Electronic Payment Systems - Representative Data (Updated as on December 31, 2016)

Volume in million, Value in Rs. billion

RTGS

NEFT

CTS*

IMPS*

NACH*

UPI*

Debit and
Credit Cards at
POS &

USSD**

Data for the period

volume

Nov-16
Dec-16

value

7.9 78479.2
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

0.3
0.3
0.3
h
0.3
0.3
0.3
0.3
0.4
h
h
0.2
0.4
0.4
0.4
0.4
0.3
h
0.4
0.4
0.4
0.4
0.4
h
h
0.5
0.4
0.4
0.4
0.4

3781.0
3784.7
706.0
h
3552.4
3630.4
3300.7
3151.8
4329.5
h
h
297.2
3684.4
3818.4
4419.4
3213.2
707.0
h
3113.4
3498.0
3335.3
3471.0
3965.7
h
h
3947.7
3853.8
3945.0
4681.5
6364.5

volume

value

123.0 8807.8
10.4
7.7
6.4
h
7.0
6.0
7.2
6.9
7.1
h
h
5.3
6.4
6.7
6.0
5.8
4.9
h
5.8
5.8
5.9
5.9
6.1
h
h
7.1
5.8
6.9
6.5
9.3

564.6
466.6
272.9
h
459.2
350.1
399.0
417.1
473.6
h
h
230.5
488.7
487.7
495.3
415.2
250.1
h
421.1
407.7
416.0
482.1
519.9
h
h
546.4
489.0
525.3
653.1
841.9

volume

value

volume

value

volume

value

volume

value

volume (in
thousand)

volume

value

volume

Mobile Banking

value

87.1 5419.2

36.2

324.8

152.5

606.6

0.3

0.9

7.0

7302.6

205.5

352.4

59.0

13.2

4.6
288.8
4.4
265.9
4.7
231.4
h
h
4.9
247.2
4.6
222.7
5.2
256.8
5.1
256.6
4.8
277.5
h
h
h
h
2.4
134.0
5.6
294.6
6.5
320.8
6.1
292.2
6.0
297.2
5.3
252.4
h
h
6.2
299.6
5.6
280.7
5.5
269.3
5.2
267.3
5.1
270.3
h
h
h
h
6.9
368.7
5.9
321.6
5.4
282.3
5.2
297.8
4.7 267.676

1.8
1.7
1.7
1.2
1.9
1.7
1.8
1.8
1.8
1.5
1.0
1.3
1.7
1.9
1.9
1.9
1.7
1.1
2.0
1.9
1.9
1.9
1.8
1.6
0.9
2.0
1.8
1.7
1.8
1.9

18.2
16.4
15.0
9.0
16.4
14.0
15.5
15.4
15.3
11.6
6.5
11.2
13.9
15.5
15.6
15.0
13.2
6.6
14.9
15.0
14.6
14.7
15.0
11.2
5.6
15.6
14.9
14.9
15.8
18.7

11.6
9.4
6.2
h
15.0
18.2
13.5
6.0
6.0
h
h
14.0
5.5
4.9
6.0
4.5
5.6
h
8.4
5.6
2.5
4.6
6.1
h
h
8.7
4.1
9.1
8.4
8.9

55.7
14.5
15.3
h
64.0
21.1
32.0
29.9
17.3
h
h
46.5
13.6
23.1
47.2
13.7
8.5
h
16.3
17.4
9.2
14.0
16.6
h
h
18.4
14.6
19.4
20.8
51.4

0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.0
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1

0.1
0.1
0.1
0.1
0.1
0.1
0.2
0.1
0.2
0.1
0.1
0.2
0.2
0.3
0.3
0.3
0.3
0.1
0.3
0.3
0.3
0.3
0.3
0.2
0.1
0.3
0.4
0.4
0.4
0.4

1.0
1.2
1.4
1.1
0.9
0.8
1.3
1.8
2.5
1.4
1.5
2.2
2.4
1.9
2.3
3.4
3.6
3.4
3.2
3.0
3.5
3.6
3.3
4.8
5.1
4.8
4.0
3.6
9.1
12.3

943.4
1349.9
1413.9
1198.2
1076.3
943.3
1358.0
1740.3
2220.7
1509.0
1355.6
1820.6
2388.2
2200.4
2553.7
3432.9
3879.1
3439.4
4200.6
3877.1
4245.8
4425.7
4297.8
5484.1
4622.1
5680.2
4916.5
4447.2
7156.4
9153.2

8.6
8.9
10.0
9.9
10.5
9.2
9.8
6.5
10.1
10.0
9.5
11.4
9.9
9.6
9.5
10.2
10.2
9.9
10.9
10.1
10.1
9.9
10.2
10.1
10.4
11.2
10.0
10.6
8.8

14.6
15.3
17.4
15.3
17.5
16.0
17.2
12.0
17.0
16.6
13.8
19.1
15.3
15.4
15.5
16.6
18.0
16.2
18.4
16.3
18.2
16.7
16.8
16.9
16.2
19.2
17.2
18.7
14.9

2.5
2.6
2.7
2.5
2.7
2.6
2.7
2.5
2.7
2.7
2.7
2.8
2.8
2.9
2.6
3.1
3.0
2.8
2.9
2.5
2.9
3.0
3.0
3.0
2.7
3.0
3.0
2.9
3.0
2.7

0.6
0.6
0.6
0.6
0.6
0.6
0.7
0.6
0.7
0.7
0.7
0.7
0.7
0.7
0.7
0.8
0.8
0.7
0.7
0.6
0.7
0.7
0.7
0.7
0.6
0.7
0.7
0.7
0.7
0.6

Notes:
1.Data is provisional.
2. *: Source is NPCI.
3. **:Figures Negligible, Source is NPCI
4. &: Card transactions of four banks. This data is obtained with a lag of 2 days, hence it will be updated on the day following the release.
5. #: PPI issued by 8 non-bank issuers for goods and services transactions only.
6. h: Holiday
7. Mobile Banking figures are taken from 5 banks. The total volume & value of electronic payment systems does not include mobile banking.

RTGS Real time gross settlement

NEFT National electronic funds transfer
CTS Cheque truncation system

value (in Rs.

thousand)

PPI #

volume

value

72.3 1244.9
2.8
2.6
2.6
2.0
2.5
2.5
2.6
2.5
2.3
1.9
1.8
2.1
2.2
2.3
2.4
2.3
2.3
1.7
2.3
2.3
2.2
2.1
2.2
1.8
1.5
2.1
2.1
2.1
2.2
2.5

49.3
89.1
26.3
11.5
43.8
71.9
44.3
40.2
48.5
12.5
9.2
17.5
47.5
45.0
45.8
79.1
24.2
7.4
49.0
62.3
102.6
45.6
53.1
10.4
7.2
52.2
62.6
48.5
47.9
76.3

Total

volume

value

671.5

###

39.9
35.1
32.0
13.6
42.4
42.6
40.5
29.2
33.0
14.3
13.3
37.4
32.5
33.1
32.5
32.0
31.1
13.8
36.5
32.0
29.4
30.9
32.9
14.7
14.2
39.5
31.1
37.1
34.2
28.0

4723.5
4564.1
1258.5
24.9
4357.4
4254.9
4021.8
3883.5
5131.1
29.0
21.1
739.1
4511.5
4682.0
5286.2
3971.9
1250.1
23.6
3884.8
4236.0
4063.7
4266.8
4805.3
29.1
22.5
4917.0
4712.3
4806.8
5684.9
7545.2

IMPS Immediate payment service

NACH National automated clearing house
UPI - Unified Payments Interface
USSD - Unstructured Supplementary Service Data
POS Point of sale
PPI Prepaid payment instrument