| PART I - Payment System Indicators - Payment & Settlement System Statistics | | | Volume (lakh) | Value (₹ crore) | | FY 2021-22 | 2021 June | 2022 | 2022 | FY 2021-22 | 2021 June | 2022 | 2022 | | May | June | May | June | | 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | | A. Settlement Systems | | | | | | | | | | Financial Market Infrastructures (FMIs) | | | | | | | | | | 1 CCIL Operated Systems | 33.01 | 2.90 | 3.32 | 3.42 | 206873112 | 17144527 | 19742339 | 22912930 | | 1.1 Govt. Securities Clearing | 12.22 | 1.01 | 1.23 | 1.32 | 142072939 | 11317988 | 13110275 | 15445511 | | 1.1.1 Outright | 6.22 | 0.51 | 0.66 | 0.68 | 8793301 | 774292 | 832089 | 844409 | | 1.1.2 Repo | 3.08 | 0.27 | 0.31 | 0.34 | 51015712 | 4653921 | 4940038 | 5627915 | | 1.1.3 Tri-party Repo | 2.92 | 0.23 | 0.26 | 0.30 | 82263926 | 5889775 | 7338148 | 8973188 | | 1.2 Forex Clearing | 19.91 | 1.82 | 1.98 | 1.97 | 59775826 | 5408999 | 6039213 | 6778125 | | 1.3 Rupee Derivatives @ | 0.88 | 0.07 | 0.11 | 0.13 | 5024347 | 417541 | 592851 | 689294 | | B. Payment Systems | | | | | | | | | | I Financial Market Infrastructures (FMIs) | | | | | | | | | | 1 Credit Transfers - RTGS | 2078.39 | 154.14 | 195.72 | 194.42 | 128657516 | 10196989 | 11183947 | 12356054 | | 1.1 Customer Transactions | 2063.73 | 152.92 | 194.53 | 193.18 | 113319292 | 8887546 | 9851274 | 10840909 | | 1.2 Interbank Transactions | 14.66 | 1.22 | 1.19 | 1.24 | 15338225 | 1309444 | 1332673 | 1515145 | | II Retail | | | | | | | | | | 2 Credit Transfers - Retail | 577934.74 | 36684.40 | 72187.50 | 69921.27 | 42728006 | 3029728 | 4177865 | 4298158 | | 2.1 AePS (Fund Transfers) @ | 9.76 | 1.06 | 0.58 | 0.62 | 575 | 64 | 36 | 37 | | 2.2 APBS $ | 12573.33 | 1148.34 | 2268.03 | 1222.24 | 133345 | 8143 | 41011 | 23010 | | 2.3 IMPS | 46625.25 | 3038.45 | 4848.13 | 4557.01 | 4171037 | 284111 | 452328 | 443776 | | 2.4 NACH Cr $ | 18757.82 | 1498.12 | 1794.53 | 1489.99 | 1281685 | 92266 | 97341 | 100909 | | 2.5 NEFT | 40407.29 | 2923.27 | 3813.34 | 4022.33 | 28725463 | 2097771 | 2546928 | 2716013 | | 2.6 UPI @ | 459561.30 | 28075.16 | 59462.89 | 58629.08 | 8415900 | 547373 | 1040221 | 1014413 | | 2.6.1 of which USSD @ | 11.99 | 1.03 | 1.00 | 0.99 | 177 | 16 | 14 | 12 | | 3 Debit Transfers and Direct Debits | 12189.49 | 981.70 | 1177.32 | 1225.96 | 1034444 | 86759 | 95542 | 100325 | | 3.1 BHIM Aadhaar Pay @ | 227.73 | 17.66 | 17.81 | 39.82 | 6113 | 417 | 571 | 1049 | | 3.2 NACH Dr $ | 10754.74 | 878.73 | 1018.05 | 1048.14 | 1026641 | 86215 | 94752 | 99060 | | 3.3 NETC (linked to bank account) @ | 1207.02 | 85.31 | 141.46 | 138.00 | 1689 | 128 | 218 | 216 | | 4 Card Payments | 61,782.93 | 4,493.75 | 5,698.25 | 5,378.79 | 1701851 | 113790 | 179520 | 169754 | | 4.1 Credit Cards | 22,398.82 | 1,547.01 | 2,378.03 | 2,279.46 | 971638 | 62746 | 113694 | 108752 | | 4.1.1 PoS based $ | 11124.59 | 690.40 | 1220.26 | 1210.51 | 380643 | 23977 | 42266 | 40466 | | 4.1.2 Others $ | 11274.23 | 856.61 | 1157.77 | 1068.95 | 590994 | 38769 | 71428 | 68286 | | 4.2 Debit Cards | 39,384.11 | 2,946.74 | 3,320.22 | 3,099.33 | 730213 | 51044 | 65827 | 61002 | | 4.2.1 PoS based $ | 22967.10 | 1505.09 | 2150.28 | 2012.90 | 451550 | 28743 | 44273 | 39877 | | 4.2.2 Others $ | 16417.00 | 1441.65 | 1169.94 | 1086.43 | 278663 | 22300 | 21554 | 21126 | | 5 Prepaid Payment Instruments | 65,782.75 | 4,585.92 | 6,529.11 | 6,258.03 | 279416 | 18657 | 25698 | 24738 | | 5.1 Wallets | 53013.86 | 3906.02 | 5198.06 | 4979.19 | 220183 | 15849 | 19616 | 18488 | | 5.2 Cards | 12,768.89 | 679.91 | 1,331.05 | 1,278.83 | 59233 | 2808 | 6082 | 6250 | | 5.2.1 PoS based $ | 1116.16 | 50.54 | 92.80 | 87.22 | 19546 | 667 | 1336 | 1301 | | 5.2.2 Others $ | 11652.73 | 629.36 | 1238.25 | 1191.62 | 39687 | 2140 | 4746 | 4949 | | 6 Paper-based Instruments | 6,999.12 | 511.38 | 590.44 | 593.72 | 6650333 | 477430 | 594562 | 599196 | | 6.1 CTS (NPCI Managed) | 6999.12 | 511.38 | 590.44 | 593.72 | 6650333 | 477430 | 594562 | 599196 | | 6.2 Others | 0.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0 | 0 | | Total - Retail Payments (2+3+4+5+6) | 7,24,689.03 | 47,257.15 | 86,182.62 | 83,377.76 | 52394049 | 3726363 | 5073187 | 5192171 | | Total Payments (1+2+3+4+5+6) | 7,26,767.42 | 47,411.29 | 86,378.35 | 83,572.18 | 181051565 | 13923352 | 16257134 | 17548225 | | Total Digital Payments (1+2+3+4+5) | 7,19,768.30 | 46,899.91 | 85,787.91 | 82,978.46 | 174401233 | 13445923 | 15662572 | 16949029 |
| PART II - Payment Modes and Channels | | | Volume (lakh) | Value (₹ crore) | | FY 2021-22 | 2021 June | 2022 | 2022 | FY 2021-22 | 2021 June | 2022 | 2022 | | May | June | May | June | | 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | | A. Other Payment Channels | | | | | | | | | | 1 Mobile Payments (mobile app based) | 5,07,531.37 | 32,127.11 | 64,186.29 | 62,579.11 | 1,49,73,395 | 10,33,735 | 17,53,658 | 17,14,907 | | 1.1 Intra-bank $ | 40,805.69 | 2,829.58 | 4,617.48 | 4,309.49 | 27,26,360 | 1,96,264 | 3,18,478 | 3,05,103 | | 1.2 Inter-bank $ | 4,66,725.68 | 29,297.53 | 59,568.81 | 58,269.61 | 1,22,47,035 | 8,37,471 | 14,35,180 | 14,09,804 | | 2 Internet Payments (Netbanking / internet browser based) @ | 40,726.59 | 3,055.26 | 3,751.53 | 3,550.83 | 8,31,59,996 | 67,09,926 | 72,59,551 | 82,06,144 | | 2.1 Intra-bank @ | 9,583.32 | 705.17 | 993.69 | 866.17 | 5,21,42,582 | 43,55,975 | 43,40,071 | 51,34,603 | | 2.2 Inter-bank @ | 31,143.27 | 2,350.09 | 2,757.84 | 2,684.67 | 3,10,17,413 | 23,53,951 | 29,19,480 | 30,71,541 | | B. ATMs | | | | | | | | | | 3. Cash Withdrawal at ATMs $ | 65,287.63 | 4,761.69 | 5,872.27 | 5,734.36 | 31,11,948 | 2,29,638 | 2,80,267 | 2,71,368 | | 3.1 Using Credit Cards $ | 62.37 | 4.31 | 6.64 | 6.79 | 3,130 | 219 | 328 | 336 | | 3.2 Using Debit Cards $ | 64898.80 | 4735.38 | 5832.84 | 5694.37 | 30,97,741 | 2,28,681 | 2,78,833 | 2,69,936 | | 3.3 Using Pre-paid Cards $ | 326.45 | 22.00 | 32.79 | 33.20 | 11,076 | 738 | 1,106 | 1,096 | | 4. Cash Withdrawal at PoS $ | 91.17 | 7.87 | 2.23 | 2.30 | 728 | 59 | 22 | 22 | | 4.1 Using Debit Cards $ | 79.42 | 7.03 | 2.20 | 2.27 | 557 | 44 | 22 | 22 | | 4.2 Using Pre-paid Cards $ | 11.75 | 0.84 | 0.03 | 0.03 | 171 | 15 | 0 | 0 | | 5. Cash Withdrawal at Micro ATMs @ | 11126.04 | 856.89 | 1073.66 | 1167.16 | 2,99,776 | 24,187 | 29,828 | 31,318 | | 5.1 AePS @ | 11126.04 | 856.89 | 1073.66 | 1167.16 | 2,99,776 | 24,187 | 29,828 | 31,318 |
| PART III - Payment Infrastructures (lakh) | | | As on March 2022 | 2021 June | 2022 | 2022 | | May | June | | 1 | 2 | 3 | 4 | | Payment System Infrastructures | | | | | | 1 Number of Cards | 9912.93 | 9684.46 | 10002.10 | 10004.74 | | 1.1 Credit Cards | 736.27 | 628.15 | 768.77 | 787.23 | | 1.2 Debit Cards | 9,176.66 | 9,056.31 | 9233.33 | 9217.52 | | 2 Number of PPIs @ | 27,411.16 | 22,947.96 | 27,989.08 | 30,331.42 | | 2.1 Wallets @ | 24,645.40 | 20,861.58 | 25,302.43 | 27,673.99 | | 2.2 Cards @ | 2,765.76 | 2,086.38 | 2,686.65 | 2,657.43 | | 3 Number of ATMs and CRMs | 2.52 | 2.40 | 2.52 | 2.53 | | 3.1 Bank owned ATMs$ and CRMs# | 2.20 | 2.14 | 2.20 | 2.20 | | 3.2 White Label ATMs $ | 0.31 | 0.26 | 0.32 | 0.33 | | 4 Number of Micro ATMs @ | 7.81 | 4.54 | 8.81 | 9.40 | | 5 Number of PoS Terminals | 60.70 | 45.93 | 61.69 | 65.91 | | 6 Bharat QR @ | 49.72 | 40.83 | 41.38 | 42.80 | | 7 UPI QR * | 1727.34 | 1026.76 | 1880.15 | 1951.71 | @: 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. | |