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43. Payment System Indicators
Date : Jul 15, 2021
PART I - Payment System Indicators - Payment & Settlement System Statistics
System Volume (Lakh) Value (₹ Crore)
FY 2020-21 2020 2021 FY 2020-21 2020 2021
May Apr. May May Apr. May
1 2 3 4 5 6 7 8
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems (1.1 to 1.3) 27.97 1.71 2.36 2.08 161943141 10829793 15138384 14652880
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 11.55 0.94 0.83 0.89 110634315 7785920 9963717 9966087
1.1.1 Outright 6.28 0.56 0.41 0.47 10032187 1010178 739674 710624
1.1.2 Repo 2.84 0.21 0.21 0.23 43751173 3130998 3829853 4280973
1.1.3 Tri-party Repo 2.43 0.18 0.20 0.19 56850956 3644744 5394189 4974490
1.2 Forex Clearing 16.04 0.75 1.49 1.14 48903961 2934498 4913256 4424858
1.3 Rupee Derivatives @ 0.38 0.01 0.05 0.05 2404865 109375 261411 261935
B. Payment Systems                
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS (1.1 to 1.2) 1591.92 90.04 151.52 123.34 105599849 7041869 8802868 8366599
1.1 Customer Transactions 1573.47 88.68 150.19 122.28 91008367 6225396 7555042 7211162
1.2 Interbank Transactions 18.45 1.36 1.33 1.07 14591482 816473 1247825 1155437
II Retail                
2 Credit Transfers - Retail (2.1 to 2.6) 317851.82 18091.79 34506.22 33866.22 33522150 2018010 2946342 2707637
2.1 AePS (Fund Transfers) @ 11.32 0.87 0.94 0.96 623 41 61 59
2.2 APBS $ 14372.99 1154.21 972.73 1343.10 112747 14245 5383 16261
2.3 IMPS 32783.47 1666.80 3229.68 2798.61 2941500 169402 299542 266289
2.4 NACH Cr $ 16449.51 995.55 1029.55 1866.34 1232714 134182 101457 116463
2.5 NEFT 30927.89 1929.39 2862.71 2565.39 25130910 1481750 2046235 1819459
2.6 UPI @ 223306.64 12344.97 26410.61 25291.82 4103658 218392 493664 489106
2.6.1 of which USSD @ 10.45 0.75 0.96 1.01 172 14 15 16
3 Debit Transfers and Direct Debits (3.1 to 3.3) 10440.40 672.90 1001.32 936.41 872399 50962 82983 70589
3.1 BHIM Aadhaar Pay @ 160.84 13.40 13.88 17.29 2580 159 377 422
3.2 NACH Dr $ 9629.61 640.09 894.08 857.30 868906 50767 82467 70069
3.3 NETC (linked to bank account) @ 649.96 19.41 93.36 61.82 913 36 139 98
4 Card Payments (4.1 to 4.2) 57841.30 3687.68 4833.00 3982.53 1293080 70209 115572 98818
4.1 Credit Cards (4.1.1 to 4.1.2) 17641.06 1028.86 1575.32 1346.59 630414 32225 59049 54729
4.1.1 PoS based $ 8688.81 432.30 782.31 512.81 280769 13470 26314 18597
4.1.2 Others $ 8952.25 596.56 793.00 833.79 349645 18755 32735 36132
4.2 Debit Cards (4.2.1 to 4.2.1) 40200.24 2658.82 3257.68 2635.94 662667 37984 56523 44088
4.2.1 PoS based $ 20805.24 1121.15 1822.82 1197.18 378044 18814 35861 23019
4.2.2 Others $ 19395.00 1537.67 1434.86 1438.76 284623 19170 20662 21070
5 Prepaid Payment Instruments (5.1 to 5.2) 49392.29 3031.90 4762.03 3848.74 197696 12808 22148 21509
5.1 Wallets 39987.01 2532.20 3963.08 3180.18 152065 11080 14421 14626
5.2 Cards (5.2.1 to 5.2.2) 9405.28 499.70 798.95 668.56 45631 1729 7727 6883
5.2.1 PoS based $ 437.33 40.82 36.85 32.74 11639 551 1642 1303
5.2.2 Others $ 8967.94 458.89 762.11 635.82 33992 1177 6085 5580
6 Paper-based Instruments (6.1 to 6.2) 6703.70 306.77 557.79 366.69 5627189 260227 553322 341794
6.1 CTS (NPCI Managed) 6702.53 306.50 557.79 366.69 5625941 260012 553322 341794
6.2 Others 1.17 0.27 0.00 0.00 1249 215
Total - Retail Payments (2+3+4+5+6) 442229.48 25791.05 45660.36 43000.59 41512514 2412217 3720367 3240347
Total Payments (1+2+3+4+5+6) 443821.40 25881.09 45811.88 43123.94 147112363 9454086 12523235 11606947
Total Digital Payments (1+2+3+4+5) 437117.70 25574.32 45254.09 42757.25 141485173 9193859 11969913 11265153

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2020-21 2020 2021 FY 2020-21 2020 2021
May Apr. May May Apr. May
1 2 3 4 5 6 7 8
A. Other Payment Channels                
1 Mobile Payments (mobile app based) (1.1 to 1.2) 252364.97 14622.03 32494.77 29734.31 9089832 485513 1006256 898224
1.1 Intra-bank $ 25130.99 1264.97 2563.99 2528.93 1865484 94592 191178 174307
1.2 Inter-bank $ 227233.98 13357.06 29930.78 27205.39 7224348 390921 815078 723917
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 32483.42 2001.55 2682.48 2336.06 41534334 2478348 3180133 2953188
2.1 Intra-bank @ 6886.15 480.62 567.04 492.39 20601554 1248994 1352169 1290828
2.2 Inter-bank @ 25597.27 1520.93 2115.44 1843.67 20932780 1229353 1827964 1662360
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 60905.81 4079.52 5256.36 4169.98 2889826 195921 255527 202854
3.1 Using Credit Cards $ 51.41 2.76 5.09 3.65 2560 141 258 187
3.2 Using Debit Cards $ 60602.23 4061.82 5226.23 4142.63 2878025 195283 254397 201978
3.3 Using Pre-paid Cards $ 252.17 14.94 25.03 23.69 9240 496 871 690
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 394.60 36.25 22.06 20.81 1532 116 133 122
4.1 Using Debit Cards $ 353.33 36.06 18.85 18.08 1483 116 111 102
4.2 Using Pre-paid Cards $ 41.27 0.19 3.20 2.73 49 1 22 19
5 Cash Withrawal at Micro ATMs @ 9460.43 1000.69 725.35 824.36 225420 17929 21701 24138
5.1 AePS @ 9460.43 1000.69 725.35 824.36 225420 17929 21701 24138

PART III - Payment Infrastructures (Lakh)
System As on March 2021 2020 2021
May Apr. May
  1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 9602.51 8925.29 9630.55 9647.02
1.1 Credit Cards 620.49 571.80 622.60 623.93
1.2 Debit Cards 8982.02 8353.49 9007.95 9023.09
2 Number of PPIs @ (2.1 to 2.2) 21951.37 18689.42 22216.97 22609.29
2.1 Wallets @ 20052.10 17302.28 20249.78 20542.99
2.2 Cards @ 1900.51 1387.15 1967.19 2066.30
3 Number of ATMs (3.1 to 3.2) 2.39 2.34 2.40 2.40
3.1 Bank owned ATMs $ 2.14 2.10 2.14 2.15
3.2 White Label ATMs $ 0.25 0.24 0.25 0.26
4 Number of Micro ATMs @ 4.04 2.84 4.14 4.25
5 Number of PoS Terminals 47.20 43.22 45.25 45.10
6 Bharat QR @ 35.70 20.59 40.28 48.63
7 UPI QR * 925.22 978.19 981.82
@: 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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