Electronic Payment Systems - Representative Data (Updated as on March 06, 2018)

Volume in million, Value in Rs. billion

Debit and
RTGS NEFT CTS* IMPS* NACH* UPI* USSD** Credit Cards at PPI # Mobile Banking Total
Data for the POS &
period
value (in
volume (in
volume value volume value volume value volume value volume value volume value Rs. volume value volume value volume value volume value
thousand)
thousand)
Nov-16 7.9 78479.2 123.0 8807.8 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 72.3 1244.9 671.5 94004.2
Dec-16 8.8 84096.5 166.3 11537.6 130.0 6811.9 52.8 431.9 198.7 626.8 2.0 7.0 102.2 103718.4 311.0 522.2 87.8 21.3 70.2 1365.9 957.5 104055.3
Jan-17 9.3 77486.1 164.2 11355.1 118.5 6618.4 62.4 491.2 158.7 541.4 4.2 16.6 314.3 381760.2 265.5 481.2 87.3 21.0 64.9 1206.7 870.4 97011.4
Feb-17 9.1 74218.8 148.2 10877.9 100.4 5993.9 59.7 482.2 150.5 592.0 4.2 19.0 224.8 357055.2 212.3 391.5 78.4 18.7 56.2 1080.0 763.0 92594.5
Mar-17 12.5 123375.8 186.7 16294.5 119.2 8062.8 67.4 564.7 182.1 829.4 6.2 23.9 211.2 337962.4 229.7 416.2 90.0 21.5 60.8 1499.9 893.9 149589.1
Apr-17 9.5 88512.2 143.2 12156.2 95.3 6990.6 65.1 562.1 212.6 905.2 6.9 22.0 188.9 301650.5 231.1 431.4 89.2 22.3 61.0 1443.8 853.1 109602.2
May-17 10.4 90170.5 155.8 12410.8 97.1 6745.9 66.7 585.6 194.4 692.4 9.2 27.7 192.6 316723.7 233.4 450.8 91.3 25.3 64.9 1940.7 858.5 111109.3
Jun-17 9.8 92812.6 152.3 12694.2 91.9 6409.9 65.8 596.5 197.3 708.6 10.2 30.7 198.9 313277.0 232.4 468.2 84.7 24.1 77.1 1584.7 844.7 113745.2
Jul-17 9.4 87149.3 148.1 12011.6 92.2 6342.5 69.1 604.8 204.3 771.7 11.4 33.8 190.7 302097.8 237.6 439.3 88.7 25.1 69.5 1019.2 861.1 107378.4
Aug-17 9.5 89163.4 151.6 12500.4 92.1 6224.3 75.7 651.5 205.2 752.4 16.6 41.3 191.8 294239.4 243.0 457.1 89.7 27.2 70.8 1033.0 883.4 109817.9
Sep-17 9.6 102348.1 157.7 14182.1 92.2 6271.5 82.9 717.6 176.0 628.4 30.8 52.9 202.7 323578.5 240.3 478.2 87.5 27.6 86.3 1121.6 877.0 124706.8
Oct-17 10.0 92056.1 158.8 13851.3 94.4 6340.2 88.1 750.4 187.0 900.5 76.8 70.3 184.6 299071.8 255.7 530.5 96.2 32.7 130.9 1168.7 967.3 114532.2
Nov-17 10.8 98410.5 162.0 13884.0 96.3 6633.9 89.5 782.6 197.5 724.1 104.8 96.4 182.4 287309.6 244.6 483.3 92.8 32.0 122.8 848.4 998.5 121047.1
Dec-17 10.9 100907.8 169.0 15779.2 94.6 6564.0 98.0 871.1 183.0 714.0 145.5 131.4 179.9 299367.3 263.9 528.7 99.1 35.1 113.3 921.5 1064.2 125531.5
Jan-18 11.2 107488.4 170.2 15374.1 96.7 6792.6 99.6 882.1 208.1 727.7 151.7 155.4 172.8 290020.0 271.1 521.9 113.6 38.3 106.3 928.7 1122.3 131980.8
Average 9.9 92445.0 157.1 12914.5 99.9 6548.1 71.9 619.9 187.2 714.7 38.7 48.6 183.0 281009.0 245.2 463.5 89.0 25.7 81.8 1227.2 899.1 113780.4

Feb-18
1 0.5 4689.0 12.5 782.7 4.0 319.0 4.4 45.1 14.4 61.9 5.8 9.7 7.0 13220.0 8.6 15.5 4.2 1.5 5.4 52.9 54.4 5924.5
2 0.4 4918.6 7.9 697.0 3.8 295.9 4.1 40.4 9.8 23.4 5.8 9.3 6.3 12500.0 9.3 18.4 4.1 1.4 4.9 46.3 45.1 6004.5
3 0.4 993.2 6.8 377.5 4.0 272.0 3.7 35.1 9.4 20.5 6.6 8.2 6.3 11900.0 9.0 17.1 3.9 1.3 4.3 44.1 43.9 1724.8
4 h h h h h h 2.9 20.7 0.0 0.0 5.7 5.7 5.4 10190.0 8.7 15.1 3.7 1.1 3.3 17.8 20.9 42.6
5 0.5 4515.5 8.5 634.3 4.1 281.3 4.3 40.0 14.8 79.9 7.3 8.4 6.2 11830.0 10.6 19.9 3.9 1.3 4.7 44.9 54.1 5580.6
6 0.5 4429.6 7.6 618.3 4.3 290.5 3.8 36.7 5.7 22.0 7.4 8.0 5.8 10850.0 8.6 16.7 4.0 1.4 4.2 42.2 41.9 5423.1
7 0.5 4231.0 8.3 653.6 4.2 290.7 3.7 35.3 11.5 42.0 5.5 7.6 6.1 11630.0 8.5 16.4 4.2 1.4 4.1 40.8 46.3 5278.0
8 0.5 4015.8 7.8 582.3 3.9 270.1 3.7 34.7 9.1 37.0 5.8 7.5 6.5 11970.0 8.7 17.6 4.1 1.4 4.0 38.1 43.6 4966.4
9 0.5 4619.1 8.0 693.5 4.0 278.8 3.7 35.4 5.4 18.4 6.3 7.9 6.8 12510.0 9.0 19.2 4.1 1.3 4.1 40.3 41.1 5673.5
10 h h h h h h 3.5 28.3 h h 5.2 6.0 5.5 10050.0 8.4 15.0 4.1 1.3 3.2 19.6 21.2 50.6
11 h h h h h h 2.5 15.4 h h 5.5 4.3 4.8 8250.0 8.7 15.1 3.7 1.1 2.5 11.6 20.4 35.9
12 0.6 4784.2 9.3 818.4 5.8 364.2 4.2 37.0 16.8 88.6 7.0 7.7 6.0 10350.0 11.2 21.1 4.1 1.3 4.3 43.1 59.0 6122.6
13 0.3 611.9 5.3 356.1 2.7 168.6 3.6 28.6 7.1 16.6 6.9 6.1 5.4 9430.0 8.1 15.0 4.1 1.2 3.5 28.5 38.0 1204.0
14 0.4 4503.9 5.8 566.4 4.6 299.2 3.7 32.6 5.1 36.2 6.7 6.7 5.5 9280.0 9.3 18.0 4.2 1.3 3.6 34.1 39.7 5464.2
15 0.5 4942.4 6.3 729.8 4.8 322.2 3.8 34.2 9.6 57.3 6.1 6.6 5.6 9410.0 8.7 16.9 4.3 1.4 3.4 37.3 44.3 6110.8
16 0.5 4959.9 6.5 716.9 4.3 297.4 3.6 31.6 5.4 21.7 6.9 6.8 5.6 9420.0 8.0 16.5 4.3 1.4 3.6 35.5 39.4 6052.2
17 0.4 974.2 5.2 389.0 3.7 258.5 3.2 27.7 6.3 26.0 5.2 6.1 5.3 8740.0 7.9 16.5 3.4 1.1 3.0 33.0 35.2 1699.1
18 h h h h h h 2.4 14.5 h h 4.8 4.1 4.4 7160.0 8.8 15.3 3.9 1.2 2.4 11.1 19.9 35.0
19 0.4 829.0 5.7 450.5 3.1 218.1 3.6 30.1 6.8 24.1 6.4 6.5 5.2 8620.0 9.9 17.7 4.1 1.4 3.8 33.6 40.1 1577.4
20 0.5 4925.2 6.3 756.5 4.4 306.4 3.5 31.9 8.3 29.6 6.3 6.7 5.4 8480.0 8.3 15.5 4.2 1.4 3.8 36.5 41.8 6073.2
21 0.5 4552.0 6.0 584.9 4.1 285.5 3.3 30.2 7.2 18.8 5.8 6.1 5.4 7650.0 7.6 14.6 4.2 1.3 3.4 34.2 38.7 5493.4
22 0.5 4747.7 5.7 659.3 3.9 272.5 3.2 29.3 7.4 27.0 6.1 6.4 5.2 7990.0 8.6 16.5 4.2 1.3 3.5 33.8 39.5 5760.0
23 0.5 5067.6 6.7 746.7 3.8 284.5 3.4 32.4 5.9 32.3 6.6 6.6 5.3 8030.0 8.4 15.9 4.2 1.3 3.6 36.9 39.5 6187.4
24 h h h h h h 3.1 24.1 h h 5.7 5.2 4.6 7330.0 7.5 11.6 4.1 1.2 2.9 17.0 20.5 42.0
25 h h h h h h 2.3 13.1 h h 4.3 3.7 4.1 6150.0 9.0 16.3 3.7 1.0 2.4 10.4 19.3 34.2
26 0.6 5450.0 8.2 946.7 5.6 398.7 3.8 34.8 12.4 59.1 6.5 6.9 5.2 7980.0 10.8 19.4 4.1 1.3 3.9 41.4 52.0 6917.0
27 0.6 5658.2 8.0 940.8 4.7 348.3 3.7 35.5 6.8 39.5 6.5 6.9 5.2 8410.0 7.6 14.3 4.0 1.3 3.6 40.0 41.9 7044.9
28 0.6 7347.5 13.1 1142.5 4.3 331.3 4.5 48.2 14.0 68.9 6.5 9.7 5.9 10930.0 9.3 18.7 4.1 1.3 3.4 39.9 56.3 8968.1
Feb-2018 Total 10.6 91765.6 165.6 14843.9 91.8 6453.6 99.2 882.7 199.1 850.9 171.2 191.0 156.1 270260.0 247.1 465.9 113.1 36.5 102.5 945.0 1098.0 115490.3

Note 1:
1. Data is provisional.
2. *: Source is NPCI.
3. **:Figures Negligible, Source is NPCI
4. &: Card transactions of four banks.
5. #: PPI issued by 8 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.
8. NACH figures are for approved transactions only

RTGS – Real time gross settlement

NEFT – National electronic funds transfer
CTS – Cheque truncation system
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
 Preferred Payment Modes
Cards 56.48%
Netbanking 23.80%
UPI 17.00%
Wallets 18.70%
AGS Credit Card rates
Standard Credit Card 1.30%
Premium Credit Card 2.00%
Super Premium Credit Card 2.20%
International Cards 2.50%

RBI Debit Card rates

Small merchants (<20 LPA) 0.40%
Other merchants (>20 LPA) 0.90%
Below INR 2000 0.00%

Wallets
Paytm 1.50%
Mobikwik 1.90%
Freecharge 1.75%
PayZapp 1.90%
Oxigen 1.90%
ItzCash 1.90%

UPI
<INR 2000 0.25%
>INR 2000 0.65%