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43. Payment System Indicators
Date : Aug 19, 2024
PART I - Payment System Indicators - Payment & Settlement System Statistics
System Volume (Lakh) Value (₹ Crore)
FY 2023-24 2023 2024 FY 2023-24 2023 2024
Jun. May. Jun. Jun. May. Jun.
1 2 3 4 5 6 7 8
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems (1.1 to 1.3) 43.04 3.81 4.07 4.36 259206893 22638088 22018913 22580094
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 16.80 1.54 1.60 1.60 170464587 15259736 14632648 15107943
1.1.1 Outright 9.51 0.88 0.98 0.97 13463848 1299039 1363203 1372786
1.1.2 Repo 4.94 0.45 0.43 0.42 76718788 7312076 6669493 6414226
1.1.3 Tri-party Repo 2.35 0.21 0.19 0.21 80281951 6648621 6599952 7320931
1.2 Forex Clearing 24.92 2.17 2.37 2.67 80984671 6854522 6780829 6953169
1.3 Rupee Derivatives @ 1.31 0.10 0.10 0.09 7757636 523830 605436 518982
B. Payment Systems                
I Financial Market Infrastructures (FMIs) - - - - - - - -
1 Credit Transfers - RTGS (1.1 to 1.2) 2700.16 212.30 249.71 231.84 170886670 14336617 15186947 16037694
1.1 Customer Transactions 2686.04 211.10 248.49 230.72 152406168 12739932 13559606 14570686
1.2 Interbank Transactions 14.12 1.20 1.22 1.12 18480503 1596685 1627340 1467008
II Retail                
2 Credit Transfers - Retail (2.1 to 2.6) 1486106.89 106299.38 156773.59 155567.02 67542859 5151213 6279019 6073917
2.1 AePS (Fund Transfers) @ 3.92 0.30 0.31 0.30 261 20 18 16
2.2 APBS $ 25888.17 1875.41 2295.50 2929.34 390743 25772 37499 43676
2.3 IMPS 60053.35 4681.02 5576.99 5167.51 6495652 500482 606167 577794
2.4 NACH Cr $ 16227.27 1294.91 1074.61 1311.11 1525104 109983 132404 113888
2.5 NEFT 72639.50 5097.12 7467.75 7307.34 39136014 3039491 3457995 3331461
2.6 UPI @ 1311294.68 93350.61 140358.43 138851.42 19995086 1475464 2044937 2007081
2.6.1 of which USSD @ 26.19 2.18 1.62 1.41 352 30 17 15
3 Debit Transfers and Direct Debits (3.1 to 3.3) 18249.53 1453.92 1698.67 1697.73 1687658 129549 167035 171469
3.1 BHIM Aadhaar Pay @ 193.59 14.83 19.33 21.07 6112 487 506 581
3.2 NACH Dr $ 16426.49 1296.38 1539.23 1544.59 1678769 128819 166305 170756
3.3 NETC (linked to bank account) @ 1629.45 142.71 140.11 132.07 2777 243 225 132
4 Card Payments (4.1 to 4.2) 58469.79 4731.29 5105.17 5003.43 2423563 188284 208520 200081
4.1 Credit Cards (4.1.1 to 4.1.2) 35610.15 2629.05 3601.36 3579.49 1831134 137234 164955 158822
4.1.1 PoS based $ 18614.08 1378.71 1906.58 1895.40 651911 48854 63831 59417
4.1.2 Others $ 16996.08 1250.34 1694.78 1684.10 1179223 88380 101124 99405
4.2 Debit Cards (4.2.1 to 4.2.1) 22859.64 2102.24 1503.82 1423.94 592429 51049 43565 41259
4.2.1 PoS based $ 16477.95 1499.66 1114.38 1063.60 393589 33778 29772 27630
4.2.2 Others $ 6381.69 602.58 389.44 360.33 198840 17271 13793 13629
5 Prepaid Payment Instruments (5.1 to 5.2) 78775.40 6569.82 5496.00 5236.08 283048 23509 16697 15897
5.1 Wallets 63256.69 5303.68 4204.49 4038.05 234353 19762 11566 11298
5.2 Cards (5.2.1 to 5.2.2) 15518.71 1266.13 1291.51 1198.03 48695 3747 5131 4599
5.2.1 PoS based $ 8429.87 681.07 689.94 650.89 11247 1017 1027 946
5.2.2 Others $ 7088.84 585.06 601.57 547.14 37447 2730 4104 3653
6 Paper-based Instruments (6.1 to 6.2) 6632.10 539.36 524.39 484.42 7212333 578306 611518 553834
6.1 CTS (NPCI Managed) 6632.10 539.36 524.39 484.42 7212333 578306 611518 553834
6.2 Others 0.00
Total - Retail Payments (2+3+4+5+6) 1648233.71 119593.76 169597.82 167988.69 79149461 6070861 7282789 7015198
Total Payments (1+2+3+4+5+6) 1650933.88 119806.06 169847.53 168220.52 250036131 20407478 22469736 23052892
Total Digital Payments (1+2+3+4+5) 1644301.78 119266.70 169323.14 167736.10 242823799 19829172 21858218 22499058

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2023-24 2023 2024 FY 2023-24 2023 2024
Jun. May. Jun. Jun. May. Jun.
1 2 3 4 5 6 7 8
A. Other Payment Channels                
1 Mobile Payments (mobile app based) (1.1 to 1.2) 1252599.21 88097.74 134522.56 133652.25 30687088 2243152 3126322 3046393
1.1 Intra-bank $ 83000.56 6145.85 9224.51 8682.06 5676805 416271 585196 559035
1.2 Inter-bank $ 1169598.65 81951.89 125298.05 124970.19 25010283 1826881 2541125 2487357
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 45034.98 3566.29 3771.12 3714.13 102117736 8354717 8705212 9501615
2.1 Intra-bank @ 12033.28 929.63 1010.25 1026.53 53247042 4456179 4276566 4875740
2.2 Inter-bank @ 33001.71 2636.66 2760.86 2687.59 48870694 3898539 4428645 4625875
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 66440.72 5577.45 5166.41 5076.57 3259388 274070 260240 255229
3.1 Using Credit Cards $ 95.80 7.43 8.63 8.29 4648 352 441 426
3.2 Using Debit Cards $ 66001.01 5540.43 5133.52 5045.81 3241538 272643 258785 253844
3.3 Using Pre-paid Cards $ 343.90 29.58 24.26 22.47 13202 1074 1014 959
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 15.18 2.29 0.33 0.28 148 23 3 3
4.1 Using Debit Cards $ 15.06 2.29 0.31 0.27 147 23 3 3
4.2 Using Pre-paid Cards $ 0.12 0.01 0.02 0.02 1 0 0 0
5 Cash Withrawal at Micro ATMs @ 11754.95 943.77 879.79 973.79 314003 25991 22804 24426
5.1 AePS @ 11754.95 943.77 879.79 973.79 314003 25991 22804 24426

PART III - Payment Infrastructures (Lakh)
System As on March 2024 2023 2024
Jun. May. Jun.
1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 10667.22 10645.15 10780.74 10835.23
1.1 Credit Cards 1018.03 886.82 1033.00 1038.13
1.2 Debit Cards 9649.19 9758.33 9747.74 9797.10
2 Number of PPIs @ (2.1 to 2.2) 16743.63 16709.14 14840.92 15051.30
2.1 Wallets @ 13381.80 13409.30 11302.14 11375.61
2.2 Cards @ 3361.82 3299.84 3538.78 3675.69
3 Number of ATMs (3.1 to 3.2) 2.58 2.59 2.57 2.56
3.1 Bank owned ATMs $ 2.23 2.23 2.22 2.21
3.2 White Label ATMs $ 0.35 0.36 0.36 0.35
4 Number of Micro ATMs @ 17.55 14.96 15.62 15.18
5 Number of PoS Terminals 89.03 80.94 88.04 89.67
6 Bharat QR @ 62.50 56.88 61.21 61.64
7 UPI QR * 3462.03 2720.15 3299.47 3401.24
@: New inclusion w.e.f. November 2019
#: Data reported by Co-operative Banks, LABs and RRBs included with effect from December 2021.
$: Inclusion separately initiated from November 2019 - would have been part of other items hitherto.
*: New inclusion w.e.f. September 2020; Includes only static UPI QR Code
Note: 1. Data is provisional.
1. ECS (Debit and Credit) has been merged with NACH with effect from January 31, 2020.
2. 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.
3. 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.
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 –
• Include transactions done through mobile apps of banks and UPI apps.
• 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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