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43. Payment System Indicators
Date : Nov 18, 2022
PART I - Payment System Indicators - Payment & Settlement System Statistics
System Volume
(Lakh)		 Value
(₹ Crore)
FY 2021-22 2021 2022 FY 2021-22 2021 2022
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) 33.01 3.21 3.30 3.97 206873112 16683094 20028644 24321858
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 12.22 1.37 1.33 1.51 142072939 11404584 13493765 16060463
1.1.1 Outright 6.22 0.90 0.75 0.86 8793301 1127485 888832 1027326
1.1.2 Repo 3.08 0.25 0.32 0.36 51015712 3885956 5251883 6014630
1.1.3 Tri-party Repo 2.92 0.22 0.25 0.30 82263926 6391143 7353051 9018508
1.2 Forex Clearing 19.91 1.77 1.89 2.34 59775826 4826170 5970122 7499481
1.3 Rupee Derivatives @ 0.88 0.07 0.09 0.11 5024347 452340 564757 761914
B. Payment Systems                
I Financial Market Infrastructures (FMIs) – – – – – – – –
1 Credit Transfers - RTGS (1.1 to 1.2) 2078.39 174.57 188.08 198.30 128657516 11069631 11665583 13789637
1.1 Customer Transactions 2063.73 173.33 186.92 197.10 113319292 9838858 10274480 12094321
1.2 Interbank Transactions 14.66 1.24 1.16 1.20 15338225 1230773 1391103 1695316
II Retail                
2 Credit Transfers - Retail (2.1 to 2.6) 577934.74 45720.72 77757.95 79564.55 42728006 3495969 4288963 4621357
2.1 AePS (Fund Transfers) @ 9.76 0.98 0.54 0.55 575 57 30 32
2.2 APBS $ 12573.33 781.62 1162.46 1170.39 133345 6199 9662 12805
2.3 IMPS 46625.25 3848.84 4669.09 4622.31 4171037 324096 445989 454451
2.4 NACH Cr $ 18757.82 1171.57 1940.04 1630.85 1281685 91281 128480 114718
2.5 NEFT 40407.29 3359.54 4166.76 4332.45 28725463 2419688 2631639 2922913
2.6 UPI @ 459561.30 36558.17 65819.06 67808.00 8415900 654648 1073162 1116438
2.6.1 of which USSD @ 11.99 1.14 1.63 1.47 177 16 17 17
3 Debit Transfers and Direct Debits (3.1 to 3.3) 12189.49 987.44 1247.15 1256.45 1034444 84660 102824 105856
3.1 BHIM Aadhaar Pay @ 227.73 19.39 17.57 16.35 6113 440 516 516
3.2 NACH Dr $ 10754.74 878.31 1097.38 1113.20 1026641 84068 102100 105128
3.3 NETC (linked to bank account) @ 1207.02 89.74 132.20 126.90 1689 152 209 211
4 Card Payments (4.1 to 4.2) 61782.93 5337.50 5481.30 5363.24 1701851 142817 174516 183981
4.1 Credit Cards (4.1.1 to 4.1.2) 22398.82 1847.21 2447.83 2460.17 971638 80228 112358 122554
4.1.1 PoS based $ 11124.59 961.53 1330.54 1317.07 380643 31743 44943 45287
4.1.2 Others $ 11274.23 885.68 1117.30 1143.10 590994 48485 67414 77267
4.2 Debit Cards (4.2.1 to 4.2.1) 39384.11 3490.29 3033.47 2903.07 730213 62589 62159 61427
4.2.1 PoS based $ 22967.10 2053.00 2009.83 1888.46 451550 38591 40552 38135
4.2.2 Others $ 16417.00 1437.29 1023.64 1014.61 278663 23998 21606 23292
5 Prepaid Payment Instruments (5.1 to 5.2) 65782.75 5292.53 6177.69 6048.61 279416 24482 24625 24090
5.1 Wallets 53013.86 4242.67 4877.42 4706.99 220183 20230 18495 17915
5.2 Cards (5.2.1 to 5.2.2) 12768.89 1049.86 1300.27 1341.62 59233 4252 6131 6175
5.2.1 PoS based $ 1116.16 133.71 83.90 79.41 19546 995 1177 1172
5.2.2 Others $ 11652.73 916.15 1216.37 1262.21 39687 3257 4953 5004
6 Paper-based Instruments (6.1 to 6.2) 6999.12 624.10 575.81 603.84 6650333 566468 548385 591106
6.1 CTS (NPCI Managed) 6999.12 624.10 575.81 603.84 6650333 566468 548385 591106
6.2 Others 0.00 – – – – – – –
Total - Retail Payments (2+3+4+5+6) 724689.03 57962.28 91239.89 92836.69 52394049 4314396 5139314 5526390
Total Payments (1+2+3+4+5+6) 726767.42 58136.85 91427.97 93034.99 181051565 15384027 16804896 19316027
Total Digital Payments (1+2+3+4+5) 719768.30 57512.75 90852.16 92431.15 174401233 14817559 16256512 18724921

PART II - Payment Modes and Channels
System Volume
(Lakh)		 Value
(₹ Crore)
FY 2021-22 2021 2022 FY 2021-22 2021 2022
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) 506842.31 39989.49 72227.76 72863.54 14961371 1178882 1827748 1882968
1.1 Intra-bank $ 40805.69 3358.50 6590.62 5133.31 2726363 218049 363782 348417
1.2 Inter-bank $ 466036.62 36630.99 65637.14 67730.23 12235007 960832 1463966 1534550
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 40726.59 3646.48 3537.74 3585.44 83159996 6827521 7351640 8433347
2.1 Intra-bank @ 9583.32 844.78 932.41 918.60 52142582 4214062 4304970 4985305
2.2 Inter-bank @ 31143.27 2801.70 2605.33 2666.84 31017413 2613459 3046670 3448042
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 65240.43 5540.66 5766.61 5725.75 3111946 257941 268788 265244
3.1 Using Credit Cards $ 62.37 4.98 7.46 7.24 3130 249 359 352
3.2 Using Debit Cards $ 64851.61 5508.82 5723.84 5684.15 3097739 256767 267289 263765
3.3 Using Pre-paid Cards $ 326.45 26.86 35.31 34.36 11076 925 1141 1127
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 91.17 5.90 2.19 2.71 728 64 21 34
4.1 Using Debit Cards $ 79.42 5.08 2.16 2.67 557 40 21 34
4.2 Using Pre-paid Cards $ 11.75 0.82 0.03 0.04 171 23 0 0
5 Cash Withrawal at Micro ATMs @ 11126.04 888.88 1021.48 1004.99 299776 22793 26193 26097
5.1 AePS @ 11126.04 888.88 1021.48 1004.99 299776 22793 26193 26097

PART III - Payment Infrastructures (Lakh)
System As on March 2022 2021 2022
Sep. Aug. Sep.
  1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 9912.93 9844.09 10130.17 10162.40
1.1 Credit Cards 736.27 650.25 779.91 777.02
1.2 Debit Cards 9176.66 9193.84 9350.26 9385.38
2 Number of PPIs @ (2.1 to 2.2) 15553.69 13979.08 15661.77 15842.95
2.1 Wallets @ 12787.93 11714.34 12948.75 13106.33
2.2 Cards @ 2765.76 2264.74 2713.02 2736.62
3 Number of ATMs (3.1 to 3.2) 2.52 2.41 2.54 2.55
3.1 Bank owned ATMs $ 2.20 2.13 2.20 2.20
3.2 White Label ATMs $ 0.31 0.28 0.34 0.35
4 Number of Micro ATMs @ 9.16 6.50 11.71 12.39
5 Number of PoS Terminals 60.70 49.77 70.58 70.35
6 Bharat QR @ 49.72 43.74 47.49 48.64
7 UPI QR * 1727.34 1205.19 2092.54 2164.30

@: New inclusion w.e.f. November 2019
#: Data reported by Co-operative Banks, LABs and RRBs included with effect from December 2021.
$ : 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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