{"items":[{"csv":"/data/csv/upi.csv","desc":"123 months from Jul 2016 to Sep 2026. Unified Payments Interface: instant account-to-account payments by phone, run by NPCI.","json":"/data/systems/upi.json","title":"UPI, monthly"},{"csv":"/data/csv/imps.csv","desc":"156 months from Sep 2013 to Aug 2026. Immediate Payment Service: instant interbank transfers, run by NPCI since 2010.","json":"/data/systems/imps.json","title":"IMPS, monthly"},{"csv":"/data/csv/neft.csv","desc":"216 months from Jun 2008 to Sep 2026. National Electronic Funds Transfer: RBI's batch-settled retail transfer system.","json":"/data/systems/neft.json","title":"NEFT, monthly"},{"csv":"/data/csv/rtgs.csv","desc":"217 months from Jun 2008 to Sep 2026. Real Time Gross Settlement: RBI's system for large-value transfers, settled one by one.","json":"/data/systems/rtgs.json","title":"RTGS, monthly"},{"csv":"/data/csv/nach_cr.csv","desc":"77 months from Jun 2020 to Oct 2026. Bulk credits through NPCI's National Automated Clearing House: salaries, dividends, subsidies.","json":"/data/systems/nach_cr.json","title":"NACH credit, monthly"},{"csv":"/data/csv/nach_dr.csv","desc":"75 months from Jun 2020 to Aug 2026. Bulk debits through NACH: loan EMIs, insurance premiums, SIPs and utility bills.","json":"/data/systems/nach_dr.json","title":"NACH debit, monthly"},{"csv":"/data/csv/apbs.csv","desc":"77 months from Jun 2020 to Oct 2026. Aadhaar Payment Bridge System: government benefit transfers to Aadhaar-linked accounts.","json":"/data/systems/apbs.json","title":"APBS, monthly"},{"csv":"/data/csv/aeps.csv","desc":"114 months from Apr 2017 to Sep 2026. Aadhaar Enabled Payment System: cash withdrawals, deposits and transfers with an Aadhaar number and fingerprint.","json":"/data/systems/aeps.json","title":"AePS, monthly"},{"csv":"/data/csv/netc.csv","desc":"118 months from Dec 2016 to Sep 2026. National Electronic Toll Collection: FASTag payments at toll plazas and parking.","json":"/data/systems/netc.json","title":"FASTag (NETC), monthly"},{"csv":"/data/csv/cts.csv","desc":"75 months from Jun 2020 to Aug 2026. Cheque Truncation System: cheques cleared as images, run by NPCI.","json":"/data/systems/cts.json","title":"Cheques (CTS), monthly"},{"csv":"/data/csv/credit_cards.csv","desc":"184 months from Apr 2011 to Aug 2026. Credit card payments at shops (PoS), online and through other channels.","json":"/data/systems/credit_cards.json","title":"Credit cards, monthly"},{"csv":"/data/csv/debit_cards.csv","desc":"184 months from Apr 2011 to Aug 2026. Debit card payments at shops (PoS), online and through other channels.","json":"/data/systems/debit_cards.json","title":"Debit cards, monthly"},{"csv":"/data/csv/ppi.csv","desc":"75 months from Jun 2020 to Aug 2026. Wallets and prepaid cards: payments and fund transfers with prepaid payment instruments.","json":"/data/systems/ppi.json","title":"Prepaid instruments, monthly"},{"csv":"/data/csv/atm_cash.csv","desc":"184 months from Apr 2011 to Aug 2026. Cash withdrawn at ATMs with debit, credit and prepaid cards.","json":"/data/systems/atm_cash.json","title":"ATM cash withdrawals, monthly"},{"csv":"/data/csv/mobile.csv","desc":"175 months from Nov 2011 to Aug 2026. Payments made through banks' mobile apps, across every payment system.","json":"/data/systems/mobile.json","title":"Mobile banking, monthly"},{"csv":"/data/csv/internet.csv","desc":"75 months from Jun 2020 to Aug 2026. Payments made through banks' internet banking, across every payment system.","json":"/data/systems/internet.json","title":"Internet banking, monthly"},{"csv":"/data/csv/bhim.csv","desc":"116 months from Dec 2016 to Jul 2026. NPCI's own UPI app.","json":"/data/systems/bhim.json","title":"BHIM app, monthly"},{"csv":"/data/csv/total_digital.csv","desc":"75 months from Jun 2020 to Aug 2026. Every digital payment counted by RBI: RTGS, retail credit and debit transfers, cards and prepaid instruments.","json":"/data/systems/total_digital.json","title":"All digital payments, monthly"},{"csv":"/data/csv/total_retail.csv","desc":"75 months from Jun 2020 to Aug 2026. Retail payments counted by RBI, paper included, RTGS excluded.","json":"/data/systems/total_retail.json","title":"All retail payments, monthly"},{"csv":"/data/csv/upi-apps-latest-month.csv","desc":"95 rows for Sep 2026.","json":"/data/upi/apps.json","title":"UPI apps, latest month"},{"csv":"/data/csv/upi-by-state-latest-month.csv","desc":"36 rows for Sep 2026.","json":"/data/upi/states.json","title":"UPI by state, latest month"},{"csv":"/data/csv/upi-by-merchant-category-latest-month.csv","desc":"30 rows for Sep 2026.","json":"/data/upi/categories.json","title":"UPI by merchant category, latest month"},{"csv":"/data/csv/cards-by-bank-latest-month.csv","desc":"62 rows for Aug 2026.","json":"/data/cards.json","title":"Cards by bank, latest month"},{"csv":"/data/csv/atms-and-pos-by-bank-latest-month.csv","desc":"54 rows for Aug 2026.","json":"/data/atm.json","title":"ATMs and PoS by bank, latest month"},{"csv":"/data/csv/ppi-issuers-latest-month.csv","desc":"85 rows for Aug 2026.","json":"/data/ppi.json","title":"PPI issuers, latest month"}]}