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43. Payment System Indicators
Date : Jun 16, 2021
PART I - Payment System Indicators - Payment & Settlement System Statistics
System Volume (Lakh) Value (₹ Crore)
FY 2020-21 2020 2021 FY 2020-21 2020 2021
Apr. Mar. Apr. Apr. Mar. Apr.
1 2 3 4 5 6 7 8
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems (1.1 to 1.3) 27.97 1.34 2.92 2.36 161943141 9808581 17383479 15138384
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 11.55 0.70 0.91 0.83 110634315 6644724 11182301 9963717
1.1.1 Outright 6.28 0.38 0.42 0.41 10032187 779511 678873 739674
1.1.2 Repo 2.84 0.17 0.26 0.21 43751173 2517435 4362390 3829853
1.1.3 Tri-party Repo 2.43 0.16 0.23 0.20 56850956 3347778 6141037 5394189
1.2 Forex Clearing 16.04 0.63 1.95 1.49 48903961 3030887 5828078 4913256
1.3 Rupee Derivatives @ 0.38 0.01 0.06 0.05 2404865 132970 373100 261411
B. Payment Systems                
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS (1.1 to 1.2) 1591.92 54.35 202.35 151.52 105599849 6443653 12982215 8802868
1.1 Customer Transactions 1573.47 53.35 200.70 150.19 91008367 5612493 11427958 7555042
1.2 Interbank Transactions 18.45 1.00 1.65 1.33 14591482 831161 1554257 1247825
II Retail                
2 Credit Transfers - Retail (2.1 to 2.6) 317851.82 17950.56 37208.47 34506.22 33522150 1687713 4053692 2946342
2.1 AePS (Fund Transfers) @ 11.32 0.69 1.16 0.94 623 29 72 61
2.2 APBS $ 14372.99 2312.36 1128.83 972.73 112747 18996 11086 5383
2.3 IMPS 32783.47 1224.75 3631.44 3229.68 2941500 121141 327236 299542
2.4 NACH Cr $ 16449.51 2657.23 1648.80 1029.55 1232714 89999 164083 101457
2.5 NEFT 30927.89 1759.79 3481.39 2862.71 25130910 1306406 3046329 2046235
2.6 UPI @ 223306.64 9995.74 27316.85 26410.61 4103658 151141 504886 493664
2.6.1 of which USSD @ 10.45 0.70 0.94 0.96 172 11 15 15
3 Debit Transfers and Direct Debits (3.1 to 3.3) 10440.40 691.42 1023.06 1001.32 872399 56029 86351 82983
3.1 BHIM Aadhaar Pay @ 160.84 20.66 12.92 13.88 2580 217 346 377
3.2 NACH Dr $ 9629.61 667.06 904.64 894.08 868906 55805 85851 82467
3.3 NETC (linked to bank account) @ 649.96 3.70 105.50 93.36 913 7 154 139
4 Card Payments (4.1 to 4.2) 57841.30 2822.19 5681.24 4833.00 1293080 44015 139715 115572
4.1 Credit Cards (4.1.1 to 4.1.2) 17641.06 768.53 1887.27 1575.32 630414 20765 72319 59049
4.1.1 PoS based $ 8688.81 283.26 1012.86 782.31 280769 8052 33286 26314
4.1.2 Others $ 8952.25 485.27 874.41 793.00 349645 12713 39033 32735
4.2 Debit Cards (4.2.1 to 4.2.1) 40200.24 2053.66 3793.97 3257.68 662667 23250 67396 56523
4.2.1 PoS based $ 20805.24 676.32 2240.07 1822.82 378044 9005 42816 35861
4.2.2 Others $ 19395.00 1377.34 1553.89 1434.86 284623 14245 24580 20662
5 Prepaid Payment Instruments (5.1 to 5.2) 49392.26 2086.01 5154.57 4762.03 197696 9648 21372 22148
5.1 Wallets 39987.01 1841.26 4182.92 3963.08 152065 8693 14856 14421
5.2 Cards (5.2.1 to 5.2.2) 9405.25 244.75 971.65 798.95 45631 956 6516 7727
5.2.1 PoS based $ 437.31 38.21 42.20 36.85 11639 313 1579 1642
5.2.2 Others $ 8967.94 206.54 929.45 762.11 33992 642 4937 6085
6 Paper-based Instruments (6.1 to 6.2) 6703.70 176.82 806.59 557.79 5627189 163685 722031 553322
6.1 CTS (NPCI Managed) 6702.53 176.57 806.59 557.79 5625941 163487 722031 553322
6.2 Others 1.17 0.25 0.00 0.00 1249 197
Total - Retail Payments (2+3+4+5+6) 442229.48 23727.00 49873.93 45660.36 41512514 1961090 5023161 3720367
Total Payments (1+2+3+4+5+6) 443821.40 23781.35 50076.28 45811.88 147112363 8404743 18005376 12523235
Total Digital Payments (1+2+3+4+5) 437117.70 23604.53 49269.69 45254.09 141485173 8241058 17283345 11969913

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2020-21 2020 2021 FY 2020-21 2020 2021
Apr. Mar. Apr. Apr. Mar. Apr.
1 2 3 4 5 6 7 8
A. Other Payment Channels                
1 Mobile Payments (mobile app based) (1.1 to 1.2) 252364.97 11276.04 32971.49 31282.44 9089832 364031 1246220 982360
1.1 Intra-bank $ 25130.99 1064.77 4852.88 2563.43 1865484 73418 270764 190500
1.2 Inter-bank $ 227233.98 10211.27 28118.60 28719.01 7224348 290613 975456 791860
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 32483.42 1597.63 3390.80 2682.48 41534334 2246209 4976087 3180133
2.1 Intra-bank @ 6886.15 390.07 707.26 567.04 20601554 1204254 2355028 1352169
2.2 Inter-bank @ 25597.27 1207.57 2683.55 2115.44 20932780 1041955 2621059 1827964
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 60905.81 2953.18 6040.02 5256.36 2889826 129098 285268 255527
3.1 Using Credit Cards $ 51.41 3.68 5.92 5.09 2560 159 307 258
3.2 Using Debit Cards $ 60602.23 2938.54 6007.92 5226.23 2878025 128560 283955 254397
3.3 Using Pre-paid Cards $ 252.17 10.97 26.18 25.03 9240 379 1007 871
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 394.60 40.87 22.38 22.06 1532 111 119 133
4.1 Using Debit Cards $ 353.33 35.67 19.49 18.85 1483 105 114 111
4.2 Using Pre-paid Cards $ 41.27 5.21 2.90 3.20 49 5 5 22
5 Cash Withrawal at Micro ATMs @ 9460.43 875.54 763.86 725.35 225420 14462 22276 21701
5.1 AePS @ 9460.43 875.54 763.86 725.35 225420 14462 22276 21701

PART III - Payment Infrastructures (Lakh)
System As on March 2021 2020 2021
Apr. Mar. Apr.
1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 9602.51 8868.07 9602.51 9630.55
1.1 Credit Cards 620.49 573.60 620.49 622.60
1.2 Debit Cards 8982.02 8294.47 8982.02 9007.95
2 Number of PPIs @ (2.1 to 2.2) 21951.37 18342.76 21951.37 22216.97
2.1 Wallets @ 20052.10 17150.44 20052.10 20249.78
2.2 Cards @ 1899.27 1192.32 1899.27 1967.19
3 Number of ATMs (3.1 to 3.2) 2.39 2.34 2.39 2.40
3.1 Bank owned ATMs $ 2.14 2.10 2.14 2.14
3.2 White Label ATMs $ 0.25 0.24 0.25 0.25
4 Number of Micro ATMs @ 4.04 2.76 4.04 4.14
5 Number of PoS Terminals 47.20 43.91 47.20 45.25
6 Bharat QR @ 35.70 20.19 35.70 35.95
7 UPI QR * 925.22 925.22 978.19
@: New inclusion w.e.f. November 2019
$ : 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.
2. ECS (Debit and Credit) has been merged with NACH with effect from January 31, 2020.
3. 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.
4. 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 –
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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