96 22.87 974 785
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 65.97 33.69 195 110
4.1 Using Debit Cards $ 59.42 30.55 132 105
4.2 Using Pre-paid Cards $ 6.55 3.14 63 5
5 Cash Withrawal at Micro ATMs @ 386.44 344.98 11201 9993
5.1 AePS @ 386.44 344.98 11201 9993

PART III - Payment Infrastructures (Lakh)
System   2019 2020
Mar. Feb. Mar.
1 2 3 4
Payment System Infrastructures      
1 Number of Cards (1.1 to 1.2) 8801.81 8863.07
1.1 Credit Cards 571.58 577.45
1.2 Debit Cards 8230.23 8285.62
2 Number of PPIs @ (2.1 to 2.2) 18000.38 18251.64
2.1 Wallets @ 16809.60 17032.85
2.2 Cards @ 1190.78 1218.79
3 Number of ATMs (3.1 to 3.2) 2.34 2.34
3.1 Bank owned ATMs $ 2.11 2.11
3.2 White Label ATMs $ 0.23 0.23
4 Number of Micro ATMs @ 2.64 2.71
5 Number of PoS Terminals 50.99 51.39
6 Bharat QR @ 18.96 20.27
@: 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; digtal 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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