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43. Payment System Indicators
Date : Sep 12, 2019
System Volume (Lakh) Value (₹ Crore)
2018-19 2019 2018-19 2019
May Jun. Jul. May Jun. Jul.
1 2 3 4 5 6 7 8
1 RTGS 1366.30 124.91 118.26 127.45 171552061 15837963 15299131 16004194
1.1 Customer Transactions 1332.96 122.24 115.99 125.07 118436812 10488616 10177608 10886126
1.2 Interbank Transactions 33.07 2.64 2.24 2.35 17251375 1908766 1824135 1690930
1.3 Interbank Clearing 0.267 0.027 0.024 0.027 35863874 3440581 3297389 3427138
2 CCIL Operated Systems 36.17 3.15 3.10 3.62 116551038 10898782 10918363 11683806
2.1 CBLO 1.30 _ _ _ 18140463 _ _ _
2.2 Govt. Securities Clearing 11.11 1.27 1.48 1.78 50931587 6443830 6828452 7518962
2.2.1 Outright 8.06 0.86 1.11 1.36 9355007 1032918 1507446 1766292
2.2.2 Repo 2.162 0.225 0.205 0.229 27124989 2416631 2441204 2562517
2.2.3 Tri-party Repo 0.89 0.19 0.17 0.19 14451590 2994282 2879802 3190152
2.3 Forex Clearing 23.76 1.88 1.62 1.84 47478988 4454952 4089910 4164844
3 Paper Clearing 11237.61 921.11 839.64 937.63 8246065 717078 635798 687403
3.1 Cheque Truncation System (CTS) 11116.69 917.67 836.46 934.80 8153592 713688 633018 685224
3.2 MICR Clearing _ _ _ _ _ _ _
3.2.1 RBI Centres _ _ _ _ _ _ _
3.2.2 Other Centres _ _ _ _ _ _ _
3.3 Non-MICR Clearing 120.92 3.44 3.18 2.83 92473 3391 2781 2179
4 Retail Electronic Clearing 71132.50 6838.14 6436.48 6887.21 25874543 2483416 2058081 2114124
4.1 ECS DR 9.25 0.33 0.27 0.22 1258 9 9 4
4.2 ECS CR (includes NECS) 53.57 2.94 3.30 2.82 13235 777 924 968
4.3 EFT/NEFT 23188.87 2176.80 1991.40 2194.19 22793608 2127774 1749645 1784264
4.4 Immediate Payment Service (IMPS) 17529.09 1833.25 1713.25 1892.76 1590257 180456 173019 182021
4.5 National Automated Clearing House (NACH) 30351.71 2824.82 2728.27 2797.21 1476184 174400 134484 146867
5 Cards 160462.56 13973.43 13719.06 14160.95 4512210 414019 397762 400256
5.1 Credit Cards 17723.61 1740.43 1640.46 1792.73 607946 61700 57317 60020
5.1.1 Usage at ATMs 97.71 8.90 8.12 8.66 4533 417 388 409
5.1.2 Usage at POS 17625.90 1731.53 1632.33 1784.07 603413 61282 56928 59611
5.2 Debit Cards 142738.96 12233.00 12078.60 12368.21 3904264 352319 340445 340236
5.2.1 Usage at ATMs 98596.15 8157.10 8004.84 8160.01 3310789 294667 283403 282135
5.2.2 Usage at POS 44142.81 4075.90 4073.76 4208.20 593475 57652 57042 58101
6 Prepaid Payment Instruments (PPIs) 46043.38 4189.98 3898.19 4075.89 212876 18297 17764 18437
6.1 m-Wallet 41392.81 3674.55 3347.01 3471.32 183655 15727 15471 15949
6.2 PPI Cards 4650.03 515.43 551.17 604.57 29134 2570 2293 2488
6.3 Paper Vouchers 0.54 0.00 0.00 0.00 87
7 Mobile Banking 62003.19 8417.38 8486.06 9111.82 2958407 485008 497543 563140
8 Cards Outstanding 9717.19 8738.54 8865.40 8908.65 _ _ _ _
8.1 Credit Card 470.89 489.21 496.48 502.49 _ _ _ _
8.2 Debit Card 9246.30 8249.34 8368.92 8406.16 _ _ _ _
9 Number of ATMs (in actuals) 221703 227227 226839 227629 _ _ _ _
10 Number of POS (in actuals) 3722229 3840490 4068954 4252804 _ _ _ _
11 Grand Total (1.1+1.2+2+3+4+5+6) 290278.25 26050.69 25470.10 26192.72 291084919 26928975 26029510 27481083
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 multilateral 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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