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43. Payment System Indicators
Date : Nov 11, 2020
PART I - Payment System Indicators - Payment & Settlement System Statistics
System Volume (Lakh) Value (₹ Crore)
FY 2019-20 2019 2020 FY 2019-20 2019 2020
Sep. Aug. Sep. Sep. Aug. Sep.
1 2 3 4 5 6 7 8
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems (1.1 to 1.3) 2.28 2.70 12576300 13397758
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 0.96 1.08 8614891 9021412
1.1.1 Outright 0.52 0.61 867395 881023
1.1.2 Repo 0.27 0.29 3793333 4115039
1.1.3 Tri-party Repo 0.18 0.19 3954162 4025350
1.2 Forex Clearing 1.28 1.60 3749569 4238877
1.3 Rupee Derivatives @ 0.03 0.03 211840 137470
B. Payment Systems                
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS (1.1 to 1.2) 116.77 130.11 7292380 9489066
1.1 Customer Transactions 115.29 128.49 6382552 7993814
1.2 Interbank Transactions 1.49 1.61 909828 1495252
II Retail                
2 Credit Transfers - Retail (2.1 to 2.7) 23968.09 25506.62 2556825 2817678
2.1 AePS (Fund Transfers) @ 0.89 0.96 46 51
2.2 APBS $ 1196.39 1059.85 8313 6243
2.3 IMPS 2461.25 2796.08 235137 248662
2.4 NACH Cr $ 1775.18 1179.79 84468 68176
2.5 NEFT 2346.09 2468.27 1930552 2165515
2.6 UPI @ 16188.28 18001.67 298308 329032
2.6.1 of which USSD @ 0.92 0.89 15 14
3 Debit Transfers and Direct Debits (3.1 to 3.4) 857.28 926.42 67146 78240
3.1 BHIM Aadhaar Pay @ 19.50 15.28 253 205
3.2 NACH Dr $ 791.81 857.43 66830 77958
3.3 NETC (linked to bank account) @ 45.96 53.71 63 77
4 Card Payments (4.1 to 4.2) 4914.48 5110.11 122089 126220
4.1 Credit Cards (4.1.1 to 4.1.2) 1425.11 1486.71 50311 51134
4.1.1 PoS based $ 659.47 713.37 21001 21986
4.1.2 Others $ 765.64 773.33 29310 29148
4.2 Debit Cards (4.2.1 to 4.2.1) 3489.38 3623.40 71778 75086
4.2.1 PoS based $ 1647.47 1758.83 29525 30422
4.2.2 Others $ 1841.91 1864.57 42253 44664
5 Prepaid Payment Instruments (5.1 to 5.2) 4932.61 4625.96 16808 16683
5.1 Wallets 3967.82 3616.58 13000 13258
5.2 Cards (5.2.1 to 5.2.2) 964.79 1009.37 3808 3425
5.2.1 PoS based $ 29.20 32.50 737 910
5.2.2 Others $ 935.59 976.87 3072 2515
6 Paper-based Instruments (6.1 to 6.2) 519.83 612.71 425462 485243
6.1 CTS (NPCI Managed) 519.72 612.63 425252 485114
6.2 Others 0.11 0.08 210 128
Total - Retail Payments (2+3+4+5+6) 35192.30 36781.81 3188330 3524064
Total Payments (1+2+3+4+5+6) 35309.07 36911.91 10480709 13013130
Total Digital Payments (1+2+3+4+5) 34789.24 36299.21 10055248 12527887

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2019-20 2019 2020 FY 2019-20 2019 2020
Sep. Aug. Sep. Sep. Aug. Sep.
1 2 3 4 5 6 7 8
A. Other Payment Channels                
1 Mobile Payments (mobile app based) (1.1 to 1.2) 19521.47 20919.08 667279 704109
1.1 Intra-bank $ 1682.30 1907.78 138564 145405
1.2 Inter-bank $ 17839.17 19011.30 528715 558703
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 2651.34 2822.04 3006656 3436124
2.1 Intra-bank @ 557.18 594.83 1494618 1678942
2.2 Inter-bank @ 2094.17 2227.20 1512038 1757182
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 4884.50 5094.80 238675 243667
3.1 Using Credit Cards $ 3.66 4.36 184 217
3.2 Using Debit Cards $ 4860.29 5067.91 237778 242649
3.3 Using Pre-paid Cards $ 20.55 22.53 713 801
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 32.48 33.62 134 123
4.1 Using Debit Cards $ 27.89 29.39 129 118
4.2 Using Pre-paid Cards $ 4.60 4.23 5 5
5 Cash Withrawal at Micro ATMs @ 814.30 717.65 19513 17096
5.1 AePS @ 814.30 717.65 19513 17096

PART III - Payment Infrastructures (Lakh)
System FY 2019-20 2019 2020
Sep. Aug. Sep.
  1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 9132.03 9241.29
1.1 Credit Cards 578.31 586.94
1.2 Debit Cards 8553.73 8654.35
2 Number of PPIs @ (2.1 to 2.2) 20134.06 19960.47
2.1 Wallets @ 18482.49 18287.99
2.2 Cards @ 1651.58 1672.48
3 Number of ATMs (3.1 to 3.2) 2.33 2.34
3.1 Bank owned ATMs $ 2.09 2.10
3.2 White Label ATMs $ 0.24 0.24
4 Number of Micro ATMs @ 3.07 3.28
5 Number of PoS Terminals 51.07 51.86
6 Bharat QR @ 22.99 23.96
7 UPI QR * 604.07
@: New inclusion w.e.f. November 2019
$ : 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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