| (Volume in Lakh; Value in ₹ Crore) |
| | 2014-15 | 2015-16 | 2016-17 |
| Volume | Value | Volume | Value | Volume | Value |
| 1 RTGS | 927.80 | 92933309 | 983.40 | 103555164 | 1078.50 | 125365207 |
| 1.1 Customer Transactions | 883.90 | 63105074 | 939.50 | 70089982 | 1036.60 | 84995051 |
| 1.2 Interbank Transactions | 43.80 | 12298162 | 43.70 | 12367819 | 41.70 | 13195325 |
| 1.3 Interbank Clearing | 0.10 | 17530073 | 0.20 | 21097363 | 0.20 | 27174831 |
| 2 CCIL Operated Systems | 30.30 | 75200041 | 31.20 | 80737042 | 36.50 | 105617336 |
| 2.1 CBLO | 2.10 | 16764596 | 2.20 | 17833528 | 2.20 | 22952833 |
| 2.2 Govt. Securities Clearing | 10.90 | 25891676 | 10.20 | 26977820 | 15.10 | 40438908 |
| 2.2.1 Outright | 9.80 | 10156162 | 8.80 | 9728541 | 13.40 | 16874146 |
| 2.2.2 Repo | 1.10 | 15735515 | 1.30 | 17249278 | 1.70 | 23564762 |
| 2.3 Forex Clearing | 17.30 | 32543769 | 18.90 | 35925694 | 19.30 | 42225595 |
| 3 Paper Clearing | 11965.00 | 8543414 | 10963.70 | 8186079 | 12066.90 | 8095815 |
| 3.1 Cheque Truncation System (CTS) | 9648.60 | 6676993 | 9583.90 | 6988915 | 11118.60 | 7403522 |
| 3.2 MICR Clearing | 224.30 | 185040 | - | - | - | - |
| 3.2.1 RBI Centres | 75.00 | 61451 | - | - | - | - |
| 3.2.2 Other Centres | 149.30 | 123589 | - | - | - | - |
| 3.3 Non-MICR Clearing | 2092.10 | 1681381 | 1379.80 | 1197164 | 948.30 | 692293 |
| 4 Retail Electronic Clearing | 16874.50 | 6536550 | 31415.30 | 9140814 | 42228.56 | 13232431 |
| 4.1 ECS DR | 2260.10 | 173978 | 2247.50 | 165150 | 87.60 | 3914 |
| 4.2 ECS CR (Includes NECS) | 1153.50 | 201914 | 390.00 | 105944 | 101.00 | 14408 |
| 4.3 EFT/NEFT | 9275.50 | 5980383 | 12528.80 | 8327311 | 16221.00 | 12003968 |
| 4.4 Immediate Payment Service (IMPS) | 783.70 | 58187 | 2208.10 | 162226 | 5067.30 | 411624 |
| 4.5 Unified Payment Interface (UPI) | - | - | - | - | 179.00 | 6900 |
| 4.6 National Automated Clearing House (NACH) | 3401.70 | 122088 | 14040.80 | 380183 | 20572.70 | 791617 |
| 5 Cards | 84239.80 | 2541528 | 100386.70 | 2939766 | 120558.60 | 3021401 |
| 5.1 Credit Cards | 6194.10 | 192263 | 7916.70 | 243703 | 10935.00 | 331221 |
| 5.1.1 Usage at ATMs | 42.90 | 2347 | 60.00 | 3041 | 63.70 | 2839 |
| 5.1.2 Usage at POS | 6151.20 | 189916 | 7856.70 | 240662 | 10871.30 | 328382 |
| 5.2 Debit Cards | 78045.70 | 2349265 | 92470.00 | 2696063 | 109623.60 | 2690180 |
| 5.2.1 Usage at ATMs | 69964.80 | 2227916 | 80733.90 | 2537136 | 85630.60 | 2360273 |
| 5.2.2 Usage at POS | 8080.90 | 121349 | 11736.10 | 158927 | 23993.00 | 329907 |
| 6 Prepaid Payment Instruments (PPIs) | 3144.60 | 21343 | 7480.10 | 48758 | 19636.60 | 83801 |
| 6.1 m-Wallet | 2550.00 | 8184 | 6039.80 | 20584 | 16299.80 | 53242 |
| 6.2 PPI Cards | 589.10 | 10535 | 1434.70 | 25377 | 3331.10 | 27752 |
| 6.3 Paper Vouchers | 5.50 | 2624 | 5.60 | 2797 | 5.60 | 2808 |
| 7 Mobile Banking | 1719.20 | 103530 | 3894.90 | 404091 | 9768.50 | 1310476 |
| 8 Grand Total (1.1+1.2+2+3+4+5+6) | 117181.90 | 168246112 | 151260.40 | 183510260 | 195605.61 | 228241160 |
| (Continued) |
| TABLE 66 : PAYMENT SYSTEM INDICATORS (concld.) |
| (Volume in Lakh; Value in ₹ Crore) |
| Year | 2017-18 | 2018-19 |
| Volume | Value | Volume | Value |
| 1 RTGS | 1244.57 | 146743199 | 1366.34 | 171552061 |
| 1.1 Customer Transactions | 1207.12 | 103669874 | 1333.00 | 118436812 |
| 1.2 Interbank Transactions | 37.21 | 13042603 | 33.07 | 17251375 |
| 1.3 Interbank Clearing | 0.24 | 30030722 | 0.27 | 35863874 |
| 2 CCIL Operated Systems | 34.96 | 107480202 | 36.17 | 116551038 |
| 2.1 CBLO | 2.04 | 28330758 | 1.30 | 18140463 |
| 2.2 Govt. Securities Clearing | 11.18 | 37036378 | 11.11 | 50931587 |
| 2.2.1 Outright | 9.19 | 11399880 | 8.06 | 9355007 |
| 2.2.2 Repo | 1.99 | 25636498 | 2.16 | 27124989 |
| 2.2.3 Tri-party Repo | - | - | 0.89 | 14451590 |
| 2.3 Forex Clearing | 21.75 | 42113066 | 23.76 | 47478988 |
| 3 Paper Clearing | 11706.48 | 8189324 | 11237.61 | 8246065 |
| 3.1 Cheque Truncation System (CTS) | 11380.48 | 7945124 | 11116.69 | 8153592 |
| 3.2 MICR Clearing | - | - | - | - |
| 3.2.1 RBI Centres | - | - | - | - |
| 3.2.2 Other Centres | - | - | - | - |
| 3.3 Non-MICR Clearing | 326.00 | 244200 | 120.92 | 92473 |
| 4 Retail Electronic Clearing | 63824.92 | 19311233 | 124666.55 | 26751513 |
| 4.1 ECS DR | 15.40 | 972 | 9.26 | 1260 |
| 4.2 ECS CR (Includes NECS) | 61.36 | 11500 | 53.57 | 13235 |
| 4.3 EFT/NEFT | 19463.57 | 17222852 | 23188.87 | 22793608 |
| 4.4 Immediate Payment Service (IMPS) | 10097.98 | 892498 | 17529.09 | 1590257 |
| 4.5 Unified Payment Interface (UPI) | 9152.00 | 109800 | 53534.03 | 876969 |
| 4.6 National Automated Clearing House (NACH) | 25034.62 | 1073612 | 30351.71 | 1476184 |
| 5 Cards | 133586.20 | 3821464 | 160462.56 | 4512145 |
| 5.1 Credit Cards | 14129.71 | 462633 | 17723.61 | 607881 |
| 5.1.1 Usage at ATMs | 78.11 | 3668 | 97.71 | 4533 |
| 5.1.2 Usage at POS | 14051.60 | 458965 | 17625.90 | 603348 |
| 5.2 Debit Cards | 119456.49 | 3358831 | 142738.96 | 3904264 |
| 5.2.1 Usage at ATMs | 86022.56 | 2898761 | 98596.15 | 3310789 |
| 5.2.2 Usage at POS | 33433.93 | 460070 | 44142.81 | 593475 |
| 6 Prepaid Payment Instruments (PPIs) | 34590.46 | 141634 | 46043.38 | 212876 |
| 6.1 m-Wallet | 30259.82 | 108675 | 41392.81 | 183655 |
| 6.2 PPI Cards | 4326.26 | 31041 | 4650.03 | 29134 |
| 6.3 Paper Vouchers | 4.38 | 1919 | 0.54 | 87 |
| 7 Mobile Banking | 18722.63 | 1473854 | 62003.19 | 2958407 |
| 8.1 Credit Card | 374.85 | - | 470.90 | - |
| 8.2 Debit Card | 8610.76 | - | 9246.30 | - |
| 8 Grand Total (1.1+1.2+2+3+4+5+6) | 244987.36 | 255656336 | 343812.30 | 291961824 |
| Source: Reserve Bank of India. |