| PART I - Payment System Indicators - Payment & Settlement System Statistics | | | Volume (lakh) | Value (₹ crore) | | FY 2021-22 | 2021 November | 2022 | 2022 | FY 2021-22 | 2021 November | 2022 | 2022 | | October | November | October | November | | 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | | A. Settlement Systems | | | | | | | | | | Financial Market Infrastructures (FMIs) | | | | | | | | | | 1 CCIL Operated Systems | 33.01 | 2.56 | 3.06 | 3.67 | 206873112 | 17364382 | 20887702 | 22488758 | | 1.1 Govt. Securities Clearing | 12.22 | 0.97 | 1.07 | 1.26 | 142072939 | 12229072 | 13863316 | 15457897 | | 1.1.1 Outright | 6.22 | 0.46 | 0.54 | 0.66 | 8793301 | 617831 | 672816 | 759097 | | 1.1.2 Repo | 3.08 | 0.26 | 0.31 | 0.36 | 51015712 | 4273958 | 5277168 | 6039868 | | 1.1.3 Tri-party Repo | 2.92 | 0.25 | 0.22 | 0.23 | 82263926 | 7337283 | 7913333 | 8658933 | | 1.2 Forex Clearing | 19.91 | 1.53 | 1.90 | 2.33 | 59775826 | 4816873 | 6514292 | 6577286 | | 1.3 Rupee Derivatives @ | 0.88 | 0.06 | 0.08 | 0.08 | 5024347 | 318437 | 510094 | 453575 | | B. Payment Systems | | | | | | | | | | I Financial Market Infrastructures (FMIs) | | | | | | | | | | 1 Credit Transfers - RTGS | 2078.39 | 172.14 | 190.34 | 206.46 | 128657516 | 10981778 | 11551277 | 12291749 | | 1.1 Customer Transactions | 2063.73 | 170.95 | 189.18 | 205.30 | 113319292 | 9589985 | 10015711 | 10691727 | | 1.2 Interbank Transactions | 14.66 | 1.19 | 1.15 | 1.16 | 15338225 | 1391793 | 1535565 | 1600022 | | II Retail | | | | | | | | | | 2 Credit Transfers - Retail | 577934.74 | 51880.87 | 85748.55 | 84557.58 | 42728006 | 3554896 | 4557107 | 4527540 | | 2.1 AePS (Fund Transfers) @ | 9.76 | 0.62 | 0.56 | 0.51 | 575 | 35 | 31 | 29 | | 2.2 APBS $ | 12573.33 | 1119.16 | 1843.72 | 1065.62 | 133345 | 9750 | 25462 | 9460 | | 2.3 IMPS | 46625.25 | 4120.29 | 4824.59 | 4634.80 | 4171037 | 364672 | 466082 | 454679 | | 2.4 NACH Cr $ | 18757.82 | 1382.00 | 1454.99 | 1373.88 | 1281685 | 97513 | 127118 | 141901 | | 2.5 NEFT | 40407.29 | 3394.00 | 4570.48 | 4388.30 | 28725463 | 2314490 | 2726827 | 2730878 | | 2.6 UPI @ | 459561.30 | 41864.80 | 73054.21 | 73094.47 | 8415900 | 768436 | 1211588 | 1190593 | | 2.6.1 of which USSD @ | 11.99 | 1.00 | 1.26 | 1.79 | 177 | 15 | 15 | 19 | | 3 Debit Transfers and Direct Debits | 12189.49 | 1039.13 | 1297.79 | 1316.60 | 1034444 | 87111 | 106956 | 110181 | | 3.1 BHIM Aadhaar Pay @ | 227.73 | 19.78 | 19.99 | 14.52 | 6113 | 536 | 604 | 475 | | 3.2 NACH Dr $ | 10754.74 | 907.32 | 1139.92 | 1164.17 | 1026641 | 86417 | 106131 | 109479 | | 3.3 NETC (linked to bank account) @ | 1207.02 | 112.03 | 137.88 | 137.91 | 1689 | 158 | 221 | 227 | | 4 Card Payments | 61,782.93 | 5,418.18 | 5,533.37 | 4,969.35 | 17,01,851 | 1,56,326 | 1,96,402 | 1,70,738 | | 4.1 Credit Cards | 22,398.82 | 2,011.16 | 2,557.88 | 2,351.41 | 971638 | 89217 | 129076 | 114821 | | 4.1.1 PoS based $ | 11124.59 | 1068.93 | 1448.32 | 1319.99 | 380643 | 37499 | 53890 | 46296 | | 4.1.2 Others $ | 11274.23 | 942.23 | 1109.56 | 1031.42 | 590994 | 51718 | 75186 | 68525 | | 4.2 Debit Cards | 39,384.11 | 3,407.02 | 2,975.49 | 2,617.94 | 730213 | 67109 | 67326 | 55917 | | 4.2.1 PoS based $ | 22967.10 | 2112.05 | 2062.25 | 1791.75 | 451550 | 43751 | 46420 | 37559 | | 4.2.2 Others $ | 16417.00 | 1294.97 | 913.24 | 826.19 | 278663 | 23358 | 20906 | 18358 | | 5 Prepaid Payment Instruments | 65,782.75 | 6,107.05 | 6,167.35 | 6,075.20 | 279416 | 24885 | 24296 | 22808 | | 5.1 Wallets | 53013.86 | 4870.19 | 4877.04 | 4730.07 | 220183 | 21041 | 18450 | 17342 | | 5.2 Cards | 12,768.89 | 1,236.87 | 1,290.31 | 1,345.14 | 59233 | 3844 | 5846 | 5466 | | 5.2.1 PoS based $ | 1116.16 | 74.48 | 83.89 | 77.72 | 19546 | 1287 | 1169 | 1039 | | 5.2.2 Others $ | 11652.73 | 1162.38 | 1206.42 | 1267.42 | 39687 | 2557 | 4677 | 4428 | | 6 Paper-based Instruments | 6,999.12 | 577.00 | 561.89 | 586.94 | 6650333 | 533223 | 550935 | 581120 | | 6.1 CTS (NPCI Managed) | 6999.12 | 577.00 | 561.89 | 586.94 | 6650333 | 533223 | 550935 | 581120 | | 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 | 65,022.23 | 99,308.95 | 97,505.68 | 52394049 | 4356441 | 5435696 | 5412387 | | Total Payments (1+2+3+4+5+6) | 7,26,767.42 | 65,194.37 | 99,499.28 | 97,712.14 | 181051565 | 15338219 | 16986973 | 17704137 | | Total Digital Payments (1+2+3+4+5) | 7,19,768.30 | 64,617.37 | 98,937.39 | 97,125.20 | 174401233 | 14804996 | 16436039 | 17123017 |
| PART II - Payment Modes and Channels | | | Volume (lakh) | Value (₹ crore) | | FY 2021-22 | 2021 November | 2022 | 2022 | FY 2021-22 | 2021 November | 2022 | 2022 | | October | November | October | November | | 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | | A. Other Payment Channels | | | | | | | | | | 1 Mobile Payments (mobile app based) | 5,06,842.31 | 45,548.53 | 78,248.76 | 79,124.19 | 1,49,61,371 | 13,24,008 | 19,81,459 | 19,92,072 | | 1.1 Intra-bank $ | 40,805.69 | 3,732.97 | 5,473.11 | 5,342.59 | 27,26,363 | 2,39,989 | 3,51,598 | 3,54,973 | | 1.2 Inter-bank $ | 4,66,036.62 | 41,815.57 | 72,775.65 | 73,781.60 | 1,22,35,007 | 10,84,018 | 16,29,861 | 16,37,100 | | 2 Internet Payments (Netbanking / internet browser based) @ | 40,726.59 | 3,318.59 | 3,628.03 | 3,496.04 | 8,31,59,996 | 70,10,707 | 71,82,384 | 78,18,605 | | 2.1 Intra-bank @ | 9,583.32 | 790.69 | 873.32 | 870.33 | 5,21,42,582 | 44,64,587 | 41,26,602 | 46,06,598 | | 2.2 Inter-bank @ | 31,143.27 | 2,527.90 | 2,754.70 | 2,625.70 | 3,10,17,413 | 25,46,120 | 30,55,782 | 32,12,007 | | B. ATMs | | | | | | | | | | 3. Cash Withdrawal at ATMs $ | 65,240.43 | 5,687.57 | 6,122.24 | 5,606.57 | 31,11,946 | 2,71,730 | 2,91,667 | 2,65,204 | | 3.1 Using Credit Cards $ | 62.37 | 5.45 | 7.67 | 7.59 | 3,130 | 276 | 375 | 367 | | 3.2 Using Debit Cards $ | 64851.61 | 5653.68 | 6076.09 | 5566.62 | 30,97,739 | 2,70,515 | 2,90,080 | 2,63,748 | | 3.3 Using Pre-paid Cards $ | 326.45 | 28.44 | 38.48 | 32.36 | 11,076 | 939 | 1,212 | 1,089 | | 4. Cash Withdrawal at PoS $ | 91.17 | 4.82 | 2.15 | 2.30 | 728 | 63 | 22.323 | 23.320 | | 4.1 Using Debit Cards $ | 79.42 | 4.14 | 2.12 | 2.28 | 557 | 39 | 22 | 23 | | 4.2 Using Pre-paid Cards $ | 11.75 | 0.68 | 0.03 | 0.02 | 171 | 24 | 0 | 0 | | 5. Cash Withdrawal at Micro ATMs @ | 11126.04 | 925.63 | 1156.16 | 944.92 | 2,99,776 | 25,112 | 30,463 | 25,541 | | 5.1 AePS @ | 11126.04 | 925.63 | 1156.16 | 944.92 | 2,99,776 | 25,112 | 30,463 | 25,541 |
| PART III - Payment Infrastructures (lakh) | | | As on March 2022 | 2021 November | 2022 | 2022 | | October | November | | 1 | 2 | 3 | 4 | | Payment System Infrastructures | | | | | | 1 Number of Cards | 9912.93 | 10015.90 | 10235.99 | 10283.92 | | 1.1 Credit Cards | 736.27 | 675.83 | 793.68 | 806.65 | | 1.2 Debit Cards | 9,176.66 | 9,340.07 | 9442.32 | 9477.28 | | 2 Number of PPIs @ | 15,553.69 | 14,832.43 | 15,985.59 | 16,098.30 | | 2.1 Wallets @ | 12,787.93 | 12,318.18 | 13,195.92 | 13,269.81 | | 2.2 Cards @ | 2,765.76 | 2,514.26 | 2,789.67 | 2,828.48 | | 3 Number of ATMs and CRMs | 2.52 | 2.42 | 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 | 0.29 | 0.35 | 0.36 | | 4 Number of Micro ATMs @ | 9.16 | 6.93 | 12.91 | 13.34 | | 5 Number of PoS Terminals | 60.70 | 52.92 | 72.11 | 73.52 | | 6 Bharat QR @ | 49.72 | 45.41 | 47.19 | 48.25 | | 7 UPI QR * | 1727.34 | 1373.33 | 2253.23 | 2302.87 |
| 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 | | November 2022 | 2.06 | 257.04 | 50,626 | 0.143 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. | |