Payment System Indicators

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Payment System Indicators - August 2022
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2021-22 2021 August 2022 2022 FY 2021-22 2021 August 2022 2022
July August July August
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 33.01 2.51 3.39 3.30 206873112 15362952 21126044 20028644
1.1 Govt. Securities Clearing 12.22 0.96 1.33 1.33 142072939 10388877 14218681 13493765
1.1.1 Outright 6.22 0.50 0.71 0.75 8793301 730532 851204 888832
1.1.2 Repo 3.08 0.24 0.34 0.32 51015712 3479766 5764070 5251883
1.1.3 Tri-party Repo 2.92 0.22 0.28 0.25 82263926 6178579 7603407 7353051
1.2 Forex Clearing 19.91 1.48 1.93 1.89 59775826 4599545 6272728 5970122
1.3 Rupee Derivatives @ 0.88 0.06 0.13 0.09 5024347 374530 634635 564757
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 2078.39 166.52 189.26 188.08 128657516 10164296 11551440 11665583
1.1 Customer Transactions 2063.73 165.34 188.06 186.92 113319292 8940380 9927091 10274480
1.2 Interbank Transactions 14.66 1.18 1.20 1.16 15338225 1223916 1624349 1391103
II Retail                
2 Credit Transfers - Retail 577934.74 45370.66 74673.64 77757.95 42728006 3277624 4267239 4288963
2.1 AePS (Fund Transfers) @ 9.76 1.05 0.68 0.54 575 61 40 30
2.2 APBS $ 12573.33 722.32 1259.99 1162.46 133345 10305 12511 9662
2.3 IMPS 46625.25 3797.12 4608.30 4669.09 4171037 320203 444541 445989
2.4 NACH Cr $ 18757.82 2075.99 1892.88 1940.04 1281685 98119 119677 128480
2.5 NEFT 40407.29 3218.73 4018.39 4166.76 28725463 2209818 2627354 2631639
2.6 UPI @ 459561.30 35555.45 62893.40 65819.06 8415900 639117 1063117 1073162
2.6.1 of which USSD @ 11.99 1.14 1.62 1.63 177 17 18 17
3 Debit Transfers and Direct Debits 12189.49 1008.32 1217.97 1247.15 1034444 85436 100581 102824
3.1 BHIM Aadhaar Pay @ 227.73 21.99 21.26 17.57 6113 462 621 516
3.2 NACH Dr $ 10754.74 876.81 1067.05 1097.38 1026641 84818 99754 102100
3.3 NETC (linked to bank account) @ 1207.02 109.52 129.66 132.20 1689 155 207 209
4 Card Payments 61,782.93 5,493.00 5,481.80 5,481.30 17,01,851 1,42,600 1,80,371 1,74,516
4.1 Credit Cards 22,398.82 1,904.71 2,348.34 2,447.83 971638 77733 115856 112358
4.1.1 PoS based $ 11124.59 984.62 1220.69 1330.54 380643 32969 41767 44943
4.1.2 Others $ 11274.23 920.08 1127.64 1117.30 590994 44764 74089 67414
4.2 Debit Cards 39,384.11 3,588.29 3,133.47 3,033.47 730213 64867 64515 62159
4.2.1 PoS based $ 22967.10 2119.63 2053.40 2012.17 451550 41177 41211 40585
4.2.2 Others $ 16417.00 1468.66 1080.07 1021.30 278663 23690 23304 21574
5 Prepaid Payment Instruments 65,782.75 5,259.90 6,195.34 6,177.69 279416 22362 25309 24625
5.1 Wallets 53013.86 4227.08 4855.87 4877.42 220183 17746 18775 18495
5.2 Cards 12,768.89 1,032.82 1,339.48 1,300.27 59233 4617 6534 6131
5.2.1 PoS based $ 1116.16 132.27 85.43 83.90 19546 1110 1285 1177
5.2.2 Others  $ 11652.73 900.54 1254.05 1216.37 39687 3507 5250 4953
6 Paper-based Instruments 6,999.12 588.62 588.67 575.81 6650333 533903 579727 548385
6.1 CTS (NPCI Managed) 6999.12 588.62 588.67 575.81 6650333 533903 579727 548385
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 57,720.50 88,157.42 91,239.89 52394049 4061924 5153226 5139314
Total Payments (1+2+3+4+5+6) 7,26,767.42 57,887.02 88,346.69 91,427.97 181051565 14226220 16704666 16804896
Total Digital Payments (1+2+3+4+5) 7,19,768.30 57,298.40 87,758.02 90,852.16 174401233 13692317 16124940 16256512

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2021-22 2021 August 2022 2022 FY 2021-22 2021 August 2022 2022
July August July August
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 5,07,531.37 39,029.40 68,451.32 72,227.76 1,49,73,493 11,36,503 17,86,719 18,27,748
1.1 Intra-bank $ 40,805.69 3,244.29 4,902.42 6,590.62 27,26,363 2,01,774 3,23,929 3,63,782
1.2 Inter-bank $ 4,66,725.68 35,785.12 63,548.90 65,637.14 1,22,47,129 9,34,729 14,62,790 14,63,966
2 Internet Payments (Netbanking / internet browser based) @ 40,726.59 3,561.18 3,765.16 3,537.74 8,31,59,996 65,37,169 73,96,630 73,51,640
2.1 Intra-bank @ 9,583.32 814.17 934.78 932.41 5,21,42,582 40,87,618 44,50,729 43,04,970
2.2 Inter-bank @ 31,143.27 2,747.01 2,830.38 2,605.33 3,10,17,413 24,49,550 29,45,902 30,46,670
B. ATMs                
3. Cash Withdrawal at ATMs $ 65,240.43 5,684.73 5,774.19 5,766.61 31,11,946 2,62,881 2,72,103 2,68,788
3.1 Using Credit Cards $ 62.37 5.02 6.95 7.46 3,130 248 342 359
3.2 Using Debit Cards $ 64851.61 5652.37 5731.82 5723.84 30,97,739 2,61,683 2,70,609 2,67,289
3.3 Using Pre-paid Cards $ 326.45 27.35 35.42 35.31 11,076 949 1,152 1,141
4. Cash Withdrawal at PoS $ 91.17 6.52 2.26 2.19 728 64 22 21
4.1 Using Debit Cards $ 79.42 5.50 2.25 2.16 557 42 22 21
4.2 Using Pre-paid Cards $ 11.75 1.02 0.01 0.03 171 22 0 0
5. Cash Withdrawal at Micro ATMs @ 11126.04 1061.82 1082.22 1021.48 2,99,776 26,830 29,517 26,193
5.1 AePS @ 11126.04 1061.82 1082.22 1021.48 2,99,776 26,830 29,517 26,193

PART III - Payment Infrastructures (lakh)
  As on March 2022 2021 August 2022 2022
July August
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 9912.93 9771.97 10077.33 10128.50
1.1 Credit Cards 736.27 639.34 802.56 779.91
1.2 Debit Cards 9,176.66 9,132.63 9274.77 9348.59
2 Number of PPIs @ 15,553.69 13,682.92 15,604.53 15,661.77
2.1 Wallets @ 12,787.93 11,510.97 12,922.65 12,948.75
2.2 Cards @ 2,765.76 2,171.94 2,681.89 2,713.02
3 Number of ATMs and CRMs 2.52 2.41 2.54 2.54
3.1 Bank owned ATMs$ and CRMs# 2.20 2.14 2.20 2.20
3.2 White Label ATMs $ 0.31 0.27 0.34 0.34
4 Number of Micro ATMs @ 9.16 6.31 10.97 11.31
5 Number of PoS Terminals 60.70 48.16 68.19 70.58
6 Bharat QR @ 49.72 43.52 45.21 47.49
7 UPI QR * 1727.34 1142.06 2014.22 2092.54
@: 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.

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