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43. Payment System Indicators
Date : Dec 24, 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
Oct. Sep. Oct. Oct. Sep. Oct.
1 2 3 4 5 6 7 8
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems (1.1 to 1.3) 2.70 2.44 13397758 12416671
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 1.08 1.06 9021412 8849617
1.1.1 Outright 0.61 0.61 881023 900488
1.1.2 Repo 0.29 0.27 4115039 4108317
1.1.3 Tri-party Repo 0.19 0.18 4025350 3840812
1.2 Forex Clearing 1.60 1.36 4238877 3435633
1.3 Rupee Derivatives @ 0.03 0.02 137470 131420
B. Payment Systems                
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS (1.1 to 1.2) 130.11 138.22 9489066 8496046
1.1 Customer Transactions 128.49 136.54 7993814 7226105
1.2 Interbank Transactions 1.61 1.68 1495252 1269941
II Retail                
2 Credit Transfers - Retail (2.1 to 2.7) 25506.62 28646.23 2817678 2993114
2.1 AePS (Fund Transfers) @ 0.96 1.02 51 57
2.2 APBS $ 1059.85 961.85 6243 5531
2.3 IMPS 2796.08 3189.72 248662 274645
2.4 NACH Cr $ 1179.79 1015.80 68176 91386
2.5 NEFT 2468.27 2761.65 2165515 2235389
2.6 UPI @ 18001.67 20716.19 329032 386107
2.6.1 of which USSD @ 0.89 0.97 14 16
3 Debit Transfers and Direct Debits (3.1 to 3.4) 926.42 920.15 78240 79305
3.1 BHIM Aadhaar Pay @ 15.28 10.55 205 192
3.2 NACH Dr $ 857.43 848.34 77958 79022
3.3 NETC (linked to bank account) @ 53.71 61.26 77 91
4 Card Payments (4.1 to 4.2) 5110.11 5863.58 126220 168169
4.1 Credit Cards (4.1.1 to 4.1.2) 1486.71 1718.03 51134 64652
4.1.1 PoS based $ 713.37 818.33 21986 26956
4.1.2 Others $ 773.33 899.70 29148 37696
4.2 Debit Cards (4.2.1 to 4.2.1 ) 3623.40 4145.55 75086 103517
4.2.1 PoS based $ 1758.83 1983.98 30422 37110
4.2.2 Others $ 1864.57 2161.57 44664 66408
5 Prepaid Payment Instruments (5.1 to 5.2) 4625.96 4589.96 16683 17802
5.1 Wallets 3616.58 3631.45 13258 13696
5.2 Cards (5.2.1 to 5.2.2) 1009.37 958.51 3425 4106
5.2.1 PoS based $ 32.50 37.11 910 1045
5.2.2 Others $ 976.87 921.40 2515 3061
6 Paper-based Instruments (6.1 to 6.2) 612.71 643.08 485243 524090
6.1 CTS (NPCI Managed) 612.63 643.08 485114 524090
6.2 Others 0.08 0.00 128
Total - Retail Payments (2+3+4+5+6) 36781.81 40663.00 3524064 3782480
Total Payments (1+2+3+4+5+6) 36911.91 40801.21 13013130 12278526
Total Digital Payments (1+2+3+4+5) 36299.21 40158.13 12527887 11754436

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2019-20 2019 2020 FY 2019-20 2019 2020
Oct. Sep. Oct. Oct. Sep. Oct.
1 2 3 4 5 6 7 8
A. Other Payment Channels                
1 Mobile Payments (mobile app based) (1.1 to 1.2) 20919.08 22713.54 704109 796402
1.1 Intra-bank $ 1907.78 2103.16 145405 158866
1.2 Inter-bank $ 19011.30 20610.38 558703 637535
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 2822.04 2977.78 3436124 3407315
2.1 Intra-bank @ 594.83 619.27 1678942 1646090
2.2 Inter-bank @ 2227.20 2358.51 1757182 1761225
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 5094.80 5688.24 243667 271622
3.1 Using Credit Cards $ 4.36 4.85 217 240
3.2 Using Debit Cards $ 5067.91 5658.36 242649 270488
3.3 Using Pre-paid Cards $ 22.53 25.04 801 893
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 33.62 42.54 123 156
4.1 Using Debit Cards $ 29.39 29.24 118 129
4.2 Using Pre-paid Cards $ 4.23 13.30 5 27
5 Cash Withrawal at Micro ATMs @ 717.65 720.69 17096 18354
5.1 AePS @ 717.65 720.69 17096 18354

PART III - Payment Infrastructures (Lakh)
System FY 2019-20 2019 2020
Oct. Sep. Oct.
  1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 9241.29 9335.85
1.1 Credit Cards 586.94 594.20
1.2 Debit Cards 8654.35 8741.65
2 Number of PPIs @ (2.1 to 2.2) 19960.47 19360.27
2.1 Wallets @ 18287.99 17795.35
2.2 Cards @ 1672.48 1564.92
3 Number of ATMs (3.1 to 3.2) 2.34 2.34
3.1 Bank owned ATMs $ 2.10 2.10
3.2 White Label ATMs $ 0.24 0.24
4 Number of Micro ATMs @ 3.28 3.49
5 Number of PoS Terminals 51.86 53.94
6 Bharat QR @ 22.99 26.05
7 UPI QR * 604.07 657.45
@: 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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