| PART I - Payment System Indicators - Payment & Settlement System Statistics | | | Volume (lakh) | Value (₹ crore) | | FY 2021-22 | 2021
March | 2022 | 2022 | FY 2021-22 | 2021
March | 2022 | 2022 | | February | March | February | March | | 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | | A. Settlement Systems | | | | | | | | | | Financial Market Infrastructures (FMIs) | | | | | | | | | | 1 CCIL Operated Systems | 33.01 | 2.92 | 2.92 | 3.25 | 206873111 | 17383479 | 17994586 | 20588727 | | 1.1 Govt. Securities Clearing | 12.22 | 0.91 | 1.10 | 1.04 | 142072938 | 11182301 | 12914111 | 13682354 | | 1.1.1 Outright | 6.21 | 0.42 | 0.58 | 0.46 | 8793301 | 678873 | 721038 | 660443 | | 1.1.2 Repo | 3.09 | 0.26 | 0.25 | 0.30 | 51015712 | 4362390 | 4221392 | 5341282 | | 1.1.3 Tri-party Repo | 2.92 | 0.23 | 0.27 | 0.27 | 82263925 | 6141037 | 7971681 | 7680629 | | 1.2 Forex Clearing | 19.90 | 1.95 | 1.73 | 2.11 | 59775826 | 5828078 | 4540145 | 6232193 | | 1.3 Rupee Derivatives @ | 0.88 | 0.06 | 0.10 | 0.11 | 5024347 | 373100 | 540330 | 674180 | | B. Payment Systems | | | | | | | | | | I Financial Market Infrastructures (FMIs) | | | | | | | | | | 1 Credit Transfers - RTGS | 2078.39 | 202.35 | 180.29 | 230.04 | 128657517 | 12982215 | 10324618 | 14458955 | | 1.1 Customer Transactions | 2063.73 | 200.70 | 179.15 | 228.68 | 113319291 | 11427958 | 9277356 | 13069669 | | 1.2 Interbank Transactions | 14.66 | 1.65 | 1.13 | 1.36 | 15338225 | 1554257 | 1047262 | 1389286 | | II Retail | | | | | | | | | | 2 Credit Transfers - Retail | 577631.89 | 37208.51 | 55283.72 | 66272.08 | 42722829 | 4053907 | 3806375 | 5062364 | | 2.1 AePS (Fund Transfers) @ | 9.76 | 1.16 | 0.51 | 0.56 | 575 | 72 | 28 | 35 | | 2.2 APBS $ | 12298.50 | 1128.83 | 629.87 | 1154.92 | 133052 | 11086 | 13043 | 15462 | | 2.3 IMPS | 46625.25 | 3631.44 | 4209.31 | 4920.01 | 4171038 | 327236 | 384404 | 462279 | | 2.4 NACH Cr $ | 18729.79 | 1648.84 | 1536.56 | 1825.88 | 1276801 | 164298 | 104998 | 131428 | | 2.5 NEFT | 40407.29 | 3481.39 | 3632.58 | 4314.20 | 28725463 | 3046329 | 2477059 | 3492578 | | 2.6 UPI @ | 459561.30 | 27316.85 | 45274.89 | 54056.51 | 8415900 | 504886 | 826843 | 960582 | | 2.6.1 of which USSD @ | 11.99 | 0.94 | 0.68 | 0.91 | 177 | 15 | 10 | 12 | | 3 Debit Transfers and Direct Debits | 12222.27 | 1038.84 | 1089.30 | 1136.67 | 1038335 | 86505 | 90746 | 98645 | | 3.1 BHIM Aadhaar Pay @ | 227.73 | 12.92 | 15.23 | 19.47 | 6114 | 346 | 506 | 640 | | 3.2 NACH Dr $ | 10787.53 | 920.42 | 948.20 | 979.27 | 1030532 | 86005 | 90056 | 97801 | | 3.3 NETC (linked to bank account) @ | 1207.01 | 105.50 | 125.87 | 137.93 | 1690 | 154 | 184 | 204 | | 4 Card Payments | 61,785.63 | 5,650.32 | 4,840.47 | 5,515.40 | 17,01,906 | 1,39,705 | 1,43,111 | 1,71,214 | | 4.1 Credit Cards | 22,398.82 | 1,887.27 | 1,884.24 | 2,237.51 | 9,71,632 | 72,319 | 86,041 | 1,07,101 | | 4.1.1 PoS based $ | 11124.59 | 1012.86 | 963.40 | 1134.33 | 380640 | 33286 | 32500 | 38773 | | 4.1.2 Others $ | 11274.23 | 874.41 | 920.84 | 1103.18 | 590992 | 39033 | 53541 | 68328 | | 4.2 Debit Cards | 39,386.81 | 3,763.05 | 2,956.23 | 3,277.89 | 730274 | 67386 | 57070 | 64113 | | 4.2.1 PoS based $ | 22969.81 | 2229.12 | 1845.45 | 2081.16 | 451611 | 42816 | 36376 | 40831 | | 4.2.2 Others $ | 16417.00 | 1533.93 | 1110.78 | 1196.73 | 278663 | 24570 | 20694 | 23282 | | 5 Prepaid Payment Instruments | 65,812.39 | 5,201.05 | 5,626.89 | 6567 | 293658 | 21372 | 24649 | 27865 | | 5.1 Wallets | 52683.01 | 4182.92 | 4386.09 | 5017 | 226645 | 14856 | 17259 | 20054 | | 5.2 Cards | 13,129.38 | 1,018.13 | 1,240.79 | 1550 | 67014 | 6516 | 7390 | 7811 | | 5.2.1 PoS based $ | 1066.47 | 59.48 | 126.61 | 165 | 18123 | 1453 | 3360 | 2860 | | 5.2.2 Others $ | 12062.91 | 958.65 | 1114.18 | 1385 | 48891 | 5063 | 4030 | 4951 | | 6 Paper-based Instruments | 6,999.12 | 806.59 | 581.98 | 702.93 | 6650332 | 722031 | 615321 | 694335 | | 6.1 CTS (NPCI Managed) | 6999.12 | 806.59 | 581.98 | 702.93 | 6650332 | 722031 | 615321 | 694335 | | 6.2 Others | 0.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0 | 0 | | Total - Retail Payments (2+3+4+5+6) | 7,24,451.31 | 49,905.31 | 67,422.35 | 80,194.17 | 52407061 | 5023520 | 4680202 | 6054424 | | Total Payments (1+2+3+4+5+6) | 7,26,529.70 | 50,107.66 | 67,602.63 | 80,424.21 | 181064578 | 18005734 | 15004820 | 20513379 | | Total Digital Payments (1+2+3+4+5) | 7,19,530.57 | 49,301.07 | 67,020.65 | 79,721.28 | 174414245 | 17283703 | 14389499 | 19819044 |
| PART II - Payment Modes and Channels | | | Volume (lakh) | Value (₹ crore) | | FY 2021-22 | 2021
March | 2022 | 2022 | FY 2021-22 | 2021
March | 2022 | 2022 | | February | March | February | March | | 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | | A. Other Payment Channels | | | | | | | | | | 1 Mobile Payments (mobile app based) | 5,07,531.32 | 33,082.40 | 48,507.66 | 57,378.43 | 1,49,70,860 | 12,48,779 | 13,95,093 | 16,50,284 | | 1.1 Intra-bank $ | 40,805.67 | 4,852.88 | 3,626.98 | 4,218.03 | 27,23,849 | 2,70,764 | 246931 | 296045 | | 1.2 Inter-bank $ | 4,66,725.65 | 28,229.52 | 44,880.68 | 53,160.39 | 1,22,47,011 | 9,78,015 | 1148163 | 1354239 | | 2 Internet Payments (Netbanking / internet browser based) @ | 35,786.53 | 3,390.80 | 2,817.31 | 3,574.14 | 4,98,10,853 | 49,76,087 | 38,47,497 | 85,20,751 | | 2.1 Intra-bank @ | 7,034.34 | 707.26 | 554.77 | 654.75 | 2,31,95,249 | 23,55,028 | 1638166 | 5037166 | | 2.2 Inter-bank @ | 28,752.20 | 2,683.55 | 2,262.54 | 2,919.39 | 2,66,15,604 | 26,21,059 | 2209331 | 3483584 | | B. ATMs | | | | | | | | | | 3. Cash Withdrawal at ATMs $ | 65,083.45 | 6,040.02 | 5,300.30 | 5,767.24 | 31,05,601 | 2,85,268 | 2,56,463 | 2,81,048 | | 3.1 Using Credit Cards $ | 62.37 | 5.92 | 5.29 | 6.80 | 3130 | 307 | 263.73 | 343.72 | | 3.2 Using Debit Cards $ | 64694.97 | 6007.92 | 5266.81 | 5728.28 | 3091415 | 283955 | 255218.18 | 279566.58 | | 3.3 Using Pre-paid Cards $ | 326.11 | 26.18 | 28.20 | 32.16 | 11056 | 1007 | 981 | 1138 | | 4. Cash Withdrawal at PoS $ | 92.26 | 22.38 | 2.46 | 2.79 | 806 | 119 | 39 | 57 | | 4.1 Using Debit Cards $ | 79.42 | 19.49 | 2.15 | 2.21 | 557 | 114 | 20.26 | 21.31 | | 4.2 Using Pre-paid Cards $ | 12.84 | 2.90 | 0.32 | 0.57 | 248 | 5 | 19 | 36 | | 5. Cash Withdrawal at Micro ATMs @ | 11126.04 | 763.86 | 928.46 | 1032.68 | 299776 | 22276 | 24975 | 28479 | | 5.1 AePS @ | 11126.04 | 763.86 | 928.46 | 1032.68 | 299776 | 22276 | 24975 | 28479 |
| PART III - Payment Infrastructures (lakh) | | | As on March 2022 | 2021
March | 2022 | 2022 | | February | March | | 1 | 2 | 3 | 4 | | Payment System Infrastructures | | | | | | 1 Number of Cards | 9,912.93 | 9,602.51 | 10,067.74 | 9,912.93 | | 1.1 Credit Cards | 736.27 | 620.49 | 717.08 | 736.27 | | 1.2 Debit Cards | 9,176.66 | 8,982.02 | 9350.66 | 9176.66 | | 2 Number of PPIs @ | 27,408.39 | 21,952.60 | 27,320.10 | 27,408.39 | | 2.1 Wallets @ | 24,645.40 | 20,052.10 | 24,605.03 | 24,645.40 | | 2.2 Cards @ | 2,762.98 | 1,900.51 | 2,715.07 | 2,762.98 | | 3 Number of ATMs and CRMs | 2.48 | 2.39 | 2.47 | 2.48 | | 3.1 Bank owned ATMs$ and CRMs# | 2.17 | 2.14 | 2.16 | 2.17 | | 3.2 White Label ATMs $ | 0.32 | 0.25 | 0.31 | 0.32 | | 4 Number of Micro ATMs @ | 7.81 | 4.04 | 7.16 | 7.81 | | 5 Number of PoS Terminals | 60.70 | 47.20 | 58.34 | 60.70 | | 6 Bharat QR @ | 49.72 | 35.70 | 48.27 | 49.72 | | 7 UPI QR * | 1727.34 | 925.22 | 1600.19 | 1727.34 | @: New inclusion w.e.f. November 2019
#: Data reported by Co-operative Banks, LABs and RRBs included with effect from Dec 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. | |