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Payment System Indicators

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Payment System Indicators - November 2024
Payment System Indicators
PART I - Payment System Indicators - Payment & Settlement System Statistics
  Volume (lakh) Value (₹ crore)
FY 2023-24 2023 November 2024 2024 FY 2023-24 2023 November 2024 2024
October November October November
1 2 3 4 1 2 3 4
A. Settlement Systems                
Financial Market Infrastructures (FMIs)                
1 CCIL Operated Systems 43.04 3.08 3.59 2.61 259206893 21011085 25730864 20592498
1.1 Govt. Securities Clearing 16.80 1.24 1.69 1.10 170464587 13568124 16664120 13954925
1.1.1 Outright 9.51 0.64 1.04 0.54 13463848 939382 1626397 847485
1.1.2 Repo 4.94 0.41 0.41 0.35 76718788 5919154 6573748 5366007
1.1.3 Tri-party Repo 2.35 0.19 0.23 0.20 80281951 6709589 8463975 7741434
1.2 Forex Clearing 24.92 1.74 1.74 1.40 80984671 6922315 8046345 5972544
1.3 Rupee Derivatives @ 1.31 0.10 0.16 0.11 7757636 520645 1020399 665029
B. Payment Systems                
I Financial Market Infrastructures (FMIs)                
1 Credit Transfers - RTGS 2700.16 219.20 267.92 240.29 170886670 13591443 17070975 14826882
1.1 Customer Transactions 2686.04 218.05 266.69 239.16 152406168 12078797 15418778 13504833
1.2 Interbank Transactions 14.12 1.15 1.23 1.12 18480503 1512645 1652197 1322050
II Retail                
2 Credit Transfers - Retail 1486106.89 128072.73 185187.17 170358.50 67542859 5673303 7358283 6274182
2.1 AePS (Fund Transfers) @ 3.92 0.30 0.31 0.30 261 19 17 14
2.2 APBS $ 25888.17 3221.01 4021.91 2250.97 390743 47635 69157 32384
2.3 IMPS 60053.35 4723.84 4668.23 4079.18 6495652 535002 629382 558328
2.4 NACH Cr $ 16227.27 1380.65 1463.68 1438.33 1525104 142415 157479 147385
2.5 NEFT 72639.50 6394.01 9183.38 7769.51 39136014 3208491 4152428 3380884
2.6 UPI @ 1311294.68 112352.92 165849.66 154820.21 19995086 1739741 2349821 2155187
2.6.1 of which USSD @ 26.19 2.69 1.64 1.56 352 37 18 16
3 Debit Transfers and Direct Debits 18249.53 1527.84 1871.73 1894.74 1687658 142456 189818 185643
3.1 BHIM Aadhaar Pay @ 193.59 18.82 24.54 19.29 6112 590 773 629
3.2 NACH Dr $ 16426.49 1376.66 1710.21 1732.94 1678769 141646 188844 184814
3.3 NETC (linked to bank account) @ 1629.45 132.36 136.98 142.51 2777 220 202 200
4 Card Payments 58469.79 4742.56 5762.99 5171.02 2423563 210038 248709 208387
4.1 Credit Cards 35610.15 2970.90 4332.14 3936.04 1831134 160644 201789 169298
4.1.1 PoS based $ 18614.08 1583.66 2196.73 2036.02 651911 59015 79293 68233
4.1.2 Others $ 16996.08 1387.24 2135.41 1900.02 1179223 101629 122496 101065
4.2 Debit Cards 22859.64 1771.66 1430.85 1234.98 592429 49394 46920 39089
4.2.1 PoS based $ 16477.95 1301.95 1063.85 919.33 393589 34379 32182 26756
4.2.2 Others $ 6381.69 469.71 367.00 315.65 198840 15015 14738 12333
5 Prepaid Payment Instruments 78775.40 6510.09 5977.88 5847.81 283048 24248 20419 19214
5.1 Wallets 63256.69 5308.63 4425.20 4462.09 234353 19853 13074 13130
5.2 Cards 15518.71 1201.46 1552.68 1385.72 48695 4394 7345 6083
5.2.1 PoS based $ 8429.87 662.14 718.88 663.27 11247 891 981 915
5.2.2 Others $ 7088.84 539.32 833.81 722.45 37447 3504 6365 5168
6 Paper-based Instruments 6632.10 525.55 546.98 472.48 7212333 558866 624057 537849
6.1 CTS (NPCI Managed) 6632.10 525.55 546.98 472.48 7212333 558866 624057 537849
6.2 Others 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Retail Payments (2+3+4+5+6) 1648233.71 141378.76 199346.75 183744.55 79149461 6608910 8441287 7225275
Total Payments (1+2+3+4+5+6) 1650933.88 141597.96 199614.67 183984.84 250036131 20200353 25512262 22052158
Total Digital Payments (1+2+3+4+5) 1644301.78 141072.41 199067.69 183512.36 242823799 19641487 24888205 21514309

PART II - Payment Modes and Channels
  Volume (lakh) Value (₹ crore)
FY 2023-24 2023
November		 2024 2024 FY 2023-24 2023 November 2024 2024
October November October November
1 2 3 4 1 2 3 4
A. Other Payment Channels                
1 Mobile Payments (mobile app based) 1252599.21 108646.12 154874.97 144939.48 30687088 2646783 3532207 3215469
1.1 Intra-bank $ 83000.56 6927.98 9126.57 8518.56 5676805 478326 657333 598558
1.2 Inter-bank $ 1169598.65 101718.14 145748.39 136420.92 25010283 2168458 2874874 2616911
2 Internet Payments (Netbanking / internet browser based) @ 45034.98 3622.58 4232.23 3624.01 102117736 8033440 10303412 9002230
2.1 Intra-bank @ 12033.28 988.62 1151.19 1024.09 53247042 4130936 5085518 4483631
2.2 Inter-bank @ 33001.71 2633.96 3081.04 2599.92 48870694 3902504 5217894 4518598
B. ATMs                
3. Cash Withdrawal at ATMs $ 66440.72 5542.64 5545.04 4760.71 3259388 276530 285506 241717
3.1 Using Credit Cards $ 95.80 7.89 8.32 7.75 4648 391 444 410
3.2 Using Debit Cards $ 66001.01 5505.75 5515.23 4734.61 3241538 275032 284076 240471
3.3 Using Pre-paid Cards $ 343.90 28.99 21.49 18.35 13202 1107 985 837
4. Cash Withdrawal at PoS $ 15.18 0.75 0.29 0.28 148 7 3 3
4.1 Using Debit Cards $ 15.06 0.75 0.28 0.27 147 7 3 3
4.2 Using Pre-paid Cards $ 0.12 0.01 0.01 0.02 1 0 0 0
5. Cash Withdrawal at Micro ATMs @ 11754.95 1079.59 1227.30 898.33 314003 28972 31480 22981
5.1 AePS @ 11754.95 1079.59 1227.30 898.33 314003 28972 31480 22981

PART III - Payment Infrastructures (lakh)
  As on March 2024 2023 November 2024 2024
October November
1 2 3 4
Payment System Infrastructures        
1 Number of Cards 10667.22 10725.71 11017.88 11008.78
1.1 Credit Cards 1018.03 960.01 1068.90 1072.40
1.2 Debit Cards 9649.19 9765.69 9948.98 9936.38
2 Number of PPIs @ 16743.63 16944.31 15503.27 15624.08
2.1 Wallets @ 13381.80 13758.21 11439.31 11460.53
2.2 Cards @ 3361.82 3186.10 4063.95 4163.55
3 Number of ATMs and CRMs 2.58 2.58 2.56 2.55
3.1 Bank owned ATMs$ and CRMs# 2.23 2.24 2.21 2.20
3.2 White Label ATMs $ 0.35 0.34 0.35 0.35
4 Number of Micro ATMs @ 17.55 15.87 14.43 14.43
5 Number of PoS Terminals 89.03 84.32 95.09 96.91
6 Bharat QR @ 62.50 58.74 64.31 63.60
7 UPI QR * 3434.93 3087.39 6167.67 6260.92

PART IV - Payment Modes and Channels (International)
  Details of International transactions done using cards (credit, debit and PPI) issued in India
  Volume (lakh) Value (₹ crore)
2024 2024 2024 2024
October November October November
1. Card Payments 122.72 114.04 9151 8514
1.1 Credit Cards 77.03 71.79 6796 6433
1.1.1 PoS based 31.64 28.38 2246 2100
1.1.2 Online 45.38 43.41 4550 4333
1.2 Debit Cards 45.69 42.24 2355 2081
1.2.1 PoS based 22.04 19.97 968 805
1.2.2 Online 23.65 22.27 1388 1276
2. Prepaid Payment Instruments 39.97 32.04 1523 1216
2.1 PoS based 34.57 27.59 1204 977
2.2 Online 5.40 4.45 319 239
3. Cash Withdrawal at ATMs 6.81 6.17 1638 1378
3.1 Using Credit Cards 0.53 0.46 109 87
3.2 Using Debit Cards 4.20 3.94 809 702
3.3 Using PPIs 2.08 1.77 720 588
Total International Payments 169.49 152.25 12312 11107

PART V - Domestic Payment Frauds
  Volume (Lakh) Value (Crore) One in every X payment transaction fraudulent FTS (Fraud / Payment Value * 10000)
September 2022 1.71 249 58177.41 0.127 bps
October 2022 1.79 220 59533.35 0.127 bps
November 2022 2.06 257 50620.69 0.143 bps
December 2022 1.54 204 72426.75 0.103 bps
January 2023 1.57 195 71681.44 0.106 bps
February 2023 2.29 317 47018.00 0.177 bps
March 2023 2.25 333 53907.48 0.142 bps
April 2023 1.75 273 68927.36 0.152 bps
May 2023 2.03 285 63051.71 0.147 bps
June 2023 1.74 265 72554.96 0.128 bps
July 2023 2.24 286 59898.87 0.146 bps
August 2023 2.40 320 58391.71 0.157 bps
September 2023 2.52 366 55057.76 0.174 bps
October 2023 2.23 335 66950.05 0.164 bps
November 2023 2.57 428 57618.81 0.209 bps
December 2023 2.92 432 53327.09 0.187 bps
January 2024 2.69 435 56335.82 0.207 bps
February 2024 2.57 507 61162.60 0.231 bps
March 2024 2.57 471 67394.38 0.177 bps
April 2024 2.38 414 70681.81 0.191 bps
May 2024 2.81 545 62637.44 0.240 bps
June 2024 2.36 480 73786.50 0.206 bps
July 2024 2.54 462 71157.30 0.194 bps
August 2024 2.34 401 79284.04 0.170 bps
September 2024 2.19 401 84751.16 0.158 bps
October 2024 2.35 411 87719.87 0.159 bps
November 2024 2.03 345 93298.98 0.155 bps
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.
5. Data on domestic payment fraud statistics as reported by Scheduled Commercial Banks (excluding RRBs), Non-bank PPI issuers and Non-bank Credit Card issuers in CPFIR (Central Payments Fraud Information Registry).
6. Data does not include attempts to perpetrate frauds.

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