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43. Payment System Indicators
Date : Sep 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
Jul. Jun. Jul. Jul. Jun. Jul.
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 2.52 2.90 2.68 161943141 14102229 17144527 16798812
1.1 Govt. Securities Clearing (1.1.1 to 1.1.3) 11.55 1.22 1.01 0.98 110634315 9407660 11317988 11096031
1.1.1 Outright 6.28 0.73 0.51 0.50 10032187 1146554 774292 744621
1.1.2 Repo 2.84 0.29 0.27 0.25 43751173 4098668 4653921 3802644
1.1.3 Tri-party Repo 2.43 0.20 0.23 0.24 56850956 4162438 5889775 6548766
1.2 Forex Clearing 16.04 1.28 1.82 1.64 48903961 4544294 5408999 5290626
1.3 Rupee Derivatives @ 0.38 0.02 0.07 0.07 2404865 150275 417541 412155
B. Payment Systems                
I Financial Market Infrastructures (FMIs)
1 Credit Transfers - RTGS (1.1 to 1.2) 1591.92 124.76 154.14 167.65 105599849 8335279 10196989 10741314
1.1 Customer Transactions 1573.47 123.22 152.92 166.43 91008367 7137945 8887546 9288984
1.2 Interbank Transactions 18.45 1.55 1.22 1.22 14591482 1197334 1309444 1452331
II Retail                
2 Credit Transfers - Retail (2.1 to 2.6) 317851.82 21832.34 36684.40 41367.43 33522150 2587356 3029728 3214817
2.1 AePS (Fund Transfers) @ 11.32 0.86 1.06 1.03 623 45 64 61
2.2 APBS $ 14372.99 1182.38 1148.34 1045.01 112747 8976 8143 7952
2.3 IMPS 32783.47 2220.99 3038.45 3524.64 2941500 225775 284111 311310
2.4 NACH Cr $ 16449.51 1053.54 1498.12 1171.72 1232714 98909 92266 85307
2.5 NEFT 30927.89 2401.03 2923.27 3170.00 25130910 1963113 2097771 2204303
2.6 UPI @ 223306.64 14973.54 28075.16 32455.02 4103658 290538 547373 605883
2.6.1 of which USSD @ 10.45 0.91 1.03 1.08 172 15 16 16
3 Debit Transfers and Direct Debits (3.1 to 3.3) 10440.40 855.71 981.70 986.32 872399 68356 86759 86503
3.1 BHIM Aadhaar Pay @ 160.84 15.96 17.66 17.49 2580 216 417 414
3.2 NACH Dr $ 9629.61 801.08 878.73 877.08 868906 68083 86215 85980
3.3 NETC (linked to bank account) @ 649.96 38.67 85.31 91.75 913 56 128 109
4 Card Payments (4.1 to 4.2) 57786.60 4481.59 4493.75 5225.86 1291799 95883 113790 135972
4.1 Credit Cards (4.1.1 to 4.1.2) 17641.06 1319.66 1547.01 1820.49 630414 45558 62746 74885
4.1.1 PoS based $ 8688.81 601.63 690.40 900.27 280769 20107 23977 30498
4.1.2 Others $ 8952.25 718.03 856.61 920.21 349645 25451 38769 44387
4.2 Debit Cards (4.2.1 to 4.2.1 ) 40145.54 3161.93 2946.74 3405.37 661385 50325 51044 61087
4.2.1 PoS based $ 20773.50 1461.94 1505.09 1901.64 377630 25821 28743 36764
4.2.2 Others $ 19372.04 1699.99 1441.65 1503.73 283755 24504 22300 24324
5 Prepaid Payment Instruments (5.1 to 5.2) 49392.29 3987.42 4586.00 4959.07 197696 15521 18780 20806
5.1 Wallets 39987.01 3205.59 3911.95 4079.19 152065 12892 16088 17053
5.2 Cards (5.2.1 to 5.2.2) 9405.28 781.83 674.05 879.89 45631 2629 2692 3753
5.2.1 PoS based $ 437.33 24.49 44.69 63.24 11639 628 552 683
5.2.2 Others $ 8967.95 757.34 629.36 816.64 33992 2002 2140 3070
6 Paper-based Instruments (6.1 to 6.2) 6703.70 532.38 511.38 596.11 5627189 434072 477430 553256
6.1 CTS (NPCI Managed) 6702.53 532.24 511.38 596.11 5625941 433799 477430 553256
6.2 Others 1.17 0.14 1249 272
Total - Retail Payments (2+3+4+5+6) 442174.81 31689.45 47257.22 53134.79 41511233 3201188 3726486 4011354
Total Payments (1+2+3+4+5+6) 443766.73 31814.21 47411.36 53302.44 147111082 11536467 13923476 14752668
Total Digital Payments (1+2+3+4+5) 437063.03 31281.83 46899.98 52706.33 141483892 11102395 13446046 14199411

PART II - Payment Modes and Channels
System Volume (Lakh) Value (₹ Crore)
FY 2020-21 2020 2021 FY 2020-21 2020 2021
Jul. Jun. Jul. Jul. Jun. Jul.
1 2 3 4 5 6 7 8
A. Other Payment Channels                
1 Mobile Payments (mobile app based) (1.1 to 1.2) 255451.57 17281.26 32127.11 37458.94 9179707 637489 1033735 1149340
1.1 Intra-bank $ 25166.33 1574.10 2829.58 3134.21 1869837 130568 196264 210636
1.2 Inter-bank $ 230231.22 15707.16 29297.53 34324.73 7308472 506921 837471 938704
2 Internet Payments (Netbanking / Internet Browser Based) @ (2.1 to 2.2) 32493.63 2673.76 2703.44 3048.81 41581497 3251167 3468711 3710473
2.1 Intra-bank @ 6886.15 582.31 545.84 606.23 20601554 1595612 1501184 1625684
2.2 Inter-bank @ 25607.48 2091.45 2157.60 2442.58 20979943 1655556 1967527 2084788
B. ATMs                
3 Cash Withdrawal at ATMs $ (3.1 to 3.3) 60905.81 4687.45 4761.61 5378.72 2889826 232074 229633 254880
3.1 Using Credit Cards $ 51.41 3.29 4.31 4.74 2560 167 219 235
3.2 Using Debit Cards $ 60602.23 4664.96 4735.38 5348.70 2878025 231210 228681 253780
3.3 Using Pre-paid Cards $ 252.17 19.20 21.91 25.28 9240 697 734 865
4 Cash Withdrawal at PoS $ (4.1 to 4.2) 394.77 33.57 7.87 7.45 1533 136 59 62
4.1 Using Debit Cards $ 353.50 30.67 7.03 6.15 1484 132 44 43
4.2 Using Pre-paid Cards $ 41.27 2.90 0.84 1.30 49 3 15 19
5 Cash Withrawal at Micro ATMs @ 9460.43 743.41 856.89 869.89 225420 17469 24187 22973
5.1 AePS @ 9460.43 743.41 856.89 869.89 225420 17469 24187 22973

PART III - Payment Infrastructures (Lakh)
System As on March 2021 2020 2021
Jul. Jun. Jul.
  1 2 3 4
Payment System Infrastructures        
1 Number of Cards (1.1 to 1.2) 9602.51 9099.87 9688.24 9694.51
1.1 Credit Cards 620.49 576.32 628.15 634.14
1.2 Debit Cards 8982.02 8523.55 9060.08 9060.36
2 Number of PPIs @ (2.1 to 2.2) 21952.60 19272.63 22947.96 23388.31
2.1 Wallets @ 20052.10 17749.31 20864.68 21244.36
2.2 Cards @ 1900.51 1523.32 2083.28 2143.95
3 Number of ATMs (3.1 to 3.2) 2.39 2.34 2.40 2.40
3.1 Bank owned ATMs $ 2.14 2.10 2.14 2.13
3.2 White Label ATMs $ 0.25 0.24 0.26 0.27
4 Number of Micro ATMs @ 4.04 3.06 4.54 4.75
5 Number of PoS Terminals 47.20 43.57 45.93 46.08
6 Bharat QR @ 35.70 22.37 49.33 51.23
7 UPI QR * 925.22 1018.26 1070.08
@: 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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