| PART I - Payment System Indicators - Payment & Settlement System Statistics | | | Volume (lakh) | Value (₹ crore) | | FY 2021-22 | 2021 April | 2022 | 2022 | FY 2021-22 | 2021 April | 2022 | 2022 | | March | April | March | April | | 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | | A. Settlement Systems | | | | | | | | | | Financial Market Infrastructures (FMIs) | | | | | | | | | | 1 CCIL Operated Systems | 33.01 | 2.36 | 3.25 | 3.06 | 206873112 | 15138384 | 20588727 | 18651860 | | 1.1 Govt. Securities Clearing | 12.22 | 0.83 | 1.04 | 1.08 | 142072939 | 9963717 | 13682354 | 11915370 | | 1.1.1 Outright | 6.22 | 0.41 | 0.46 | 0.59 | 8793301 | 739674 | 660443 | 870328 | | 1.1.2 Repo | 3.08 | 0.21 | 0.30 | 0.25 | 51015712 | 3829853 | 5341282 | 4315711 | | 1.1.3 Tri-party Repo | 2.92 | 0.20 | 0.27 | 0.23 | 82263926 | 5394189 | 7680629 | 6729332 | | 1.2 Forex Clearing | 19.91 | 1.49 | 2.11 | 1.87 | 59775826 | 4913256 | 6232193 | 6124936 | | 1.3 Rupee Derivatives @ | 0.88 | 0.05 | 0.11 | 0.11 | 5024347 | 261411 | 674180 | 611554 | | B. Payment Systems | | | | | | | | | | I Financial Market Infrastructures (FMIs) | | | | | | | | | | 1 Credit Transfers - RTGS | 2078.39 | 151.52 | 230.04 | 195.32 | 128657516 | 8802868 | 14458955 | 11097594 | | 1.1 Customer Transactions | 2063.73 | 150.19 | 228.68 | 194.11 | 113319292 | 7555042 | 13069669 | 9780600 | | 1.2 Interbank Transactions | 14.66 | 1.33 | 1.36 | 1.21 | 15338225 | 1247825 | 1389286 | 1316994 | | II Retail | | | | | | | | | | 2 Credit Transfers - Retail | 577631.89 | 34506.22 | 66272.08 | 66747.57 | 42722828 | 2946342 | 5062364 | 4050335 | | 2.1 AePS (Fund Transfers) @ | 9.76 | 0.94 | 0.56 | 0.55 | 575 | 61 | 35 | 33 | | 2.2 APBS $ | 12298.50 | 972.73 | 1154.92 | 1119.53 | 133052 | 5383 | 15462 | 11118 | | 2.3 IMPS | 46625.25 | 3229.68 | 4920.01 | 4716.26 | 4171037 | 299542 | 462279 | 444670 | | 2.4 NACH Cr $ | 18729.79 | 1029.55 | 1825.88 | 1329.76 | 1276801 | 101457 | 131428 | 112354 | | 2.5 NEFT | 40407.29 | 2862.71 | 4314.20 | 3737.59 | 28725463 | 2046235 | 3492578 | 2498587 | | 2.6 UPI @ | 459561.30 | 26410.61 | 54056.51 | 55843.88 | 8415900 | 493664 | 960582 | 983573 | | 2.6.1 of which USSD @ | 11.99 | 0.96 | 0.91 | 0.86 | 177 | 15 | 12 | 12 | | 3 Debit Transfers and Direct Debits | 12222.27 | 961.29 | 1136.67 | 1121.68 | 1038334 | 79291 | 98645 | 93616 | | 3.1 BHIM Aadhaar Pay @ | 227.73 | 13.88 | 19.47 | 16.76 | 6113 | 377 | 640 | 580 | | 3.2 NACH Dr $ | 10787.53 | 854.05 | 979.27 | 996.72 | 1030531 | 78776 | 97801 | 92902 | | 3.3 NETC (linked to bank account) @ | 1207.02 | 93.36 | 137.93 | 108.20 | 1689 | 139 | 204 | 135 | | 4 Card Payments | 61,782.93 | 4,788.55 | 5,512.70 | 5,541.17 | 17,01,851 | 1,15,232 | 1,71,159 | 1,70,521 | | 4.1 Credit Cards | 22,398.82 | 1,575.32 | 2,237.51 | 2,229.30 | 9,71,638 | 59,049 | 1,07,107 | 1,05,459 | | 4.1.1 PoS based $ | 11124.59 | 782.31 | 1134.33 | 1152.87 | 380643 | 26314 | 38777 | 39807 | | 4.1.2 Others $ | 11274.23 | 793.00 | 1103.18 | 1076.43 | 590994 | 32735 | 68330 | 65652 | | 4.2 Debit Cards | 39,384.11 | 3,213.23 | 3,275.19 | 3,311.87 | 730213 | 56183 | 64052 | 65062 | | 4.2.1 PoS based $ | 22967.10 | 1794.37 | 2078.45 | 2131.77 | 451550 | 35621 | 40770 | 43530 | | 4.2.2 Others $ | 16417.00 | 1418.86 | 1196.73 | 1180.10 | 278663 | 20562 | 23282 | 21532 | | 5 Prepaid Payment Instruments | 65,812.39 | 4,800.66 | 6,567.09 | 6,551.30 | 293658 | 22148 | 27865 | 27664 | | 5.1 Wallets | 52683.01 | 3963.08 | 5016.86 | 5036.15 | 226645 | 14421 | 20054 | 19360 | | 5.2 Cards | 13,129.38 | 837.58 | 1,550.23 | 1,515.15 | 67014 | 7727 | 7811 | 8305 | | 5.2.1 PoS based $ | 1066.47 | 50.39 | 164.77 | 169.34 | 18123 | 1517 | 2860 | 3183 | | 5.2.2 Others $ | 12062.91 | 787.19 | 1385.46 | 1345.81 | 48891 | 6209 | 4951 | 5121 | | 6 Paper-based Instruments | 6,999.12 | 557.79 | 702.93 | 624.01 | 6650333 | 553322 | 694335 | 670259 | | 6.1 CTS (NPCI Managed) | 6999.12 | 557.79 | 702.93 | 624.01 | 6650333 | 553322 | 694335 | 670259 | | 6.2 Others | 0.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0 | 0 | | Total - Retail Payments (2+3+4+5+6) | 7,24,448.61 | 45,614.50 | 80,191.47 | 80,585.73 | 52407004 | 3716336 | 6054368 | 5012396 | | Total Payments (1+2+3+4+5+6) | 7,26,527.00 | 45,766.02 | 80,421.51 | 80,781.06 | 181064521 | 12519204 | 20513323 | 16109991 | | Total Digital Payments (1+2+3+4+5) | 7,19,527.88 | 45,208.23 | 79,718.58 | 80,157.05 | 174414188 | 11965881 | 19818988 | 15439731 |
| PART II - Payment Modes and Channels | | | Volume (lakh) | Value (₹ crore) | | FY 2021-22 | 2021 April | 2022 | 2022 | FY 2021-22 | 2021 April | 2022 | 2022 | | March | April | March | April | | 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | | A. Other Payment Channels | | | | | | | | | | 1 Mobile Payments (mobile app based) | 5,07,531.37 | 32,494.77 | 57,378.44 | 59,767.47 | 1,49,73,395 | 10,06,256 | 16,52,795 | 16,83,493 | | 1.1 Intra-bank $ | 40,805.69 | 2,563.99 | 4,218.03 | 4,515.92 | 27,26,360 | 1,91,178 | 2,98,556 | 3,12,756 | | 1.2 Inter-bank $ | 4,66,725.68 | 29,930.78 | 53,160.40 | 55,251.55 | 1,22,47,035 | 8,15,078 | 13,54,239 | 13,70,737 | | 2 Internet Payments (Netbanking / internet browser based) @ | 36,127.50 | 2,682.48 | 3,915.10 | 3,639.09 | 5,01,21,370 | 31,80,133 | 88,31,268 | 71,55,362 | | 2.1 Intra-bank @ | 7,375.30 | 567.04 | 995.71 | 964.04 | 2,35,05,766 | 13,52,169 | 53,47,683 | 42,88,061 | | 2.2 Inter-bank @ | 28,752.20 | 2,115.44 | 2,919.39 | 2,675.04 | 2,66,15,604 | 18,27,964 | 34,83,584 | 28,67,301 | | B. ATMs | | | | | | | | | | 3. Cash Withdrawal at ATMs $ | 65,287.28 | 5,256.36 | 5,971.07 | 5,834.29 | 31,11,927 | 2,55,527 | 2,87,374 | 2,86,411 | | 3.1 Using Credit Cards $ | 62.37 | 5.09 | 6.80 | 6.12 | 3,130 | 258 | 344 | 303 | | 3.2 Using Debit Cards $ | 64898.80 | 5226.23 | 5932.11 | 5796.88 | 30,97,741 | 2,54,397 | 2,85,893 | 2,85,011 | | 3.3 Using Pre-paid Cards $ | 326.11 | 25.03 | 32.16 | 31.28 | 11,056 | 871 | 1,138 | 1,097 | | 4. Cash Withdrawal at PoS $ | 92.26 | 22.06 | 2.79 | 2.74 | 806 | 133 | 57 | 54 | | 4.1 Using Debit Cards $ | 79.42 | 18.85 | 2.21 | 2.24 | 557 | 111 | 21 | 22 | | 4.2 Using Pre-paid Cards $ | 12.84 | 3.20 | 0.57 | 0.50 | 248 | 22 | 36 | 32 | | 5. Cash Withdrawal at Micro ATMs @ | 11126.04 | 725.35 | 1032.68 | 984.19 | 2,99,776 | 21,701 | 28,479 | 27,824 | | 5.1 AePS @ | 11126.04 | 725.35 | 1032.68 | 984.19 | 2,99,776 | 21,701 | 28,479 | 27,824 |
| PART III - Payment Infrastructures (lakh) | | | As on March 2022 | 2021 April | 2022 | 2022 | | March | April | | 1 | 2 | 3 | 4 | | Payment System Infrastructures | | | | | | 1 Number of Cards | 9,912.93 | 9,630.55 | 9,912.93 | 9,956.84 | | 1.1 Credit Cards | 736.27 | 622.60 | 736.27 | 751.66 | | 1.2 Debit Cards | 9,176.66 | 9,007.95 | 9176.66 | 9205.18 | | 2 Number of PPIs @ | 27,403.54 | 22,216.97 | 27,403.54 | 27,405.90 | | 2.1 Wallets @ | 24,645.39 | 20,249.78 | 24,645.39 | 24,748.38 | | 2.2 Cards @ | 2,758.15 | 1,967.19 | 2,758.15 | 2,657.52 | | 3 Number of ATMs and CRMs | 2.48 | 2.40 | 2.48 | 2.49 | | 3.1 Bank owned ATMs$ and CRMs# | 2.16 | 2.14 | 2.16 | 2.17 | | 3.2 White Label ATMs $ | 0.32 | 0.25 | 0.32 | 0.32 | | 4 Number of Micro ATMs @ | 7.81 | 4.14 | 7.81 | 8.16 | | 5 Number of PoS Terminals | 60.70 | 45.25 | 60.70 | 61.26 | | 6 Bharat QR @ | 49.72 | 40.28 | 49.72 | 40.90 | | 7 UPI QR * | 1727.34 | 978.19 | 1727.34 | 1807.21 | @: 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. | |