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UPI Outages: NPCI Meets Banks and Payment Apps

16 April 20251 min read
BANKING & FINANCEUPI Outages: NPCIMeets Banks andPayment Apps16 April 2025safalsetu.com

Why in the news

A string of UPI failures within about three weeks led NPCI to call banks and payment apps together in mid-April 2025.

Key facts

  • NPCI runs UPI; the meeting included major banks and TPAPs (third-party application providers).
  • NPCI ordered a root cause analysis of the April 12 incident and is drafting a checklist for banks and TPAPs.
  • Participants were asked to upgrade infrastructure and watch latency and success rates closely.
DateNPCI’s explanation
March 26Intermittent technical issues, partial declines
April 1Year-end processing delays at some banks
April 2Success-rate swings at some banks raised latency
April 12Intermittent technical issues, partial declines

Way forward

  • Regulators, fintechs and users voiced concern.
  • Upgrades and tighter bank-TPAP coordination are key; a structured roadmap aims at long-term robustness and accountability.

Exam angle

  • Operator of UPI: National Payments Corporation of India.
  • Terms: TPAP, RCA, latency.

Test yourself

1. What does TPAP stand for in the context of the NPCI-UPI outage meeting?

The notes define TPAPs as third-party application providers.

2. Which outage did NPCI order a root cause analysis for in April 2025?

The RCA covered the April 12 outage.

3. Which organisation operates the Unified Payments Interface and convened the outage meeting?

NPCI, operator of UPI, called the meeting.