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43. Payment System Indicators
Date : Oct 18, 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
Aug. Jul. Aug. Aug. Jul. Aug.
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 2.28 2.68 2.51 161943141 12576300 16798812 15362952
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 11.55 0.96 0.98 0.96 110634315 8614891 11096031 10388877
1.1.1 Outright 6.28 0.52 0.50 0.50 10032187 867395 744621 730532
1.1.2 Repo 2.84 0.27 0.25 0.24 43751173 3793333 3802644 3479766
1.1.3 Tri-party Repo 2.43 0.18 0.24 0.22 56850956 3954162 6548766 6178579
1.2 Forex Clearing 16.04 1.28 1.64 1.48 48903961 3749569 5290626 4599545
1.3 Rupee Derivatives @ 0.38 0.03 0.07 0.06 2404865 211840 412155 374530
B. Payment Systems                
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS (1.1 to 1.2) 1591.92 116.77 167.65 166.52 105599849 7292380 10741314 10164296
1.1 Customer Transactions 1573.47 115.29 166.43 165.34 91008367 6382552 9288984 8940380
1.2 Interbank Transactions 18.45 1.49 1.22 1.18 14591482 909828 1452331 1223916
II Retail                
2 Credit Transfers - Retail (2.1 to 2.6) 317851.82 23968.09 41367.43 45370.66 33522150 2556825 3214817 3277624
2.1 AePS (Fund Transfers) @ 11.32 0.89 1.03 1.05 623 46 61 61
2.2 APBS $ 14372.99 1196.39 1045.01 722.32 112747 8313 7952 10305
2.3 IMPS 32783.47 2461.25 3524.64 3797.12 2941500 235137 311310 320203
2.4 NACH Cr $ 16449.51 1775.18 1171.72 2075.99 1232714 84468 85307 98119
2.5 NEFT 30927.89 2346.09 3170.00 3218.73 25130910 1930552 2204303 2209818
2.6 UPI @ 223306.64 16188.28 32455.02 35555.45 4103658 298308 605883 639117
2.6.1 of which USSD @ 10.45 0.92 1.08 1.14 172 15 16 17
3 Debit Transfers and Direct Debits (3.1 to 3.3) 10440.40 857.28 986.32 1008.32 872399 67146 86503 85436
3.1 BHIM Aadhaar Pay @ 160.84 19.50 17.49 21.99 2580 253 414 462
3.2 NACH Dr $ 9629.61 791.81 877.08 876.81 868906 66830 85980 84818
3.3 NETC (linked to bank account) @ 649.96 45.96 91.75 109.52 913 63 109 155
4 Card Payments (4.1 to 4.2) 57786.60 4814.53 5225.86 5493.00 1291799 105081 135972 142600
4.1 Credit Cards (4.1.1 to 4.1.2) 17641.06 1425.11 1820.49 1904.71 630414 50311 74885 77733
4.1.1 PoS based $ 8688.81 659.47 900.27 984.62 280769 21001 30498 32969
4.1.2 Others $ 8952.25 765.64 920.21 920.08 349645 29310 44387 44764
4.2 Debit Cards (4.2.1 to 4.2.1 ) 40145.54 3389.42 3405.37 3588.29 661385 54770 61087 64867
4.2.1 PoS based $ 20773.50 1647.47 1901.64 2119.63 377630 29525 36764 41177
4.2.2 Others $ 19372.04 1741.95 1503.73 1468.66 283755 25245 24324 23690
5 Prepaid Payment Instruments (5.1 to 5.2) 49392.29 4932.61 4959.07 5185.79 197696 16808 20806 22631
5.1 Wallets 39987.01 3967.82 4079.19 4201.24 152065 13000 17053 17712
5.2 Cards (5.2.1 to 5.2.2) 9405.28 964.79 879.89 984.54 45631 3808 3753 4919
5.2.1 PoS based $ 437.33 29.20 63.24 83.94 11639 737 683 1104
5.2.2 Others $ 8967.95 935.59 816.64 900.60 33992 3072 3070 3815
6 Paper-based Instruments (6.1 to 6.2) 6703.70 519.83 596.11 588.62 5627189 425462 553256 533903
6.1 CTS (NPCI Managed) 6702.53 519.72 596.11 588.62 5625941 425252 553256 533903
6.2 Others 1.17 0.11 1249 210
Total - Retail Payments (2+3+4+5+6) 442174.81 35092.34 53134.79 57646.38 41511233 3171322 4011354 4062192
Total Payments (1+2+3+4+5+6) 443766.73 35209.11 53302.44 57812.90 147111082 10463702 14752668 14226488
Total Digital Payments (1+2+3+4+5) 437063.03 34689.28 52706.33 57224.28 141483892 10038240 14199411 13692586

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2020-21 2020 2021 FY 2020-21 2020 2021
Aug. Jul. Aug. Aug. Jul. Aug.
1 2 3 4 5 6 7 8
A. Other Payment Channels                
1 Mobile Payments (mobile app based) (1.1 to 1.2) 258033.70 19962.77 37458.94 39030.52 9201212 678278 1149340 1136546
1.1 Intra-bank $ 25220.71 1736.72 3134.21 3244.31 1871390 140148 210636 201775
1.2 Inter-bank $ 232812.99 18226.05 34324.73 35786.20 7329822 538130 938704 934771
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 32493.63 2651.34 3048.81 3134.32 41581497 3006656 3710473 3688425
2.1 Intra-bank @ 6886.15 557.18 606.23 603.29 20601554 1494618 1625684 1636328
2.2 Inter-bank @ 25607.48 2094.17 2442.58 2531.03 20979943 1512038 2084788 2052097
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 60905.81 4862.15 5378.72 5688.70 2889826 236446 254880 262881
3.1 Using Credit Cards $ 51.41 3.66 4.74 5.02 2560 184 235 248
3.2 Using Debit Cards $ 60602.23 4837.94 5348.70 5656.34 2878025 235550 253780 261683
3.3 Using Pre-paid Cards $ 252.17 20.55 25.28 27.34 9240 713 865 950
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 394.77 32.48 7.45 6.62 1533 134 62 70
4.1 Using Debit Cards $ 353.50 27.89 6.15 5.50 1484 129 43 42
4.2 Using Pre-paid Cards $ 41.27 4.60 1.30 1.12 49 5 19 28
5 Cash Withrawal at Micro ATMs @ 9460.43 814.30 869.89 1061.82 225420 19513 22973 26830
5.1 AePS @ 9460.43 814.30 869.89 1061.82 225420 19513 22973 26830

PART III - Payment Infrastructures (Lakh)
System As on March 2021 2020 2021
Aug. Jul. Aug.
1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 9602.51 9132.03 9694.51 9777.46
1.1 Credit Cards 620.49 578.31 634.14 639.34
1.2 Debit Cards 8982.02 8553.73 9060.36 9138.11
2 Number of PPIs @ (2.1 to 2.2) 21952.60 20134.06 23388.31 23850.19
2.1 Wallets @ 20052.10 18482.49 21244.36 21645.16
2.2 Cards @ 1900.51 1651.58 2143.95 2205.02
3 Number of ATMs (3.1 to 3.2) 2.39 2.33 2.40 2.41
3.1 Bank owned ATMs $ 2.14 2.09 2.13 2.14
3.2 White Label ATMs $ 0.25 0.24 0.27 0.27
4 Number of Micro ATMs @ 4.04 3.07 4.75 4.94
5 Number of PoS Terminals 47.20 43.55 46.08 47.48
6 Bharat QR @ 35.70 22.99 51.24 52.69
7 UPI QR * 925.22 1070.08 1092.04
@: 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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