| PART I - Payment System Indicators - Payment & Settlement System Statistics | | | Volume (lakh) | Value (₹ crore) | | FY 2021-22 | 2021
October | 2022 | 2022 | FY 2021-22 | 2021
October | 2022 | 2022 | | September | October | September | October | | 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | | A. Settlement Systems | | | | | | | | | | Financial Market Infrastructures (FMIs) | | | | | | | | | | 1 CCIL Operated Systems | 33.01 | 2.85 | 3.97 | 3.06 | 206873112 | 16600978 | 24321858 | 20887702 | | 1.1 Govt. Securities Clearing | 12.22 | 1.04 | 1.51 | 1.07 | 142072939 | 11415739 | 16060463 | 13863316 | | 1.1.1 Outright | 6.22 | 0.55 | 0.86 | 0.54 | 8793301 | 745937 | 1027326 | 672816 | | 1.1.2 Repo | 3.08 | 0.25 | 0.36 | 0.31 | 51015712 | 3822009 | 6014630 | 5277168 | | 1.1.3 Tri-party Repo | 2.92 | 0.23 | 0.30 | 0.22 | 82263926 | 6847793 | 9018508 | 7913333 | | 1.2 Forex Clearing | 19.91 | 1.73 | 2.34 | 1.90 | 59775826 | 4736040 | 7499481 | 6514292 | | 1.3 Rupee Derivatives @ | 0.88 | 0.08 | 0.11 | 0.08 | 5024347 | 449200 | 761914 | 510094 | | B. Payment Systems | | | | | | | | | | I Financial Market Infrastructures (FMIs) | | | | | | | | | | 1 Credit Transfers - RTGS | 2078.39 | 184.11 | 198.30 | 190.34 | 128657516 | 10134368 | 13789637 | 11551277 | | 1.1 Customer Transactions | 2063.73 | 182.90 | 197.10 | 189.18 | 113319292 | 8956918 | 12094321 | 10015711 | | 1.2 Interbank Transactions | 14.66 | 1.22 | 1.20 | 1.15 | 15338225 | 1177450 | 1695316 | 1535565 | | II Retail | | | | | | | | | | 2 Credit Transfers - Retail | 577934.74 | 52919.52 | 79564.55 | 85748.55 | 42728006 | 3748602 | 4621357 | 4557107 | | 2.1 AePS (Fund Transfers) @ | 9.76 | 0.86 | 0.55 | 0.56 | 575 | 49 | 32 | 31 | | 2.2 APBS $ | 12573.33 | 1192.91 | 1170.39 | 1843.72 | 133345 | 7519 | 12805 | 25462 | | 2.3 IMPS | 46625.25 | 4306.71 | 4622.31 | 4824.59 | 4171037 | 370712 | 454451 | 466082 | | 2.4 NACH Cr $ | 18757.82 | 1660.26 | 1630.85 | 1454.99 | 1281685 | 122519 | 114718 | 127118 | | 2.5 NEFT | 40407.29 | 3574.46 | 4332.45 | 4570.48 | 28725463 | 2476397 | 2922913 | 2726827 | | 2.6 UPI @ | 459561.30 | 42184.32 | 67808.00 | 73054.21 | 8415900 | 771407 | 1116438 | 1211588 | | 2.6.1 of which USSD @ | 11.99 | 1.11 | 1.47 | 1.26 | 177 | 16 | 17 | 15 | | 3 Debit Transfers and Direct Debits | 12189.49 | 979.36 | 1256.45 | 1297.79 | 1034444 | 85776 | 105856 | 106956 | | 3.1 BHIM Aadhaar Pay @ | 227.73 | 21.49 | 16.35 | 19.99 | 6113 | 560 | 516 | 604 | | 3.2 NACH Dr $ | 10754.74 | 865.69 | 1113.20 | 1139.92 | 1026641 | 85103 | 105128 | 106131 | | 3.3 NETC (linked to bank account) @ | 1207.02 | 92.18 | 126.90 | 137.88 | 1689 | 114 | 211 | 221 | | 4 Card Payments | 61,782.93 | 6,008.76 | 5,363.24 | 5,533.85 | 17,01,851 | 1,77,413 | 1,83,981 | 1,96,617 | | 4.1 Credit Cards | 22,398.82 | 2,155.81 | 2,460.17 | 2,561.33 | 971638 | 100943 | 122554 | 129334 | | 4.1.1 PoS based $ | 11124.59 | 1075.23 | 1317.07 | 1451.02 | 380643 | 38442 | 45287 | 54148 | | 4.1.2 Others $ | 11274.23 | 1080.58 | 1143.10 | 1110.31 | 590994 | 62500 | 77267 | 75186 | | 4.2 Debit Cards | 39,384.11 | 3,852.95 | 2,903.07 | 2,972.52 | 730213 | 76471 | 61427 | 67283 | | 4.2.1 PoS based $ | 22967.10 | 2302.56 | 1888.46 | 2050.43 | 451550 | 47226 | 38135 | 46396 | | 4.2.2 Others $ | 16417.00 | 1550.39 | 1014.61 | 922.09 | 278663 | 29245 | 23292 | 20887 | | 5 Prepaid Payment Instruments | 65,782.75 | 6,130.90 | 6,048.61 | 6,167.35 | 279416 | 25757 | 24090 | 24296 | | 5.1 Wallets | 53013.86 | 4888.97 | 4706.99 | 4877.04 | 220183 | 21702 | 17915 | 18450 | | 5.2 Cards | 12,768.89 | 1,241.93 | 1,341.62 | 1,290.31 | 59233 | 4055 | 6175 | 5846 | | 5.2.1 PoS based $ | 1116.16 | 64.58 | 79.41 | 83.89 | 19546 | 998 | 1172 | 1169 | | 5.2.2 Others $ | 11652.73 | 1177.35 | 1262.21 | 1206.42 | 39687 | 3057 | 5004 | 4677 | | 6 Paper-based Instruments | 6,999.12 | 635.20 | 603.84 | 561.89 | 6650333 | 582604 | 591106 | 550935 | | 6.1 CTS (NPCI Managed) | 6999.12 | 635.20 | 603.84 | 561.89 | 6650333 | 582604 | 591106 | 550935 | | 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 | 66,673.75 | 92,836.69 | 99,309.42 | 52394049 | 4620153 | 5526390 | 5435911 | | Total Payments (1+2+3+4+5+6) | 7,26,767.42 | 66,857.86 | 93,034.99 | 99,499.76 | 181051565 | 14754521 | 19316027 | 16987188 | | Total Digital Payments (1+2+3+4+5) | 7,19,768.30 | 66,222.66 | 92,431.15 | 98,937.87 | 174401233 | 14171917 | 18724921 | 16436254 |
| PART II - Payment Modes and Channels | | | Volume (lakh) | Value (₹ crore) | | FY 2021-22 | 2021
October | 2022 | 2022 | FY 2021-22 | 2021
October | 2022 | 2022 | | September | October | September | October | | 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | | A. Other Payment Channels | | | | | | | | | | 1 Mobile Payments (mobile app based) | 5,06,842.31 | 45,884.20 | 72,862.29 | 78,248.46 | 1,49,61,371 | 13,53,833 | 18,82,943 | 19,81,406 | | 1.1 Intra-bank $ | 40,805.69 | 3,761.40 | 5,133.31 | 5,473.11 | 27,26,363 | 2,43,728 | 3,48,416 | 3,51,595 | | 1.2 Inter-bank $ | 4,66,036.62 | 42,122.80 | 67,728.99 | 72,775.35 | 1,22,35,007 | 11,10,105 | 15,34,526 | 16,29,812 | | 2 Internet Payments (Netbanking / internet browser based) @ | 40,726.59 | 3,689.87 | 3,585.10 | 3,628.03 | 8,31,59,996 | 66,17,482 | 84,33,346 | 71,82,384 | | 2.1 Intra-bank @ | 9,583.32 | 862.55 | 918.60 | 873.32 | 5,21,42,582 | 39,70,049 | 49,85,305 | 41,26,602 | | 2.2 Inter-bank @ | 31,143.27 | 2,827.31 | 2,666.49 | 2,754.70 | 3,10,17,413 | 26,47,433 | 34,48,041 | 30,55,782 | | B. ATMs | | | | | | | | | | 3. Cash Withdrawal at ATMs $ | 65,240.43 | 6,032.74 | 5,725.75 | 6,119.16 | 31,11,946 | 2,89,887 | 2,65,244 | 2,91,538 | | 3.1 Using Credit Cards $ | 62.37 | 5.64 | 7.24 | 7.67 | 3,130 | 286 | 352 | 375 | | 3.2 Using Debit Cards $ | 64851.61 | 5998.03 | 5684.15 | 6073.01 | 30,97,739 | 2,88,605 | 2,63,765 | 2,89,951 | | 3.3 Using Pre-paid Cards $ | 326.45 | 29.07 | 34.36 | 38.48 | 11,076 | 997 | 1,127 | 1,212 | | 4. Cash Withdrawal at PoS $ | 91.17 | 5.34 | 2.71 | 2.15 | 728 | 64 | 34 | 22 | | 4.1 Using Debit Cards $ | 79.42 | 4.44 | 2.67 | 2.12 | 557 | 39 | 34 | 22 | | 4.2 Using Pre-paid Cards $ | 11.75 | 0.90 | 0.04 | 0.03 | 171 | 25 | 0 | 0 | | 5. Cash Withdrawal at Micro ATMs @ | 11126.04 | 946.33 | 1004.99 | 1156.16 | 2,99,776 | 24,799 | 26,097 | 30,463 | | 5.1 AePS @ | 11126.04 | 946.33 | 1004.99 | 1156.16 | 2,99,776 | 24,799 | 26,097 | 30,463 |
| PART III - Payment Infrastructures (lakh) | | | As on March 2022 | 2021
October | 2022 | 2022 | | September | October | | 1 | 2 | 3 | 4 | | Payment System Infrastructures | | | | | | 1 Number of Cards | 9912.93 | 9991.95 | 10162.40 | 10188.29 | | 1.1 Credit Cards | 736.27 | 663.61 | 777.02 | 793.68 | | 1.2 Debit Cards | 9,176.66 | 9,328.34 | 9385.38 | 9394.61 | | 2 Number of PPIs @ | 15,553.69 | 14,450.87 | 15,842.95 | 15,968.37 | | 2.1 Wallets @ | 12,787.93 | 12,025.10 | 13,106.33 | 13,195.92 | | 2.2 Cards @ | 2,765.76 | 2,425.77 | 2,736.62 | 2,772.44 | | 3 Number of ATMs and CRMs | 2.52 | 2.41 | 2.55 | 2.55 | | 3.1 Bank owned ATMs$ and CRMs# | 2.20 | 2.13 | 2.20 | 2.20 | | 3.2 White Label ATMs $ | 0.31 | 0.28 | 0.35 | 0.35 | | 4 Number of Micro ATMs @ | 9.16 | 6.71 | 12.39 | 12.90 | | 5 Number of PoS Terminals | 60.70 | 51.55 | 70.35 | 72.11 | | 6 Bharat QR @ | 49.72 | 44.35 | 48.64 | 47.19 | | 7 UPI QR * | 1727.34 | 1285.05 | 2164.30 | 2253.23 |
| PART IV - Domestic Payment Frauds | | | Volume (Lakh) | Value (Crore) | One in every X payment transaction fraudulent | FTS (Fraud / Payment Value * 10000) | | September 2022 | 1.71 | 249.42 | 58,177 | 0.127 bps | | October 2022 | 1.79 | 219.73 | 59,533 | 0.127 bps | @: 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.
5. Data on domestic payment fraud statistics as reported by Scheduled Commercial Banks (excluding RRBs), Non-bank PPI issuers and Non-bank Credit Card issuers in CPFIR (Central Payments Fraud Information Registry).
6. Data does not include attempts to perpetrate frauds. | |