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43. Payment System Indicators
Date : Apr 11, 2019
System   Volume (Million)   Value (₹ Billion)
2017-18 2018 2019 2017-18 2018 2019
Dec. Jan. Feb. Dec. Jan. Feb.
1 2 3 4 5 6 7 8
1 RTGS 124.46 11.32 11.78 11.09 1,467,431.99 145,830.04 156,570.32 146,468.19
1.1 Customer Transactions 120.71 11.05 11.50 10.84 1,036,698.74 101,338.56 106,991.92 94,576.26
1.2 Interbank Transactions 3.72 0.27 0.27 0.25 130,426.03 15,085.17 17,805.11 18,183.59
1.3 Interbank Clearing 0.024 0.002 0.001 0.002 300,307.22 29,406.31 31,773.29 33,708.34
2 CCIL Operated Systems 3.50 0.32 0.31 0.27 1,074,802.02 102,273.20 100,832.13 98,962.53
2.1 CBLO 0.20       283,307.58
2.2 Govt. Securities Clearing 1.12 0.12 0.11 0.10 370,363.78 63,213.83 62,249.17 59,795.85
2.2.1 Outright 0.92 0.09 0.08 0.06 113,998.80 11,377.50 8,773.42 7,912.97
2.2.2 Repo 0.199 0.017 0.018 0.017 256,364.98 21,654.73 21,206.86 21,154.91
2.2.3 Tri-party Repo 0.02 0.02 0.02 30,181.60 32,268.89 30,727.96
2.3 Forex Clearing 2.17 0.20 0.20 0.17 421,130.66 39,059.37 38,582.95 39,166.68
3 Paper Clearing 1,171.31 92.52 94.43 86.99 81,934.93 6,687.42 6,867.63 6,414.49
3.1 Cheque Truncation System (CTS) 1,138.05 91.71 93.60 86.27 79,451.24 6,626.42 6,804.43 6,369.68
3.2 MICR Clearing      
3.2.1 RBI Centres      
3.2.2 Other Centres      
3.3 Non-MICR Clearing 33.27 0.81 0.83 0.72 2,483.68 61.00 63.20 44.81
4 Retail Electronic Clearing 5,467.29 620.10 621.96 633.61 192,017.98 22,268.70 22,415.03 22,026.20
4.1 ECS DR 1.54 0.03 0.03 0.03 9.72 0.16 0.12 0.15
4.2 ECS CR (includes NECS) 6.14 0.50 0.40 0.37 118.64 10.80 9.07 14.40
4.3 EFT/NEFT 1,946.36 194.78 205.13 201.10 172,228.52 19,570.40 19,662.62 19,214.30
4.4 Immediate Payment Service (IMPS) 1,009.80 176.93 171.51 166.37 8,924.98 1,468.99 1,522.97 1,493.43
4.5 National Automated Clearing House (NACH) 2,503.46 247.86 244.89 265.73 10,736.12 1,218.35 1,220.26 1,303.92
5 Cards 13,358.62 1,461.06 1,414.51 1,307.21 38,214.64 4,216.81 3,721.47 3,538.93
5.1 Credit Cards 1,412.97 159.22 160.43 142.13 4,626.33 546.38 553.39 488.59
5.1.1 Usage at ATMs 7.81 0.88 0.86 0.79 36.68 4.03 3.94 3.70
5.1.2 Usage at POS 1,405.16 158.34 159.57 141.34 4,589.65 542.35 549.45 484.89
5.2 Debit Cards 11,945.65 1,301.84 1,254.08 1,165.08 33,588.31 3,670.43 3,168.08 3,050.34
5.2.1 Usage at ATMs 8,602.26 914.31 880.48 817.92 28,987.61 3,139.01 2,661.24 2,594.31
5.2.2 Usage at POS 3,343.39 387.54 373.60 347.17 4,600.70 531.42 506.84 456.04
6 Prepaid Payment Instruments (PPIs) 3,459.05 441.77 443.58 384.85 1,416.34 189.22 187.03 164.97
6.1 m-Wallet 3,025.98 392.99 395.83 345.03 1,086.75 163.68 158.58 142.79
6.2 PPI Cards 432.63 48.77 47.75 39.82 310.41 25.54 28.45 22.18
6.3 Paper Vouchers 0.44 0.00 0.00 0.00 19.19
7 Mobile Banking 1,872.26 661.31 710.67 728.98 14,738.54 2,775.90 2,958.99 2,927.51
8 Cards Outstanding 898.56 1,002.36 976.43 990.61
8.1 Credit Card 37.48 44.21 45.17 46.06
8.2 Debit Card 861.08 958.15 931.26 944.55
9 Number of ATMs (in actuals) 222247 220051 221848 221786
10 Number of POS (in actuals) 3083067 3595912 3657596 3636851
11 Grand Total (1.1+1.2+2+3+4+5+6) 23,584.20 2,627.09 2,586.57 2,424.02 2,555,510.68 252,059.08 258,820.32 243,866.97
Note : Data for latest 12 month period is provisional.
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.
2.1: With effect from November 05, 2018, CCIL has discontinued CBLO.
2.2.3: Tri-party Repo under the Securities segment has been operationalised from November 05, 2018.
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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