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43. Payment System Indicators
Date : Feb 28, 2021
PART I - Payment System Indicators - Payment & Settlement System Statistics
System Volume (Lakh) Value (₹ Crore)
FY 2019-20 2019 2020 FY 2019-20 2019 2020
Dec. Nov. Dec. Dec. Nov. Dec.
1 2 3 4 5 6 7 8
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems (1.1 to 1.3) – 2.83 2.45 2.62 – 12196681 10692192 15757032
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) – 1.04 0.79 1.00 – 8085475 6942678 10816866
1.1.1 Outright – 0.61 0.48 0.51 – 853262 727023 772886
1.1.2 Repo – 0.21 0.12 0.25 – 2950776 1762647 4089804
1.1.3 Tri-party Repo – 0.21 0.19 0.24 – 4281437 4453008 5954176
1.2 Forex Clearing – 1.75 1.64 1.58 – 3831685 3625849 4651382
1.3 Rupee Derivatives @ – 0.04 0.02 0.04 – 279520 123665 288785
B. Payment Systems                
I Financial Market Infrastructures (FMIs) – – – – – – – –
1 Credit Transfers - RTGS (1.1 to 1.2) – 136.02 137.80 163.48 – 10316937 7987655 10659120
1.1 Customer Transactions – 133.82 136.13 161.72 – 8847761 6802206 9058136
1.2 Interbank Transactions – 2.20 1.67 1.75 – 1469176 1185449 1600984
II Retail                
2 Credit Transfers - Retail (2.1 to 2.6) – 20029.81 30269.97 31735.80 – 2440749 2986234 3393355
2.1 AePS (Fund Transfers) @ – 0.84 0.93 1.03 – 35 54 61
2.2 APBS $ – 1369.14 927.29 1018.90 – 6000 4400 8180
2.3 IMPS – 2564.67 3391.14 3556.93 – 210934 276459 292325
2.4 NACH Cr $ – 674.26 1114.23 1741.20 – 79028 96069 118309
2.5 NEFT – 2336.88 2734.10 3076.15 – 1942231 2218252 2558304
2.6 UPI @ – 13084.02 22102.28 22341.58 – 202521 390999 416176
2.6.1 of which USSD @ – 0.80 0.91 0.88 – 14 15 14
3 Debit Transfers and Direct Debits (3.1 to 3.3) – 790.71 944.24 922.53 – 72455 78709 81871
3.1 BHIM Aadhaar Pay @ – 7.37 9.39 8.90 – 112 181 187
3.2 NACH Dr $ – 769.31 869.63 840.43 – 72306 78433 81576
3.3 NETC (linked to bank account) @ – 14.02 65.22 73.21 – 37 96 108
4 Card Payments (4.1 to 4.2) – 6615.52 5633.00 5729.81 – 149688 163940 166029
4.1 Credit Cards (4.1.1 to 4.1.2) – 2036.64 1662.58 1737.79 – 65736 62350 63487
4.1.1 PoS based $ – 1181.09 874.82 914.20 – 35157 30495 28961
4.1.2 Others $ – 855.55 787.76 823.59 – 30579 31855 34526
4.2 Debit Cards (4.2.1 to 4.2.1) – 4578.88 3970.43 3992.02 – 83953 101591 102542
4.2.1 PoS based $ – 2634.18 2112.56 2165.50 – 39740 42289 39437
4.2.2 Others $ – 1944.70 1857.87 1826.52 – 44213 59302 63105
5 Prepaid Payment Instruments (5.1 to 5.2) – 5073.44 4193.78 4363.90 – 18922 16704 18201
5.1 Wallets – 3652.64 3420.83 3550.29 – 15835 12717 13439
5.2 Cards (5.2.1 to 5.2.2) – 1420.80 772.96 813.60 – 3088 3987 4762
5.2.1 PoS based $ – 121.90 39.38 42.79 – 1012 1111 1215
5.2.2 Others $ – 1298.91 733.57 770.81 – 2076 2877 3547
6 Paper-based Instruments (6.1 to 6.2) – 865.46 596.35 719.40 – 646583 494383 618015
6.1 CTS (NPCI Managed) – 864.44 596.35 719.40 – 645573 494383 618015
6.2 Others – 1.02 0.00 0.00 – 1010 – –
Total - Retail Payments (2+3+4+5+6) – 33374.94 41637.35 43471.44 – 3328398 3739970 4277471
Total Payments (1+2+3+4+5+6) – 33510.96 41775.15 43634.92 – 13645335 11727625 14936592
Total Digital Payments (1+2+3+4+5) – 32645.50 41178.79 42915.52 – 12998751 11233243 14318576

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2019-20 2019 2020 FY 2019-20 2019 2020
Dec. Nov. Dec. Dec. Nov. Dec.
1 2 3 4 5 6 7 8
A. Other Payment Channels                
1 Mobile Payments (mobile app based) (1.1 to 1.2) – 14322.15 24198.24 25199.49 – 493342 820024 899401
1.1 Intra-bank $ – 1280.66 2191.98 2183.03 – 101679 165155 174603
1.2 Inter-bank $ – 13041.49 22006.26 23016.46 – 391663 654869 724798
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) – 2736.82 2814.17 3137.64 – 3040781 3419474 4032311
2.1 Intra-bank @ – 626.66 585.09 637.64 – 1438853 1653359 1934396
2.2 Inter-bank @ – 2110.16 2229.09 2500.00 – 1601928 1766114 2097916
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) – 6518.97 5913.87 5709.96 – 293087 280560 269614
3.1 Using Credit Cards $ – 8.91 4.64 5.01 – 422 231 246
3.2 Using Debit Cards $ – 6481.81 5883.59 5680.44 – 291704 279417 268475
3.3 Using Pre-paid Cards $ – 28.25 25.63 24.51 – 961 912 894
4 Cash Withdrawal at PoS $ (4.1 to 4.2) – 78.52 37.91 39.89 – 148 143 149
4.1 Using Debit Cards $ – 71.47 32.33 34.53 – 134 137 142
4.2 Using Pre-paid Cards $ – 7.05 5.58 5.37 – 14 6 6
5 Cash Withrawal at Micro ATMs @ – 326.35 684.78 715.03 – 9163 18820 19671
5.1 AePS @ – 326.35 684.78 715.03 – 9163 18820 19671

PART III - Payment Infrastructures (Lakh)
System FY 2019-20 2019 2020
Dec. Nov. Dec.
1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) – 8606.57 9528.15 9468.15
1.1 Credit Cards – 553.33 601.13 603.97
1.2 Debit Cards – 8053.24 8927.02 8864.18
2 Number of PPIs @ (2.1 to 2.2) – 17625.43 20443.15 20823.65
2.1 Wallets @ – 16615.68 18857.67 19159.52
2.2 Cards @ – 1009.75 1585.48 1664.13
3 Number of ATMs (3.1 to 3.2) – 2.32 2.34 2.33
3.1 Bank owned ATMs $ – 2.10 2.09 2.08
3.2 White Label ATMs $ – 0.22 0.25 0.25
4 Number of Micro ATMs @ – 2.42 3.57 3.56
5 Number of PoS Terminals – 49.88 54.19 57.41
6 Bharat QR @ – 17.13 30.46 32.00
7 UPI QR * – – 697.82 752.30

@: 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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