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43. Payment System Indicators
Date : May 10, 2018
System Volume (Million) Value (₹ Billion)
2017-18 2018 2017-18 2018
Jan. Feb. Mar. Jan. Feb. Mar.
1 2 3 4 5 6 7 8
1 RTGS 124.46 11.16 10.63 12.69 1,467,431.99 133,665.22 114,123.57 158,779.65
1.1 Customer Transactions 120.71 10.85 10.34 12.36 1,036,698.74 95,866.37 82,134.80 112,498.68
1.2 Interbank Transactions 3.72 0.31 0.29 0.32 130,426.03 11,622.03 9,630.83 13,841.62
1.3 Interbank Clearing 0.024 0.002 0.002 0.002 300,307.22 26,176.82 22,357.94 32,439.35
2 CCIL Operated Systems 3.50 0.35 0.28 0.27 1,074,802.02 101,560.41 85,016.52 86,985.00
2.1 CBLO 0.20 0.02 0.02 0.02 283,307.58 29,883.06 23,264.19 22,614.48
2.2 Govt. Securities Clearing 1.12 0.10 0.07 0.08 370,363.78 32,265.24 27,459.78 25,131.15
2.2.1 Outright 0.92 0.08 0.06 0.06 113,998.80 8,696.66 6,273.99 6,716.21
2.2.2 Repo 0.199 0.018 0.016 0.015 256,364.98 23,568.57 21,185.79 18,414.94
2.3 Forex Clearing 2.17 0.23 0.19 0.18 421,130.66 39,412.12 34,292.56 39,239.37
3 Paper Clearing 1,170.68 98.99 93.35 105.29 81,893.29 6,994.65 6,553.58 7,811.97
3.1 Cheque Truncation System (CTS) 1,138.05 96.71 91.82 103.62 79,451.24 6,792.60 6,453.56 7,682.16
3.2 MICR Clearing - - -
3.2.1 RBI Centres - - -
3.2.2 Other Centres - - -
3.3 Non-MICR Clearing 32.63 2.28 1.53 1.67 2,442.05 202.05 100.02 129.81
4 Retail Electronic Clearing 5,467.29 489.35 475.51 539.85 192,014.14 17,086.24 16,677.06 24,900.47
4.1 ECS DR 1.54 0.12 0.09 0.07 9.72 0.79 0.40 0.27
4.2 ECS CR (includes NECS) 6.13 0.50 0.49 0.30 114.81 8.68 8.10 7.69
4.3 EFT/NEFT 1,946.36 170.21 165.59 212.01 172,228.52 15,374.07 14,843.90 22,540.77
4.4 Immediate Payment Service (IMPS) 1,009.80 99.56 99.25 110.15 8,924.98 882.14 882.70 1,038.04
4.5 National Automated Clearing House (NACH) 2,503.46 218.96 210.10 217.31 10,736.12 820.57 941.95 1,313.70
5 Cards 13,358.62 1,173.66 1,115.73 1,221.92 38,214.64 3,379.02 3,225.05 3,528.84
5.1 Credit Cards 1,412.97 130.73 115.44 128.08 4,626.33 417.78 379.81 446.77
5.1.1 Usage at ATMs 7.81 0.75 0.69 0.79 36.68 3.41 3.22 3.69
5.1.2 Usage at POS 1,405.16 129.98 114.75 127.29 4,589.65 414.37 376.60 443.08
5.2 Debit Cards 11,945.65 1,042.94 1,000.28 1,093.84 33,588.31 2,961.24 2,845.24 3,082.07
5.2.1 Usage at ATMs 8,602.26 741.56 718.28 774.94 28,987.61 2,550.22 2,474.87 2,663.50
5.2.2 Usage at POS 3,343.39 301.37 282.01 318.90 4,600.70 411.03 370.37 418.57
6 Prepaid Payment Instruments (PPIs) 3,459.05 361.20 345.37 293.66 1,416.34 147.71 149.59 118.82
6.1 m-Wallet 3,025.98 326.30 310.01 268.79 1,086.75 125.63 131.04 100.97
6.2 PPI Cards 432.63 34.87 35.32 24.84 310.41 20.76 17.65 17.29
6.3 Paper Vouchers 0.44 0.03 0.03 0.03 19.19 1.32 0.90 0.55
7 Mobile Banking 1,870.02 215.01 223.25 237.67 14,722.19 1,124.21 1,146.71 1,378.44
8 Cards Outstanding 898.56 882.94 892.38 898.56
8.1 Credit Card 37.48 36.24 36.94 37.48
8.2 Debit Card 861.08 846.70 855.45 861.08
9 Number of ATMs (in actuals) 222247 221620 221687 222247
10 Number of POS (in actuals) 3137204 3061817 3079487 3137204
11 Grand Total (1.1+1.2+2+3+4+5+6) 23,583.56 2,134.71 2,040.86 2,173.68 2,555,465.21 236,656.45 203,387.44 249,685.40
Note : Data for latest 12 month period is provisional.
1.3: Pertain to multiateral net settlement batches.
3.1: Pertain to three centres – Mumbai, New Delhi and Chennai.
3.3: Pertain to clearing houses managed by 21 banks.
6: Available from December 2010.
7: Include IMPS transactions.
9: Includes ATMs deployed by Scheduled Commercial banks and White Label ATMs (WLA). WLA are included from April 2014 onwards.
Mobile Banking - The data from July 2017 includes only individual payments and corporate payments initiated, processed, and authorised using mobile device. Other corporate payments which are not initiated, processed, and authorised using mobile device are excluded.

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