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43. Payment System Indicators
Date : Oct 12, 2020
PART I - Payment System Indicators - Payment & Settlement System Statistics
System Volume (Lakh) Value (₹ Crore)
FY 2019-20 2019 2020 FY 2019-20 2019 2020
Aug. Jul. Aug. Aug. Jul. Aug.
1 2 3 4 5 6 7 8
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems (1.1 to 1.3) – – 2.52 2.28 – – 14102229 12576300
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) – – 1.22 0.96 – – 9407660 8614891
1.1.1 Outright – – 0.73 0.52 – – 1146554 867395
1.1.2 Repo – – 0.29 0.27 – – 4098668 3793333
1.1.3 Tri-party Repo – – 0.20 0.18 – – 4162438 3954162
1.2 Forex Clearing – – 1.28 1.28 – – 4544294 3749569
1.3 Rupee Derivatives @ – – 0.02 0.03 – – 150275 211840
B. Payment Systems                
I Financial Market Infrastructures (FMIs) – – – – – – – –
1 Credit Transfers - RTGS (1.1 to 1.2) – – 124.76 116.77 – – 8335279 7292380
1.1 Customer Transactions – – 123.22 115.29 – – 7137945 6382552
1.2 Interbank Transactions – – 1.55 1.49 – – 1197334 909828
II Retail                
2 Credit Transfers - Retail (2.1 to 2.7) – – 21832.34 23968.09 – – 2587356 2556825
2.1 AePS (Fund Transfers) @ – – 0.86 0.89 – – 45 46
2.2 APBS $ – – 1182.38 1196.39 – – 8976 8313
2.3 ECS Cr – – 0.00 0.00 – – – –
2.4 IMPS – – 2220.99 2461.25 – – 225775 235137
2.5 NACH Cr $ – – 1053.54 1775.18 – – 98909 84468
2.6 NEFT – – 2401.03 2346.09 – – 1963113 1930552
2.7 UPI @ – – 14973.54 16188.28 – – 290538 298308
2.7.1 of which USSD @ – – 0.91 0.92 – – 15 15
3 Debit Transfers and Direct Debits (3.1 to 3.4) – – 855.71 857.28 – – 68356 67146
3.1 BHIM Aadhaar Pay @ – – 15.96 19.50 – – 216 253
3.2 ECS Dr – – 0.00 0.00 – – – –
3.3 NACH Dr $ – – 801.08 791.81 – – 68083 66830
3.4 NETC (linked to bank account) @ – – 38.67 45.96 – – 56 63
4 Card Payments (4.1 to 4.2) – – 4578.31 4914.48 – – 112039 122089
4.1 Credit Cards (4.1.1 to 4.1.2) – – 1319.66 1425.11 – – 45558 50311
4.1.1 PoS based $ – – 601.63 659.47 – – 20107 21001
4.1.2 Others $ – – 718.03 765.64 – – 25451 29310
4.2 Debit Cards (4.2.1 to 4.2.1 ) – – 3258.65 3489.38 – – 66481 71778
4.2.1 PoS based $ – – 1461.94 1647.47 – – 25821 29525
4.2.2 Others $ – – 1796.71 1841.91 – – 40660 42253
5 Prepaid Payment Instruments (5.1 to 5.2) – – 3987.42 4932.61 – – 15521 16808
5.1 Wallets – – 3205.59 3967.82 – – 12892 13000
5.2 Cards (5.2.1 to 5.2.2) – – 781.83 964.79 – – 2629 3808
5.2.1 PoS based $ – – 24.49 29.20 – – 628 737
5.2.2 Others $ – – 757.34 935.59 – – 2002 3072
6 Paper-based Instruments (6.1 to 6.2) – – 532.38 519.83 – – 434072 425462
6.1 CTS (NPCI Managed) – – 532.24 519.72 – – 433799 425252
6.2 Others – – 0.14 0.11 – – 272 210
Total - Retail Payments (2+3+4+5+6) – – 31786.17 35192.30 – – 3217344 3188330
Total Payments (1+2+3+4+5+6) – – 31910.93 35309.07 – – 11552623 10480709
Total Digital Payments (1+2+3+4+5) – – 31378.55 34789.24 – – 11118551 10055248

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2019-20 2019 2020 FY 2019-20 2019 2020
Aug. Jul. Aug. Aug. Jul. Aug.
1 2 3 4 5 6 7 8
A. Other Payment Channels                
1 Mobile Payments (mobile app based) (1.1 to 1.2) – – 17281.26 19521.47 – – 637489 667279
1.1 Intra-bank $ – – 1574.10 1682.30 – – 130568 138564
1.2 Inter-bank $ – – 15707.16 17839.17 – – 506921 528715
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) – – 2673.76 2651.34 – – 3251167 3006656
2.1 Intra-bank @ – – 582.31 557.18 – – 1595612 1494618
2.2 Inter-bank @ – – 2091.45 2094.17 – – 1655556 1512038
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) – – 4708.63 4884.50 – – 234119 238675
3.1 Using Credit Cards $ – – 3.29 3.66 – – 167 184
3.2 Using Debit Cards $ – – 4686.13 4860.29 – – 233256 237778
3.3 Using Pre-paid Cards $ – – 19.20 20.55 – – 697 713
4 Cash Withdrawal at PoS $ (4.1 to 4.2) – – 33.57 32.48 – – 136 134
4.1 Using Debit Cards $ – – 30.67 27.89 – – 132 129
4.2 Using Pre-paid Cards $ – – 2.90 4.60 – – 3 5
5 Cash Withrawal at Micro ATMs @ – – 743.41 814.30 – – 17469 19513
5.1 AePS @ – – 743.41 814.30 – – 17469 19513

PART III - Payment Infrastructures (Lakh)
System FY 2019-20 2019 2020
Aug. Jul. Aug.
1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) – – 9099.87 9165.41
1.1 Credit Cards – – 576.32 578.31
1.2 Debit Cards – – 8523.55 8587.10
2 Number of PPIs @ (2.1 to 2.2) – – 19272.63 20134.06
2.1 Wallets @ – – 17749.31 18482.49
2.2 Cards @ – – 1523.32 1651.58
3 Number of ATMs (3.1 to 3.2) – – 2.34 2.33
3.1 Bank owned ATMs $ – – 2.10 2.09
3.2 White Label ATMs $ – – 0.24 0.24
4 Number of Micro ATMs @ – – 3.06 3.07
5 Number of PoS Terminals – – 50.80 51.07
6 Bharat QR @ – – 22.37 22.99

@: New inclusion w.e.f. November 2019
$ : Inclusion separately initiated from November 2019 - would have been part of other items hitherto.
Note : 1. Data is provisional.
2. The data for November 2019 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.
3. Only domestic financial transactions are considered. The new format captures e-commerce transactions; transactions using FASTags; digtal bill payments and card-to-card transfer through ATMs, etc.. Also, failed transactions, chargebacks, reversals, expired cards/ wallets, are excluded.
Part I-A. Settlement systems
1.1.3: Tri- party Repo under the securities segment has been operationalised from November 05, 2018.
Part I-B. Payments systems
4.1.2: ‘Others’ includes e-commerce transactions and digital bill payments through ATMs, etc.
4.2.2: ‘Others’ includes e-commerce transactions, card to card transfers and digital bill payments through ATMs, etc.
5: Available from December 2010.
5.1: includes purchase of goods and services and fund transfer through wallets.
5.2.2: includes usage of PPI Cards for online transactions and other transactions.
6.1: Pertain to three grids – Mumbai, New Delhi and Chennai.
6.2: ‘Others’ comprises of Non-MICR transactions which pertains to clearing houses managed by 21 banks.
Part II-A. Other payment channels
1: Mobile Payments –
o Include transactions done through mobile apps of banks and UPI apps.
o 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: Internet Payments – includes only e-commerce transactions through ‘netbanking’ and any financial transaction using internet banking website of the bank.
Part II-B. ATMs
3.3 and 4.2: only relates to transactions using bank issued PPIs.
Part III. Payment systems infrastructure
3: Includes ATMs deployed by Scheduled Commercial Banks (SCBs) and White Label ATM Operators (WLAOs). WLAs are included from April 2014 onwards.


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