Lok Sabha Question No. 5291 (UNSTARRED), answered on 2018-03-28
Subject: Digital Transactions
Ministry: ELECTRONICS AND INFORMATION TECHNOLOGY
Asked by: JAYADEV GALLA

## GOVERNMENT OF INDIA MINISTRY OF ELECTRONICS AND INFORMATION TECHNOLOGY

## LOK SABHA UNSTARRED QUESTION NO. 5291

TO BE ANSWERED ON 28.03.2018

## DIGITAL TRANSACTIONS

## 5291. SHRI JAYADEV GALLA:

Will the Minister of ELECTRONICS & INFORMATION TECHNOLOGY be pleased to state:-

- (a) whether it is true that the Government has targeted 2,500 crore digital transactions by the end of 2017-18;
- (b) if so, whether it is true that the target is not going to be achieved;
- (c) if  so,  whether  the  Government  feels  that  with  about  25  lakh  Point  of  Sale  (POS) machines, it will be able to achieve the said target and if so, the details thereof;
- (d) the details of digital transactions since demonetisation, month and Statewise; and
- (e) the incentives and other exemptions that the Government is giving for POS machines?

## ANSWER

## MINISTER OF STATE FOR ELECTRONICS AND  INFORMATION TECHNOLOGY (SHRI K J ALPHONS)

- (a) :  Yes, Sir.
- (b):  Digital transactions have been rising consistently for the past few months and actual number of transactions till 31 st March 2018 will be known at a later date.
- (c):   Presently there are more than 32 Lakhs Point of Sale (POS) machines which are being used for making Digital transactions using Debit/Credit cards. Debit/Credit cards are also being used at online payment portals for making transactions. Further, Digital transactions are being made using other modes like Quick Response (QR) codes, BHIM platform/UPI, Internet banking etc which do not need a POS machine for transacting.
- (d):  The  details  of  Digital  Transactions  month  wise  since  demonetization  is  enclosed  at Annexure 1 . The details of Digital transactions state wise for THREE available modes namely BHIM/UPI, Unstructured Supplementary Service Data (USSD) and RuPay card on PoS since April 2017 is enclosed at Annexure 2 .
- (e):  Government  of  India,  Department  of  Financial  Services,  through  National  Bank  for Agriculture  &  Rural  Development  (NABARD)  is  incentivizing  the  installation  of  BHIM Aadhaar  POS  machines  for  FY  2017-18.  The  scheme  supports  the  banks to  deploy  20  Lakh BHIM Aadhaar PoS devices for making digital payments. Under the scheme, the banks which are deploying BHIM Aadhaar PoS devices and merchant onboarding will be extended support of upto maximum Rs 1800/- per device.

*******

The month on month growth of various Digital Payment modes since demonetization is as below-

## Digital Payment Volume (In Crores)

| Mode of Digital Payment   | Nov 16   |   Dec 16 |   Jan 17 |   Feb 17 |   Mar 17 |   Apr 17 |   May 17 |   Jun 17 |   Jul 17 |   Aug 17 |   Sep 17 |   Oct 17 | Nov 17   | Dec 17   |   Jan 18 |
|---------------------------|----------|----------|----------|----------|----------|----------|----------|----------|----------|----------|----------|----------|----------|----------|----------|
| RTGS*                     | 0.8      |      0.9 |      0.9 |      0.9 |      1.3 |      1   |      1   |      1   |      0.9 |      0.9 |      1   |      1   | 1.1      | 1.1      |      1.1 |
| EFT/NEFT*                 | 12       |     17   |     16   |     15   |     19   |     14   |     16   |     15   |     15   |     15   |     16   |     16   | 16       | 17       |     17   |
| IMPS*                     | 4        |      5   |      6   |      6   |      7   |      7   |      7   |      7   |      7   |      8   |      8   |      9   | 9        | 10       |     10   |
| Credit Card at PoS*       | 10       |     12   |     11   |      9   |     11   |     11   |     12   |     11   |     11   |     12   |     11   |     12   | 12       | 12       |     13   |
| Debit Usage at PoS*       | 24       |     42   |     33   |     25   |     27   |     27   |     26   |     25   |     26   |     27   |     27   |     28   | 27       | 29       |     30   |
| m-Wallet*                 | 14       |     21   |     26   |     25   |     31   |     32   |     24   |     22   |     24   |     23   |     20   |     20   | 19       | 29       |     33   |
| PPI Cards*                | 3        |      5   |      3   |      3   |      3   |      3   |      4   |      3   |      3   |      4   |      4   |      4   | 5        | 3        |      3   |
| Mobile Banking*           | 9        |     11   |     11   |     10   |     11   |     11   |     11   |     12   |     10   |     10   |     11   |     15   | 18       | 25       |     27   |
| UPI(Incl. BHIM/USSD)#     | 0        |      0.2 |      0.4 |      0.4 |      0.6 |      0.7 |      0.9 |      1   |      1.2 |      1.7 |      3.1 |      7.7 | 10. 5    | 14. 6    |     15.2 |
| NACH#                     | 16       |     21   |     17   |     16   |     19   |     22   |     20   |     21   |     21   |     21   |     19   |     20   | 21       | 20       |     22   |
| AEPS#                     | 3        |      4   |      4   |      4   |      5   |      6   |      7   |      8   |      8   |      8   |      8   |      8   | 8        | 9        |      9   |
| BBPS#                     | 0        |      0.3 |      0   |      0   |      0   |      0   |      0   |      0   |      0   |      0.1 |      0.2 |      0.2 | 0.2      | 0.3      |      0.4 |
| NETC#                     | -        |      0   |      0.6 |      0.7 |      0.8 |      0.7 |      0.8 |      0.8 |      0.9 |      1   |      1   |      1   | 1.1      | 1.2      |      1.3 |
| Total                     | 95       |    138   |    130   |    115   |    136   |    134   |    129   |    127   |    128   |    130   |    129   |    142   | 148      | 171      |    182   |

Source: *RBI, #NPCI

## Annexure-I

## Annexure-II

The month on month growth of BHIM/UPI, USSD and RuPay card on PoS from April 2017 till 24 March 2018 State wise is as below-

## Digital Payment Volume (In Lakhs)

| States              |   Apr 17 |   May 17 |   Jun 17 |   Jul 17 |   Aug 17 |   Sep 17 |   Oct 17 |   Nov 17 |   Dec 17 |   Jan 18 |   Feb 18 |   Mar 18* |   Total |
|---------------------|----------|----------|----------|----------|----------|----------|----------|----------|----------|----------|----------|-----------|---------|
| Andaman and Nicobar |      0.1 |      0.1 |      0.1 |      0.1 |      0.3 |      0.5 |      0.6 |      0.6 |      0.6 |      0.3 |      0.3 |       0.2 |     3.6 |
| Andhra Pradesh      |     18.7 |     20.1 |     21   |     21.6 |     26.3 |     84.7 |    267.5 |    336.8 |    332   |    278.6 |    287.8 |     230.2 |  1925.3 |
| Arunachal Pradesh   |      0.1 |      0.1 |      0.1 |      0.1 |      0.1 |      0.2 |      0.2 |      0.3 |      0.3 |      0.3 |      0.3 |       0.3 |     2.4 |
| Assam               |      2.7 |      2.8 |      3.1 |      3.7 |      4.7 |      7.3 |     12.8 |     20.5 |     19.1 |     14.4 |     18.3 |      14.8 |   124.4 |
| Bihar               |      7.1 |      9.7 |      9.9 |     10.5 |     12.3 |     16.1 |     23.9 |     33.5 |     43.5 |     51.7 |     50.4 |      40   |   308.6 |
| Chandigarh          |      2.5 |      3.1 |      3.4 |      3.7 |      4.7 |      5.9 |      8.6 |     11.5 |     12.6 |     13.1 |     12.5 |      10.2 |    91.7 |
| Chhattisgarh        |      2.6 |      2.9 |      2.8 |      2.8 |      3   |      3.3 |      3.8 |      3.5 |      4.1 |      4   |      3.5 |       2.8 |    39   |

| States                 |   Apr 17 |   May 17 | Jun 17   | Jul 17     |   Aug 17 |   Sep 17 |   Oct 17 |   Nov 17 |   Dec 17 |   Jan 18 |   Feb 18 |   Mar 18* |   Total |
|------------------------|----------|----------|----------|------------|----------|----------|----------|----------|----------|----------|----------|-----------|---------|
| Dadra and Nagar Haveli |      0.7 |      0.6 | 0.6      | 0.5        |      0.6 |      0.7 |      0.9 |      1   |      1.1 |      1.1 |      1   |       0.8 |     9.5 |
| Daman and Diu          |      0.4 |      0.4 | 0.3      | 0.3        |      0.4 |      0.4 |      0.6 |      0.7 |      0.8 |      0.8 |      0.7 |       0.6 |     6.4 |
| Delhi                  |     23.8 |     24.3 | 23.5     | 24.7       |     27.7 |     32.2 |     41   |     46.1 |     50.2 |     52.6 |     50.5 |      38.9 |   435.4 |
| Goa                    |      1.4 |      1.5 | 1.4      | 1.5        |      1.6 |      1.8 |      2.3 |      2.6 |      2.9 |      3   |      2.9 |       2.3 |    25.1 |
| Gujarat                |     17.1 |     17.5 | 16.9     | 17.0       |     19.8 |     25.4 |     40.4 |     51.8 |     55.4 |     53.3 |     49   |      38.2 |   401.6 |
| Haryana                |     23   |     24.4 | 26.0     | 26.4       |     26   |     35.4 |     59.5 |     76   |     97.3 |    107.3 |    132.2 |      85.1 |   718.7 |
| Himachal Pradesh       |      2   |      2.2 | 2.3      | 2.4        |      2.7 |      3.3 |      4.6 |      5.3 |      6.3 |      7.1 |      6.1 |       5   |    49.3 |
| Jammu and Kashmir      |      0.6 |      0.6 | 0.7      | 0.7        |      0.9 |      1.2 |      1.7 |      2.1 |      2.7 |      2.9 |      3.4 |       2.8 |    20.4 |
| Jharkhand              |      3.2 |      3.6 | 3.7      | 3.8        |      5.6 |      8.7 |     12.6 |     16.5 |     18.7 |     19.3 |     20.2 |      15.6 |   131.5 |
| Karnataka              |     29.3 |     31.7 | 32.1     | 32.8       |     36.3 |     49.4 |     94.1 |    121.8 |    132.3 |    120.9 |    116.8 |      97.7 |   895.1 |
| Kerala                 |      7.9 |      8.4 | 8.4      | 8.6        |     11.3 |     15.8 |     29.4 |     33.3 |     34.4 |     32.6 |     30.7 |      25   |   246   |
| Lakshadweep            |      0   |      0   | 0.0      | 0.0        |      0   |      0   |      0   |      0   |      0   |      0   |      0   |       0   |     0.1 |
| Madhya Pradesh         |      9   |     10.1 | 10.1     | 11.1       |     14   |     19.6 |     36.8 |     52   |     57.8 |     57   |     55.7 |      43.9 |   377.1 |
| Maharashtra            |    101.4 |    116.6 | 114.7    | 113.1      |    147.8 |    157.4 |    237   |    261.8 |    275.1 |    256.9 |    254.4 |     197.2 |  2233.4 |
| Manipur                |      0.1 |      0.1 | 0.1      | 0.1        |      0.2 |      0.2 |      0.3 |      0.5 |      0.6 |      0.6 |      0.6 |       0.4 |     3.9 |
| Meghalaya              |      0.2 |      0.2 | 0.2      | 0.2        |      0.2 |      0.3 |      0.4 |      0.8 |      0.7 |      0.5 |      0.6 |       1   |     5.4 |
| Mizoram                |      0   |      0.1 | 0.1      | 0.1        |      0.1 |      0.1 |      0.1 |      0.1 |      0.1 |      0.1 |      0.1 |       0.1 |     1.2 |
| Nagaland               |      0.1 |      0.1 | 0.1      | 0.1        |      0.1 |      0.1 |      0.1 |      0.2 |      0.3 |      0.2 |      0.2 |       0.2 |     1.8 |
| Odisha                 |     11.9 |     16.4 | 20.9     | 26.8       |     33.7 |     41.9 |     63.1 |     78.6 |     90.8 |     83.5 |     86.1 |      60.3 |   614   |
| Puducherry             |      1   |      1   | 1.0      | 0.9        |      1   |      1.1 |      1.7 |      1.9 |      2.1 |      2.2 |      1.9 |       1.6 |    17.6 |
| Punjab                 |      9   |      9   | 8.6      | 9.0        |      9   |     11.2 |     14.5 |     16.7 |     18.5 |     18.6 |     18.1 |      14.6 |   156.7 |
| Rajasthan              |      9.5 |     10.1 | 10.2     | 10.7       |     14   |     19.2 |     35.4 |     46   |     49   |     53   |     55.1 |      42.6 |   354.9 |
| Sikkim                 |      0.2 |      0.2 | 0.2      | 0.2        |      0.2 |      0.3 |      0.3 |      0.3 |      0.4 |      0.4 |      0.3 |       0.3 |     3.1 |
| Tamil Nadu             |     31.9 |     34.1 | 32.5     | 32.1       |     35.5 |     41.5 |     66.7 |     75.9 |     84.4 |     79.7 |     76.3 |      61.1 |   651.8 |
| Telangana              |     23.6 |     23.1 | 21.7     | 20.6       |     18.9 |     20.3 |     24.7 |     28.4 |     32.4 |     32.4 |     32.4 |      25.8 |   304.5 |
| Tripura                |      0.3 |      0.3 | 0.3      | 0.3        |      0.4 |      0.5 |      0.6 |      0.8 |      1   |      1.1 |      1.1 |       0.9 |     7.6 |
| Uttar Pradesh          |    112.6 |    117   |          | 112.4120.6 |    129.5 |    136   |    163.3 |    187.2 |    519.6 |    651.3 |    733.2 |     482.2 |  3464.9 |
| Uttarakhand            |      4.3 |      4.8 | 5.0      | 5.0        |      5.9 |      7   |     10.4 |     12.9 |     14.4 |     13.7 |     13   |      10.3 |   106.7 |
| West Bengal            |     17.5 |     24.6 | 27.0     | 31.2       |     44.8 |     55.6 |     70.7 |     89.8 |    102.4 |     94.6 |    110.3 |      96.7 |   765.1 |

Source: DigiDhan website (www.digipay.gov.in), * Data till 24 March 2018