National Payments Corporation Of India (NPCI) Risk Report

🏗️ Operational & Business Continuity

The National Payments Corporation of India (NPCI) has faced several operational hurdles, notably with disruptions in the UPI transaction system. Multiple outages have impacted the seamless operation of digital payment services, highlighting challenges in maintaining business continuity. To mitigate these risks, NPCI is actively working on improving infrastructure and response protocols.

• On 🗓 March 26, 2025, UPI services were disrupted across India, with NPCI stating the issue was resolved later.
• An outage on 🗓 April 12, 2025, affected UPI services again, with NPCI attributing the failures to 'intermittent technical issues.'
• Another operational hiccup occurred on 🗓 April 2, 2025, when UPI transaction failures were reported, marking the second outage in a week.
• On 🗓 April 16, 2025, NPCI revealed the reason behind one of the longest UPI outages was technical problems.
• The organization introduced new API guidelines on 🗓 April 28, 2025, to prevent further disruptions.

📜 Innovation & R&D

NPCI remains committed to innovation and development in the digital payments landscape, continually adapting to technological advancements. By launching new platforms and services, NPCI aims to maintain its leadership in the digital payment sector and enhance user experience.

• NPCI launched a pilot AI model to update systems in collaboration with banks on 🗓 April 2, 2025.
• On 🗓 March 25, 2025, NPCI's arm released the new BHIM 3.0 app, focusing on customer satisfaction.
• The rollout of a new payment platform, termed UPI Meta, was discussed on 🗓 April 18, 2025, aiming to streamline online payments.