| PART I - Payment System Indicators - Payment & Settlement System Statistics | | | Volume (lakh) | Value (₹ crore) | | FY 2021-22 | 2021 May | 2022 | 2022 | FY 2021-22 | 2021 May | 2022 | 2022 | | April | May | April | May | | 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | | A. Settlement Systems | | | | | | | | | | Financial Market Infrastructures (FMIs) | | | | | | | | | | 1 CCIL Operated Systems | 33.01 | 2.08 | 3.06 | 3.32 | 206873112 | 14652880 | 18651860 | 19742339 | | 1.1 Govt. Securities Clearing | 12.22 | 0.89 | 1.08 | 1.23 | 142072939 | 9966087 | 11915370 | 13110275 | | 1.1.1 Outright | 6.22 | 0.47 | 0.59 | 0.66 | 8793301 | 710624 | 870328 | 832089 | | 1.1.2 Repo | 3.08 | 0.23 | 0.25 | 0.31 | 51015712 | 4280973 | 4315711 | 4940038 | | 1.1.3 Tri-party Repo | 2.92 | 0.19 | 0.23 | 0.26 | 82263926 | 4974490 | 6729332 | 7338148 | | 1.2 Forex Clearing | 19.91 | 1.14 | 1.87 | 1.98 | 59775826 | 4424858 | 6124936 | 6039213 | | 1.3 Rupee Derivatives @ | 0.88 | 0.05 | 0.11 | 0.11 | 5024347 | 261935 | 611554 | 592851 | | B. Payment Systems | | | | | | | | | | I Financial Market Infrastructures (FMIs) | | | | | | | | | | 1 Credit Transfers - RTGS | 2078.39 | 123.34 | 195.32 | 195.72 | 128657516 | 8366599 | 11097594 | 11183947 | | 1.1 Customer Transactions | 2063.73 | 122.28 | 194.11 | 194.53 | 113319292 | 7211162 | 9780600 | 9851274 | | 1.2 Interbank Transactions | 14.66 | 1.07 | 1.21 | 1.19 | 15338225 | 1155437 | 1316994 | 1332673 | | II Retail | | | | | | | | | | 2 Credit Transfers - Retail | 577934.74 | 33866.21 | 66747.57 | 72187.50 | 42728006 | 2707637 | 4050335 | 4177865 | | 2.1 AePS (Fund Transfers) @ | 9.76 | 0.95 | 0.55 | 0.58 | 575 | 59 | 33 | 36 | | 2.2 APBS $ | 12573.33 | 1343.10 | 1119.53 | 2268.03 | 133345 | 16261 | 11118 | 41011 | | 2.3 IMPS | 46625.25 | 2798.61 | 4716.26 | 4848.13 | 4171037 | 266289 | 444670 | 452328 | | 2.4 NACH Cr $ | 18757.82 | 1866.34 | 1329.76 | 1794.53 | 1281685 | 116463 | 112354 | 97341 | | 2.5 NEFT | 40407.29 | 2565.39 | 3737.59 | 3813.34 | 28725463 | 1819459 | 2498587 | 2546928 | | 2.6 UPI @ | 459561.30 | 25291.82 | 55843.88 | 59462.89 | 8415900 | 489106 | 983573 | 1040221 | | 2.6.1 of which USSD @ | 11.99 | 1.01 | 0.86 | 1.00 | 177 | 16 | 12 | 14 | | 3 Debit Transfers and Direct Debits | 12189.49 | 936.41 | 1121.68 | 1177.32 | 1034444 | 70589 | 93616 | 95542 | | 3.1 BHIM Aadhaar Pay @ | 227.73 | 17.29 | 16.76 | 17.81 | 6113 | 422 | 580 | 571 | | 3.2 NACH Dr $ | 10754.74 | 857.30 | 996.72 | 1018.05 | 1026641 | 70069 | 92902 | 94752 | | 3.3 NETC (linked to bank account) @ | 1207.02 | 61.82 | 108.20 | 141.46 | 1689 | 98 | 135 | 218 | | 4 Card Payments | 61,782.93 | 3,901.33 | 5,541.17 | 5,698.18 | 1701851 | 95239 | 170521 | 179655 | | 4.1 Credit Cards | 22,398.82 | 1,344.73 | 2,229.30 | 2,377.95 | 971638 | 52014 | 105459 | 113696 | | 4.1.1 PoS based $ | 11124.59 | 509.46 | 1152.87 | 1220.24 | 380643 | 18477 | 39807 | 42266 | | 4.1.2 Others $ | 11274.23 | 835.27 | 1076.43 | 1157.71 | 590994 | 33537 | 65652 | 71430 | | 4.2 Debit Cards | 39,384.11 | 2,556.60 | 3,311.87 | 3,320.23 | 730213 | 43225 | 65062 | 65959 | | 4.2.1 PoS based $ | 22967.10 | 1127.84 | 2131.77 | 2150.28 | 451550 | 22195 | 43530 | 44306 | | 4.2.2 Others $ | 16417.00 | 1428.76 | 1180.10 | 1169.95 | 278663 | 21030 | 21532 | 21653 | | 5 Prepaid Payment Instruments | 65,812.39 | 3,880.40 | 6,551.30 | 6,652.60 | 293658 | 21509 | 27664 | 28257 | | 5.1 Wallets | 52683.01 | 3180.18 | 5036.15 | 5198.06 | 226645 | 14626 | 19360 | 19616 | | 5.2 Cards | 13,129.38 | 700.22 | 1,515.15 | 1,454.54 | 67014 | 6883 | 8305 | 8640 | | 5.2.1 PoS based $ | 1066.47 | 40.58 | 169.34 | 178.85 | 18123 | 1169 | 3183 | 3229 | | 5.2.2 Others $ | 12062.91 | 659.64 | 1345.81 | 1275.69 | 48891 | 5714 | 5121 | 5411 | | 6 Paper-based Instruments | 6,999.12 | 366.69 | 624.01 | 590.44 | 6650333 | 341794 | 670259 | 594562 | | 6.1 CTS (NPCI Managed) | 6999.12 | 366.69 | 624.01 | 590.44 | 6650333 | 341794 | 670259 | 594562 | | 6.2 Others | 0.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0 | 0 | | Total - Retail Payments (2+3+4+5+6) | 7,24,718.68 | 42,951.04 | 80,585.73 | 86,306.04 | 52408291 | 3236769 | 5012396 | 5075880 | | Total Payments (1+2+3+4+5+6) | 7,26,797.07 | 43,074.39 | 80,781.06 | 86,501.76 | 181065807 | 11603368 | 16109991 | 16259827 | | Total Digital Payments (1+2+3+4+5) | 7,19,797.94 | 42,707.70 | 80,157.05 | 85,911.32 | 174415475 | 11261574 | 15439731 | 15665265 |
| PART II - Payment Modes and Channels | | | Volume (lakh) | Value (₹ crore) | | FY 2021-22 | 2021 May | 2022 | 2022 | FY 2021-22 | 2021 May | 2022 | 2022 | | April | May | April | May | | 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | | A. Other Payment Channels | | | | | | | | | | 1 Mobile Payments (mobile app based) | 5,07,531.37 | 29,734.31 | 59,767.19 | 64,186.29 | 1,49,73,395 | 8,98,224 | 16,83,381 | 17,53,658 | | 1.1 Intra-bank $ | 40,805.69 | 2,528.93 | 4,515.86 | 4,617.48 | 27,26,360 | 1,74,307 | 3,12,740 | 3,18,478 | | 1.2 Inter-bank $ | 4,66,725.68 | 27,205.39 | 55,251.33 | 59,568.81 | 1,22,47,035 | 7,23,917 | 13,70,640 | 14,35,180 | | 2 Internet Payments (Netbanking / internet browser based) @ | 36,127.50 | 2,336.06 | 3,639.09 | 3,735.84 | 5,01,21,370 | 29,53,188 | 71,55,362 | 72,33,469 | | 2.1 Intra-bank @ | 7,375.30 | 492.39 | 964.04 | 1,023.10 | 2,35,05,766 | 12,90,828 | 42,88,061 | 43,44,369 | | 2.2 Inter-bank @ | 28,752.20 | 1,843.67 | 2,675.04 | 2,712.74 | 2,66,15,604 | 16,62,360 | 28,67,301 | 28,89,100 | | B. ATMs | | | | | | | | | | 3. Cash Withdrawal at ATMs $ | 65,287.28 | 4,169.98 | 5,834.29 | 5,872.26 | 31,11,927 | 2,02,854 | 2,86,411 | 2,80,266 | | 3.1 Using Credit Cards $ | 62.37 | 3.65 | 6.12 | 6.64 | 3,130 | 187 | 303 | 328 | | 3.2 Using Debit Cards $ | 64898.80 | 4142.63 | 5796.88 | 5832.83 | 30,97,741 | 2,01,978 | 2,85,011 | 2,78,833 | | 3.3 Using Pre-paid Cards $ | 326.11 | 23.69 | 31.28 | 32.79 | 11,056 | 690 | 1,097 | 1,106 | | 4. Cash Withdrawal at PoS $ | 92.26 | 20.81 | 2.74 | 2.65 | 806 | 122 | 54 | 53 | | 4.1 Using Debit Cards $ | 79.42 | 18.08 | 2.24 | 2.20 | 557 | 102 | 22 | 22 | | 4.2 Using Pre-paid Cards $ | 12.84 | 2.73 | 0.50 | 0.44 | 248 | 19 | 32 | 31 | | 5. Cash Withdrawal at Micro ATMs @ | 11126.04 | 824.37 | 984.19 | 1073.66 | 2,99,776 | 24,138 | 27,824 | 29,828 | | 5.1 AePS @ | 11126.04 | 824.37 | 984.19 | 1073.66 | 2,99,776 | 24,138 | 27,824 | 29,828 |
| PART III - Payment Infrastructures (lakh) | | | As on March 2022 | 2021 May | 2022 | 2022 | | April | May | | 1 | 2 | 3 | 4 | | Payment System Infrastructures | | | | | | 1 Number of Cards | 9912.93 | 9643.64 | 9956.84 | 10002.10 | | 1.1 Credit Cards | 736.27 | 623.93 | 751.66 | 768.77 | | 1.2 Debit Cards | 9,176.66 | 9,019.71 | 9205.18 | 9233.33 | | 2 Number of PPIs @ | 27,403.54 | 22,609.29 | 27,405.90 | 27,692.16 | | 2.1 Wallets @ | 24,645.39 | 20,542.99 | 24,748.38 | 25,005.51 | | 2.2 Cards @ | 2,758.15 | 2,066.30 | 2,657.52 | 2,686.65 | | 3 Number of ATMs and CRMs | 2.48 | 2.40 | 2.51 | 2.52 | | 3.1 Bank owned ATMs$ and CRMs# | 2.16 | 2.15 | 2.19 | 2.20 | | 3.2 White Label ATMs $ | 0.32 | 0.26 | 0.32 | 0.32 | | 4 Number of Micro ATMs @ | 7.81 | 4.25 | 8.16 | 8.81 | | 5 Number of PoS Terminals | 60.70 | 45.20 | 61.26 | 61.69 | | 6 Bharat QR @ | 49.72 | 40.22 | 40.90 | 41.38 | | 7 UPI QR * | 1727.34 | 990.22 | 1807.21 | 1880.15 | @: 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. | |