Lok Sabha Question No. 936 (UNSTARRED), answered on 2016-07-22
Subject: Growth of ATM/PoS
Ministry: FINANCE
Asked by: PONNUSAMY VENUGOPAL

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION No. 936

TO BE ANSWERED ON 22 ND JULY, 2016 (FRIDAY)/ASHADHA 31, 1938 (SAKA)

## Growth of ATM/PoS

## 936. DR. P. VENUGOPAL:

Will the Minister of FINANCE be pleased to state:

- (a) whether the growth of card acceptance infrastructure like Automated Teller Machines (ATMs) and Point of Sale (PoS) terminals is not on par with that of card issuance;
- (b) if so, the details thereof;
- (c) whether the lower growth of ATM and PoS terminals has impacted card use; and
- (d) if so, the details and the steps taken by the Government in this regard?

## Answer The Minister of State in the Ministry of Finance (SHRI SANTOSH KUMAR GANGWAR)

(a) to (d) Reserve Bank of India (RBI) has informed that percentage growth of ATMs and Point of Sale (PoS) terminals in 2015-16 over 2014-15 was 12.04 % and 22.98 % viz-a-viz percentage growth in number of Credit Cards outstanding and Debit Card outstanding was 16.08 % and 19.58 % during the same period. Details are given in Annexure-1.

In order to encourage banks to expand card acceptance infrastructure to a wider segment of merchants across all geographical locations and considering the experience gained by the banks in merchant acquiring business, RBI has advised banks, vide its circular No. DPSS.CO.PD.No./2894/02.14.003/2015-16 dated 26.05.2016, that they may put in place their own Board approved policy on merchant acquisition.

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## ANNEXURE-1

## Lok Sabha Question No. 936 for 22.07.2016 raised by Dr. P. Venugopal, M.P. regarding 'Growth of ATM/PoS'

The number of ATMs {Scheduled Commercial Banks (SCBs) + White Lable ATMs (WLAs)} and PoS deployed in the country for the last 3 years along with growth rates; number of cards outstanding (credit as well as debit) and the transactions done by the cards at ATMs (SCBs and WLAs) and PoS :

| As on                            | ATMs   | POS     | Credit Card Outstandi ng (mn)   | Debit Card Outstandi ng (mn)   | Transactions at ATMs (Credit + Debit +WLAs)   | Transactions at ATMs (Credit + Debit +WLAs)   | Transactions at POS (Credit + Debit)   | Transactions at POS (Credit + Debit)   |
|----------------------------------|--------|---------|---------------------------------|--------------------------------|-----------------------------------------------|-----------------------------------------------|----------------------------------------|----------------------------------------|
|                                  |        |         |                                 |                                | Vol (mn)                                      | Val (bn)                                      | Vol (mn)                               | Val (bn)                               |
| March 31, 2014                   | 161750 | 1065984 | 19.18                           | 394.42                         | 6095.78                                       | 19674.83                                      | 1128.16                                | 2494.36                                |
| March 31, 2015                   | 189279 | 1126735 | 21.11                           | 553.45                         | 7039.89                                       | 22418.76                                      | 1423.22                                | 3112.65                                |
| March 31, 2016                   | 212061 | 1385668 | 24.51                           | 661.82                         | 8200.35                                       | 25777.03                                      | 1959.29                                | 3995.88                                |
| growth % (2014- 15 over 2013-14) | 17.02  | 5.70    | 10.06                           | 40.32                          | 15.49                                         | 13.95                                         | 26.15                                  | 24.79                                  |
| growth % (2015- 16 over 2014-15) | 12.04  | 22.98   | 16.08                           | 19.58                          | 16.48                                         | 14.98                                         | 37.67                                  | 28.38                                  |

Source: RBI