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Payment System Indicators

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Payment System Indicators - June 2023
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2022-23 2022 June 2023 2023 FY 2022-23 2022 June 2023 2023
May June May June
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 41.44 3.42 4.03 3.81 258797336 22912930 22537634 22638088
1.1 Govt. Securities Clearing 15.00 1.32 1.63 1.54 172251292 15445511 15227196 15259736
1.1.1 Outright 7.99 0.68 0.98 0.88 10090700 844409 1326724 1299039
1.1.2 Repo 4.07 0.34 0.45 0.45 68032487 5627915 7732270 7312076
1.1.3 Tri-party Repo 2.94 0.30 0.20 0.21 94128105 8973188 6168201 6648621
1.2 Forex Clearing 25.16 1.97 2.23 2.17 78932050 6778125 6189356 6854522
1.3 Rupee Derivatives @ 1.27 0.13 0.17 0.10 7613994 689294 1121082 523830
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 2425.62 194.42 220.46 212.30 149946286 12356054 12882587 14336617
1.1 Customer Transactions 2411.19 193.18 219.21 211.10 131667176 10840909 11413321 12739932
1.2 Interbank Transactions 14.43 1.24 1.25 1.20 18279111 1515145 1469266 1596685
II Retail                
2 Credit Transfers - Retail 983620.84 69921.27 107130.93 106299.38 55009620 4298158 5196720 5151213
2.1 AePS (Fund Transfers) @ 5.90 0.62 0.34 0.30 356 37 23 20
2.2 APBS $ 17833.95 1222.24 1838.94 1875.41 247535 23010 31424 25772
2.3 IMPS 56532.64 4557.01 5015.49 4681.02 5585441 443776 527558 500482
2.4 NACH Cr $ 19257.19 1489.99 1227.66 1294.91 1541815 100909 122239 109983
2.5 NEFT 52847.43 4022.33 4896.66 5097.12 33719541 2716013 3026331 3039491
2.6 UPI @ 837143.73 58629.08 94151.85 93350.61 13914932 1014413 1489145 1475464
2.6.1 of which USSD @ 17.21 0.99 1.75 2.18 197 12 21 30
3 Debit Transfers and Direct Debits 15343.05 1225.96 1457.43 1453.92 1289611 100325 125654 129549
3.1 BHIM Aadhaar Pay @ 214.22 39.82 15.45 14.83 6791 1049 535 487
3.2 NACH Dr $ 13502.52 1048.14 1288.88 1296.38 1280219 99060 124864 128819
3.3 NETC (linked to bank account) @ 1626.31 138.00 153.10 142.71 2601 216 256 243
4 Card Payments 63337.24 5370.07 4974.51 4731.29 2152418 169643 193436 188284
4.1 Credit Cards 29145.25 2279.46 2734.74 2629.05 1432255 108752 140660 137234
4.1.1 PoS based $ 15598.70 1210.51 1419.98 1378.71 541944 40466 50811 48854
4.1.2 Others $ 13546.54 1068.95 1314.76 1250.34 890311 68286 89849 88380
4.2 Debit Cards 34192.00 3090.61 2239.77 2102.24 720163 60891 52776 51049
4.2.1 PoS based $ 22917.38 2012.90 1592.87 1499.66 476693 39877 35589 33778
4.2.2 Others $ 11274.61 1077.72 646.89 602.58 243470 21014 17187 17271
5 Prepaid Payment Instruments 74667.44 6258.03 6872.86 6464.03 287111 24738 23967 23114
5.1 Wallets 59112.76 4979.19 5660.41 5294.78 221896 18488 20344 19767
5.2 Cards 15554.69 1278.83 1212.46 1169.24 65215 6250 3624 3347
5.2.1 PoS based $ 1013.09 87.22 721.33 681.07 14777 1301 1190 1016
5.2.2 Others $ 14541.60 1191.62 491.13 488.17 50438 4949 2434 2331
6 Paper-based Instruments 7102.88 593.72 572.39 539.37 7173581 599196 627772 578306
6.1 CTS (NPCI Managed) 7102.88 593.72 572.39 539.37 7173581 599196 627772 578306
6.2 Others 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Retail Payments (2+3+4+5+6) 1144071.46 83369.04 121008.13 119487.97 65912340 5192060 6167549 6070466
Total Payments (1+2+3+4+5+6) 1146497.08 83563.46 121228.59 119700.28 215858626 17548113 19050136 20407083
Total Digital Payments (1+2+3+4+5) 1139394.20 82969.74 120656.20 119160.91 208685046 16948917 18422364 19828777

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2022-23 2022 June 2023 2023 FY 2022-23 2022 June 2023 2023
May June May June
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 806541.16 55965.36 87374.84 88411.48 22031617 1631824 2268476 2243149
1.1 Intra-bank $ 62306.61 4309.58 6127.73 6145.85 4191430 305197 424314 416271
1.2 Inter-bank $ 744234.54 51655.77 81247.11 82265.63 17840187 1326627 1844163 1826878
2 Internet Payments (Netbanking / internet browser based) @ 42630.64 3572.22 3597.97 3564.77 91539296 8264386 7800705 8354438
2.1 Intra-bank @ 10703.78 870.16 916.90 929.63 53506133 5147947 4116658 4456179
2.2 Inter-bank @ 31926.86 2702.06 2681.08 2635.13 38033163 3116439 3684047 3898259
B. ATMs                
3. Cash Withdrawal at ATMs $ 69465.15 5730.78 5694.70 5398.31 3305007 271367 279622 268351
3.1 Using Credit Cards $ 88.37 6.79 7.73 7.43 4296 336 366 352
3.2 Using Debit Cards $ 68971.46 5690.79 5655.91 5361.29 3286748 269935 278080 266925
3.3 Using Pre-paid Cards $ 405.32 33.20 31.07 29.58 13963 1096 1175 1074
4. Cash Withdrawal at PoS $ 27.73 2.30 2.33 2.29 278 22 23 23
4.1 Using Debit Cards $ 27.41 2.27 2.31 2.29 276 22 23 23
4.2 Using Pre-paid Cards $ 0.33 0.03 0.02 0.01 2 0 0 0
5. Cash Withdrawal at Micro ATMs @ 12375.16 1167.16 979.64 943.77 333966 31318 27469 25991
5.1 AePS @ 12375.16 1167.16 979.64 943.77 333966 31318 27469 25991

PART III - Payment Infrastructures (lakh)
  As on March 2023 2022 June 2023 2023
May June
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 10465.62 9941.74 10616.74 10645.15
1.1 Credit Cards 853.03 787.23 877.47 886.82
1.2 Debit Cards 9612.59 9154.51 9739.26 9758.33
2 Number of PPIs @ 16185.22 15608.66 16455.95 16530.36
2.1 Wallets @ 13384.65 12932.46 13372.11 13409.19
2.2 Cards @ 2800.57 2676.20 3083.84 3121.17
3 Number of ATMs and CRMs 2.59 2.53 2.56 2.59
3.1 Bank owned ATMs$ and CRMs# 2.23 2.20 2.20 2.23
3.2 White Label ATMs $ 0.36 0.33 0.36 0.36
4 Number of Micro ATMs @ 16.11 10.72 14.66 14.96
5 Number of PoS Terminals 77.90 65.91 79.61 80.94
6 Bharat QR @ 53.82 42.80 55.45 56.88
7 UPI QR * 2563.77 1952.91 2667.57 2720.15

PART IV - Payment Modes and Channels (International)
  Details of International transactions done using cards (credit, debit and PPI) issued in India
Volume (lakh) Value (₹ crore)
2023 2023 2023 2023
May June May June
1. Card Payments 95.41 95.88 8319 8658
1.1 Credit Cards 61.30 61.80 6145 6236
1.1.1 PoS based 26.27 27.02 1997 2069
1.1.2 Online 35.03 34.78 4148 4167
1.2 Debit Cards 34.11 34.07 2175 2422
1.2.1 PoS based 14.60 14.55 733 722
1.2.2 Online 19.50 19.53 1442 1700
2. Prepaid Payment Instruments 33.59 34.72 1438 1558
2.1 PoS based 29.95 31.18 1191 1313
2.2 Online 3.64 3.55 247 245
3. Cash Withdrawal at ATMs 7.51 7.63 1731 1977
3.1 Using Credit Cards 0.37 0.40 56 65
3.2 Using Debit Cards 5.00 5.06 951 1132
3.3 Using PPIs 2.14 2.17 724 779
Total International Payments 136.50 138.23 11488 12193

PART V - Domestic Payment Frauds
  Volume (Lakh) Value (Crore) One in every X payment transaction fraudulent FTS (Fraud / Payment Value * 10000)
September 2022 1.71 249 58177.41 0.127 bps
October 2022 1.79 220 59533.35 0.127 bps
November 2022 2.06 257 50620.69 0.143 bps
December 2022 1.54 204 72426.75 0.103 bps
January 2023 1.57 195 71681.44 0.106 bps
February 2023 2.29 317 47018.00 0.177 bps
March 2023 2.25 333 53907.48 0.142 bps
April 2023 1.75 273 68927.36 0.152 bps
May 2023 2.03 285 63051.71 0.147 bps
June 2023 1.74 265 72554.96 0.128 bps
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.

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