Digital Payments Rise 12.6% by March-End 2024: RBI Data

As of March 31, 2024, digital payments in India experienced a 12.6% year-over-year increase, according to the Reserve Bank of India’s (RBI) Digital Payments Index (RBI-DPI). The index reached 445.5, marking an increase from 418.77 in September 2023 and 395.57 in March 2023. The RBI attributed this growth to improvements in payment performance and infrastructure across the country.

Introduction of RBI-DPI

The RBI-DPI, introduced in March 2018, is a composite index designed to gauge the extent of digitization in payments across India. It includes five parameters to measure digital payment adoption and penetration.

Parameters of RBI-DPI

  • Payment Enablers (25%)
  • Payment Infrastructure Demand-side Factors (10%)
  • Payment Infrastructure Supply-side Factors (15%)
  • Payment Performance (45%)
  • Consumer Centricity (5%)

Publication Schedule

The RBI-DPI is published semi-annually, with a four-month reporting lag, and has been regularly updated since March 2021.

Piyush Shukla

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