Lok Sabha Question No. 20 (STARRED), answered on 2020-02-03
Subject: RuPay Cards
Ministry: FINANCE
Asked by: Pratima Bhoumik

## *20. MS. PRATIMA BHOUMIK:

Will the Minister of FINANCE be pleased to state:

- (a)  the  details  of  the  number  of  RuPay  card  holders  in  the  country  and  the  number  of activated RuPay cards at present, State-wise;
- (b) whether the Government intends to direct banks and other financial institutions for 100 per cent distribution and activation of RuPay cards and seeding Aadhaar number with

bank accounts; (c)  if so, the details thereof and if not, the reasons therefor; and (d) whether it is a fact that there are many Government Institutions/Departments which are still not accepting Payments through RuPay Card and if so, the details thereof and the

- reasons therefor?

## Answer

## THE FINANCE MINISTER (SMT. NIRMALA SITHARAMAN)

(a) to (d)  A  Statement  is  laid  on  the  Table of  the  House.

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## 20 th  Position

GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES LOK SABHA STARRED QUESTION No.*20 ANSWERED ON 3 rd  FEBRUARY, 2020 (MONDAY)/MAGHA 14,1941 (SAKA)

## RuPay Cards

Statement referred to in reply to parts (a) to (d) of Lok Sabha Starred Question No.  *20  (20 th Position)  for  3 rd   February,  2020  by  Ms.  Pratima  Bhoumik,  M.P., regarding 'RuPay Cards'

- (a) As  informed  by  National  Payments  Corporation  of  India  (NPCI),  59.15  crore RuPay  Cards  have  been  issued  as  on  31 st   December,  2019.    The  number  of active  RuPay  cards  is  dynamic  in  nature  and  keeps  on  changing  on  real  time basis. State/UT-wise data on issue of RuPay cards and active RuPay cards is not  centrally  maintained.  However,  State/UT-wise  data  on  number  of  RuPay cards used for a minimum of one  inter-bank (off-us) financial transaction at an ATM or Point of Sale (PoS) in the last 365 days ending on 31 st  December, 2019, as provided by NPCI, is given in Annexure. The State/UT is the one in which the first financial transaction on an ATM/PoS was made, in the said period.
- (b) and  (c)  Under  Pradhan  Mantri  Jan-Dhan  Yojana  (PMJDY),  RuPay  cards  are issued  to  account-holders.  As  on  22.01.2020,  29.86  crore  RuPay  cards  have been  issued  to  PMJDY  account-holders.  Further,  keeping  in  view  the  wider acceptability  of  RuPay  card  and  the  role  it  is  playing  in  facilitating  banking transactions by customers/merchants at an affordable cost, Public Sector Banks have  been  requested  to  issue  RuPay  card,  in  the  event  of  customer  not indicating any specific card preference.

As per Reserve Bank of India's (RBI's) Master Direction on Know Your Customer (KYC)  dated  25.02.2016  (updated  as  on  May  29,  2019),  Banks  carry  out authentication  of  the  customer's  Aadhaar  number  using  e-KYC  authentication facility provided by the Unique Identification Authority of India upon receipt of the customer's  declaration  that  he  is  desirous  of  receiving  any  benefit  or  subsidy under any scheme notified under section 7 of the Aadhaar (Targeted Delivery of Financial and Other Subsidies, Benefits and Services) Act, 2016 (18 of 2016) in his account. They also carry out Aadhaar authentication/off-line verification of an individual, who voluntarily uses his Aadhaar number for verification purpose.

As  informed  by  banks,  as  on  24.01.2020,  approximately  85%  of  the  Current Accounts & Savings Accounts (CASA) are Aadhaar seeded.

- (d) The Central Government in the Ministry of Electronics and Information Technology  (MeitY)  has requested  all Ministries/Departments/Institutions to ensure enablement of all the following digital payment modes in their websites/Mobile Apps for receiving payments:
- a)  Unified Payment Interface (UPI)
- b)  Dynamic UPI QR code
- c)  Debit Card (including RuPay)
- d)  Credit Card (Including RuPay)
- e)  Internet Banking

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| State/UT                  | Number of RuPay cards used for a minimum of one inter-bank (off-us) financial transaction at an ATM in the last 365 days ending on 31st December, 2019   | Number of RuPay cards used for a minimum of one inter- bank (off-us) financial transaction at PoS in the last 365 days ending on 31st December, 2019   |
|---------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------|
| Andaman & Nicobar Islands | 84,974                                                                                                                                                   | 33,264                                                                                                                                                 |
| Andhra Pradesh            | 10,950,579                                                                                                                                               | 4,566,617                                                                                                                                              |
| Arunachal Pradesh         | 153,632                                                                                                                                                  | 57,369                                                                                                                                                 |
| Assam                     | 3,837,483                                                                                                                                                | 1,153,175                                                                                                                                              |
| Bihar                     | 9,317,714                                                                                                                                                | 2,143,750                                                                                                                                              |
| Chandigarh                | 1,017,119                                                                                                                                                | 789,604                                                                                                                                                |
| Chattisgarh               | 3,456,989                                                                                                                                                | 1,158,470                                                                                                                                              |
| Dadra & Nagar Haveli      | 57,586                                                                                                                                                   | 16,830                                                                                                                                                 |
| Daman & Diu               | 216,267                                                                                                                                                  | 172,150                                                                                                                                                |
| Delhi                     | 8,254,963                                                                                                                                                | 4,861,808                                                                                                                                              |
| Goa                       | 1,050,762                                                                                                                                                | 685,172                                                                                                                                                |
| Gujarat                   | 10,348,040                                                                                                                                               | 4,364,013                                                                                                                                              |
| Haryana                   | 7,207,964                                                                                                                                                | 4,670,747                                                                                                                                              |
| Himachal Pradesh          | 2,022,819                                                                                                                                                | 924,979                                                                                                                                                |
| Jammu & Kashmir / Ladakh  | 999,874                                                                                                                                                  | 308,456                                                                                                                                                |
| Jharkhand                 | 3,295,275                                                                                                                                                | 1,256,533                                                                                                                                              |
| Karnataka                 | 17,787,870                                                                                                                                               | 10,427,103                                                                                                                                             |
| Kerala                    | 8,361,324                                                                                                                                                | 3,531,021                                                                                                                                              |
| Lakshadweep               | 10,716                                                                                                                                                   | 361                                                                                                                                                    |
| Madhya Pradesh            | 9,020,063                                                                                                                                                | 3,043,864                                                                                                                                              |
| Maharashtra               | 30,601,101                                                                                                                                               | 14,488,405                                                                                                                                             |
| Manipur                   | 360,740                                                                                                                                                  | 70,772                                                                                                                                                 |
| Meghalaya                 | 294,534                                                                                                                                                  | 126,991                                                                                                                                                |
| Mizoram                   | 188,682                                                                                                                                                  | 24,166                                                                                                                                                 |
| Nagaland                  | 183,999                                                                                                                                                  | 25,194                                                                                                                                                 |
| Odisha                    | 6,824,333                                                                                                                                                | 2,141,850                                                                                                                                              |
| Others                    | 9,528,756                                                                                                                                                | 3,558,568                                                                                                                                              |
| Pondicherry               | 827,323                                                                                                                                                  | 524,031                                                                                                                                                |
| Punjab                    | 5,858,595                                                                                                                                                | 3,005,745                                                                                                                                              |
| Rajasthan                 | 10,429,314                                                                                                                                               | 3,253,849                                                                                                                                              |
| Sikkim                    | 225,067                                                                                                                                                  | 79,569                                                                                                                                                 |
| Tamil Nadu                | 22,990,638                                                                                                                                               | 10,612,619                                                                                                                                             |
| Telangana                 | 9,310,519                                                                                                                                                | 5,915,464                                                                                                                                              |

| Tripura       | 511,775     | 146,692     |
|---------------|-------------|-------------|
| Uttar Pradesh | 20,047,351  | 8,209,725   |
| Uttarakhand   | 2,816,235   | 1,437,208   |
| West Bengal   | 10,577,820  | 3,144,512   |
| Grand Total   | 229,028,795 | 100,930,646 |

Source: NPCI

Note: (1)  Only interbank (i.e. OFF-US) financial transactions have been taken into account.  This does not take into account the transactions made in the ATM or PoS machine of the Issuer Bank of the RuPay card.

Note: (2) The State/UT is the one in which the first financial transaction on an ATM/PoS was made, in the said period.