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9A. Retail Electronic Payment Systems

Date of Publish : May 10, 2012

(Number in Million and Amount in ` Billion)
Year/ Period	Total Electronic Payments		Electronic Clearing Services (ECS)				National Electronic Funds Transfer NEFT/EFT		Card Payments#
	Total Electronic Payments		NECS/ECS (Credit)		ECS (Debit)		National Electronic Funds Transfer NEFT/EFT		Credit			Debit*
	1=(2+3+4+5+6)		2		3		4		5			6
	Num ber	Amo unt	Num ber	Amo unt	Num ber	Amo unt	Num ber	Amo unt	Number of Out- standing Cards**	Num ber	Amo unt	Number of Out- standing Cards**	Num ber	Amo unt
2003-04	166.94	521.43	20.32	102.28	7.87	22.54	0.82	171.25	–	100.18	176.63	–	37.76	48.74
2004-05	228.90	1,087.50	40.05	201.80	15.30	29.21	2.55	546.01	–	129.47	256.86	–	41.53	53.61
2005-06	285.01	1,463.83	44.22	323.24	35.96	129.86	3.07	612.88	17.33	156.09	338.86	49.76	45.69	58.97
2006-07	378.71	2,356.93	69.02	832.73	75.20	254.41	4.78	774.46	23.12	169.54	413.61	74.98	60.18	81.72
2007-08	535.31	10,419.92	78.37	7,822.22	127.12	489.37	13.32	1,403.26	27.55	228.20	579.85	102.44	88.31	125.21
2008-09	667.82	5,003.22	88.39	974.87	160.05	669.76	32.16	2,519.56	24.70	259.56	653.56	137.43	127.65	185.47
2009-10	718.16	6,848.86	98.13	1,176.13	149.28	695.24	66.34	4,095.07	18.33	234.24	618.24	181.97	170.17	264.18
2010-11	908.59	13,086.87	117.30	1,816.86	156.74	736.46	132.34	9,391.49	18.04	265.14	755.16	227.84	237.06	386.91
2011-12	1,159.84	22,075.33	121.50	1,837.84	164.74	833.55	226.11	17,903.50	17.65	319.96	966.13	278.23	327.54	534.32
2009-10
April	81.52	1,631.72	7.73	158.27	13.24	62.90	14.86	1,302.94	17.78	23.23	70.55	230.26	22.46	37.06
May	85.73	1,467.85	6.69	136.55	13.54	65.15	15.77	1,145.32	17.66	25.34	78.81	234.98	24.39	42.01
June	87.78	1,662.69	10.41	166.15	13.36	66.84	15.94	1,319.95	17.66	24.18	71.91	239.52	23.89	37.84
July	93.01	1,626.58	11.53	160.70	12.64	65.30	16.63	1,283.54	17.65	25.61	74.72	243.34	26.60	42.33
August	91.67	1,641.27	15.40	221.53	3.49	67.67	17.33	1,225.68	17.58	27.69	80.79	251.48	27.75	45.61
September	95.22	1,679.71	12.71	130.10	13.31	66.15	17.56	1,365.51	17.63	25.59	76.94	251.97	26.05	41.01
October	109.68	1,807.89	17.20	171.21	14.09	70.46	19.25	1,420.33	17.62	28.64	89.98	255.56	30.50	55.91
November	93.48	1,657.65	7.55	102.43	13.67	70.58	18.78	1,362.15	17.64	26.41	79.20	259.83	27.06	43.29
December	99.52	1,963.92	7.08	154.01	14.27	73.42	20.61	1,603.45	17.67	28.15	84.22	263.80	29.41	48.82
January	101.55	2,104.04	6.25	187.15	14.18	72.49	20.63	1,705.70	17.74	29.81	88.68	268.00	30.67	50.02
February	100.44	1,977.78	10.22	11.48	13.95	75.41	21.63	1,765.03	17.57	26.57	81.97	273.65	28.07	43.89
March	110.05	2,750.89	8.73	134.91	14.79	77.18	27.11	2,403.89	17.65	28.74	88.37	278.23	30.67	46.53
Total (up to March 2010)	1,149.64	21,971.99	121.50	1,734.49	154.53	833.55	226.11	17,903.50	17.65	319.96	966.13	278.23	327.54	534.32
2010-11(P)
April	63.91	841.87	7.87	128.19	12.74	58.74	7.48	575.12	19.29	19.83	54.74	184.79	16.00	25.08
May	65.79	805.63	6.57	100.61	12.62	57.40	7.74	558.67	19.02	20.95	59.36	188.25	17.90	29.59
June	67.18	796.87	8.92	129.12	12.82	61.91	8.42	524.47	18.94	20.20	55.39	191.91	16.82	25.97
July	75.40	1,054.67	12.24	237.92	12.96	59.03	9.46	670.52	18.93	21.90	58.17	195.70	18.84	29.03
August	79.00	919.55	13.39	149.42	12.64	57.91	9.80	616.42	18.85	22.61	62.59	200.09	20.55	33.21
September	73.42	885.70	10.79	127.90	12.67	59.60	9.84	609.87	18.43	21.09	58.48	203.83	19.04	29.85
October	86.01	1,224.65	16.70	253.52	13.28	89.35	11.63	777.04	18.22	22.91	67.60	208.14	21.49	37.14
November	77.98	1,115.83	9.13	174.88	13.18	60.90	11.75	773.61	18.19	23.04	69.22	211.88	20.88	37.22
December	79.56	1,321.00	7.75	217.07	13.46	62.22	13.46	937.20	18.10	23.49	68.46	216.04	21.39	36.06
January	79.32	1,197.88	6.73	91.46	13.31	61.06	12.96	938.88	18.14	24.08	69.35	218.21	22.23	37.13
February	79.20	1,162.44	10.37	111.67	13.20	49.72	13.43	905.88	18.13	21.65	62.13	222.37	20.55	33.04
March	81.83	1,760.78	6.84	95.10	13.86	58.63	16.36	1,503.81	18.04	23.40	69.67	227.84	21.37	33.57
Total (up to March 2011)	908.59	13,086.87	117.30	1,816.86	156.74	736.46	132.34	9,391.49	18.04	265.14	755.16	227.84	237.06	386.91
2011-12
April (P)	81.52	1,631.72	7.73	158.27	13.24	62.90	14.86	1,302.94	17.78	23.23	70.55	230.26	22.46	37.06
May (P)	85.73	1,467.85	6.69	136.55	13.54	65.15	15.77	1,145.32	17.66	25.34	78.81	234.98	24.39	42.01
June (P)	87.78	1,662.69	10.41	166.15	13.36	66.84	15.94	1,319.95	17.66	24.18	71.91	239.52	23.89	37.84
July (P)	93.01	1,626.58	11.53	160.70	12.64	65.30	16.63	1,283.54	17.65	25.61	74.72	243.34	26.60	42.33
August (P)	101.87	1,641.27	15.40	221.53	13.70	67.67	17.33	1,225.68	17.58	27.69	80.79	251.48	27.75	45.61
September (P)	95.22	1,679.71	12.71	130.10	13.31	66.15	17.56	1,365.51	17.63	25.59	76.94	251.97	26.05	41.01
October (P)	109.68	1,807.89	17.20	171.21	14.09	70.46	19.25	1,420.33	17.62	28.64	89.98	255.56	30.50	55.91
November (P)	93.48	1,657.65	7.55	102.43	13.67	70.58	18.78	1,362.15	17.64	26.41	79.20	259.83	27.06	43.29
December (P)	99.52	1,963.92	7.08	154.01	14.27	73.42	20.61	1,603.45	17.67	28.15	84.22	263.80	29.41	48.82
January (P)	101.55	2,104.04	6.25	187.15	14.18	72.49	20.63	1,705.70	17.74	29.81	88.68	268.00	30.67	50.02
February (P)	100.44	2,081.13	10.22	114.83	13.95	75.41	21.63	1,765.03	17.57	26.57	81.97	273.65	28.07	43.89
March (P)	110.05	2,750.89	8.73	134.91	14.79	77.18	27.11	2,403.89	17.65	28.74	88.37	278.23	30.67	46.53
Total (up to March 2012)	1,159.84	22,075.33	121.50	1,837.84	164.74	833.55	226.11	17,903.50	17.65	319.96	966.13	278.23	327.54	534.32
# Card Payments figures pertain only to Point of Sale (POS) transactions. * Debit Cards figures for 2003-04 and 2004-05 are estimated based on 2005-06 figures. ** Cards issued by banks (excluding those withdrawn/blocked).