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Published on September 15, 2018
Table 66 : Payment System Indicators
| (Volume in Million; Value in ₹ Billion) | ||||||
| Year | 2013-14 | 2014-15 | 2015-16 | |||
| Volume | Value | Volume | Value | Volume | Value | |
| 1 RTGS | 81.11 | 904,968.04 | 92.78 | 929,333.09 | 98.34 | 1,035,551.64 |
| 1.1 Customer Transactions | 76.35 | 573,614.03 | 88.39 | 631,050.74 | 93.95 | 700,899.82 |
| 1.2 Interbank Transactions | 4.75 | 160,638.37 | 4.38 | 122,981.62 | 4.37 | 123,678.19 |
| 1.3 Interbank Clearing | 0.01 | 170,715.64 | 0.01 | 175,300.73 | 0.02 | 210,973.63 |
| 2 CCIL Operated Systems | 2.56 | 621,569.63 | 3.03 | 752,000.42 | 3.12 | 807,370.42 |
| 2.1 CBLO | 0.18 | 175,261.92 | 0.21 | 167,645.96 | 0.22 | 178,335.28 |
| 2.2 Govt. Securities Clearing | 0.87 | 161,848.24 | 1.09 | 258,916.76 | 1.02 | 269,778.20 |
| 2.2.1 Outright | 0.82 | 89,566.99 | 0.98 | 101,561.62 | 0.88 | 97,285.41 |
| 2.2.2 Repo | 0.05 | 72,281.26 | 0.11 | 157,355.15 | 0.13 | 172,492.78 |
| 2.3 Forex Clearing | 1.51 | 284,459.46 | 1.73 | 325,437.69 | 1.89 | 359,256.94 |
| 3 Paper Clearing | 1,257.31 | 93,316.04 | 1,196.50 | 85,434.14 | 1,096.37 | 81,860.79 |
| 3.1 Cheque Truncation System (CTS) | 591.38 | 44,691.39 | 964.86 | 66,769.93 | 958.39 | 69,889.15 |
| 3.2 MICR Clearing | 440.07 | 30,942.81 | 22.43 | 1,850.40 | - | - |
| 3.2.1 RBI Centres | 215.50 | 15,246.84 | 7.50 | 614.51 | - | - |
| 3.2.2 Other Centres | 224.57 | 15,695.97 | 14.93 | 1,235.89 | - | - |
| 3.3 Non-MICR Clearing | 225.86 | 17,681.84 | 209.21 | 16,813.81 | 137.98 | 11,971.64 |
| 4 Retail Electronic Clearing | 1,108.32 | 47,856.29 | 1,687.45 | 65,365.51 | 3,141.53 | 91,408.14 |
| 4.1 ECS DR | 192.91 | 1,267.96 | 226.01 | 1,739.78 | 224.75 | 1,651.50 |
| 4.2 ECS CR (Includes NECS) | 152.54 | 2,492.19 | 115.35 | 2,019.14 | 39.00 | 1,059.44 |
| 4.3 EFT/NEFT | 661.01 | 43,785.52 | 927.55 | 59,803.83 | 1,252.88 | 83,273.11 |
| 4.4 Immediate Payment Service (IMPS) | 15.36 | 95.81 | 78.37 | 581.87 | 220.81 | 1,622.26 |
| 4.5 Unified Payment Interface (UPI) | - | - | - | - | - | - |
| 4.6 National Automated Clearing House (NACH) | 86.50 | 214.81 | 340.17 | 1,220.88 | 1,404.08 | 3,801.83 |
| 5 Cards | 7,219.13 | 22,159.58 | 8,423.99 | 25,415.27 | 10,038.67 | 29,397.65 |
| 5.1 Credit Cards | 512.03 | 1,556.72 | 619.41 | 1,922.63 | 791.67 | 2,437.02 |
| 5.1.1 Usage at ATMs | 2.96 | 16.87 | 4.29 | 23.47 | 6.00 | 30.41 |
| 5.1.2 Usage at POS | 509.08 | 1,539.85 | 615.12 | 1,899.16 | 785.67 | 2,406.62 |
| 5.2 Debit Cards | 6,707.10 | 20,602.86 | 7,804.57 | 23,492.65 | 9,247.00 | 26,960.63 |
| 5.2.1 Usage at ATMs | 6,088.02 | 19,648.35 | 6,996.48 | 22,279.16 | 8,073.39 | 25,371.36 |
| 5.2.2 Usage at POS | 619.08 | 954.51 | 808.09 | 1,213.49 | 1,173.61 | 1,589.27 |
| 6 Prepaid Payment Instruments (PPIs) | 133.63 | 81.05 | 314.46 | 213.42 | 748.02 | 487.58 |
| 6.1 m-Wallet | 107.51 | 29.05 | 255.00 | 81.84 | 603.98 | 205.84 |
| 6.2 PPI Cards | 25.60 | 28.36 | 58.91 | 105.35 | 143.47 | 253.77 |
| 6.3 Paper Vouchers | 0.53 | 23.63 | 0.55 | 26.24 | 0.56 | 27.97 |
| 7 Mobile Banking | 94.71 | 224.18 | 171.92 | 1,035.30 | 389.49 | 4,040.91 |
| 8 Grand Total (1.1+1.2+2+3+4+5+6) | 9,802.05 | 1,519,234.99 | 11,718.19 | 1,682,461.12 | 15,126.04 | 1,835,102.59 |
| (Continued) | ||||||
| TABLE 66 : PAYMENT SYSTEM INDICATORS(concld.) | ||||
| (Volume in Million; Value in ₹ Billion) | ||||
| Year | 2016-17 | 2017-18 | ||
| Volume | Value | Volume | Value | |
| 1 RTGS | 107.86 | 1,253,652.08 | 124.46 | 1,467,431.99 |
| 1.1 Customer Transactions | 103.66 | 849,950.51 | 120.71 | 1,036,698.74 |
| 1.2 Interbank Transactions | 4.17 | 131,953.25 | 3.72 | 130,426.03 |
| 1.3 Interbank Clearing | 0.02 | 271,748.31 | 0.02 | 300,307.22 |
| 2 CCIL Operated Systems | 3.65 | 1,056,173.36 | 3.50 | 1,074,802.02 |
| 2.1 CBLO | 0.22 | 229,528.33 | 0.20 | 283,307.58 |
| 2.2 Govt. Securities Clearing | 1.51 | 404,389.08 | 1.12 | 370,363.78 |
| 2.2.1 Outright | 1.34 | 168,741.46 | 0.92 | 113,998.80 |
| 2.2.2 Repo | 0.17 | 235,647.62 | 0.20 | 256,364.98 |
| 2.3 Forex Clearing | 1.93 | 422,255.95 | 2.17 | 421,130.66 |
| 3 Paper Clearing | 1,206.69 | 80,958.15 | 1,170.65 | 81,893.24 |
| 3.1 Cheque Truncation System (CTS) | 1,111.86 | 74,035.22 | 1,138.05 | 79,451.24 |
| 3.2 MICR Clearing | - | - | - | - |
| 3.2.1 RBI Centres | - | - | - | - |
| 3.2.2 Other Centres | - | - | - | - |
| 3.3 Non-MICR Clearing | 94.83 | 6,922.93 | 32.60 | 2,442.00 |
| 4 Retail Electronic Clearing | 4,222.86 | 132,324.30 | 6,382.49 | 193,112.33 |
| 4.1 ECS DR | 8.76 | 39.14 | 1.54 | 9.72 |
| 4.2 ECS CR (Includes NECS) | 10.10 | 144.08 | 6.14 | 115.00 |
| 4.3 EFT/NEFT | 1,622.10 | 120,039.68 | 1,946.36 | 172,228.52 |
| 4.4 Immediate Payment Service (IMPS) | 506.73 | 4,116.24 | 1,009.80 | 8,924.98 |
| 4.5 Unified Payment Interface (UPI) | 17.90 | 69.00 | 915.20 | 1,098.00 |
| 4.6 National Automated Clearing House (NACH) | 2,057.27 | 7,916.17 | 2,503.46 | 10,736.12 |
| 5 Cards | 12,055.87 | 30,214.00 | 13,358.62 | 38,214.64 |
| 5.1 Credit Cards | 1,093.51 | 3,312.21 | 1,412.97 | 4,626.33 |
| 5.1.1 Usage at ATMs | 6.37 | 28.39 | 7.81 | 36.68 |
| 5.1.2 Usage at POS | 1,087.13 | 3,283.82 | 1,405.16 | 4,589.65 |
| 5.2 Debit Cards | 10,962.36 | 26,901.79 | 11,945.65 | 33,588.31 |
| 5.2.1 Usage at ATMs | 8,563.06 | 23,602.73 | 8,602.26 | 28,987.61 |
| 5.2.2 Usage at POS | 2,399.30 | 3,299.07 | 3,343.39 | 4,600.70 |
| 6 Prepaid Payment Instruments (PPIs) | 1,963.66 | 838.01 | 3,459.05 | 1,416.34 |
| 6.1 m-Wallet | 1,629.98 | 532.42 | 3,025.98 | 1,086.75 |
| 6.2 PPI Cards | 333.11 | 277.52 | 432.63 | 310.41 |
| 6.3 Paper Vouchers | 0.56 | 28.08 | 0.44 | 19.19 |
| 7 Mobile Banking | 976.85 | 13,104.76 | 1,872.26 | 14,738.54 |
| 8 Grand Total (1.1+1.2+2+3+4+5+6) | 19,560.56 | 2,282,411.58 | 24,498.74 | 2,556,563.36 |
| Source: Reserve Bank of India. | ||||
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