National Payments Corporation of India (NPCI) is the umbrella organization for retail payments and settlement systems in India. Established in 2008 by the Reserve Bank of India (RBI) and the Indian Banks’ Association (IBA), NPCI operates as a not‑for‑profit entity focused on building robust, accessible, and efficient payment infrastructure for the country. Headquartered in Mumbai, NPCI collaborates with banks, fintech companies, and government bodies to promote digital payments and financial inclusion across India.
NPCI is best known for developing and operating several critical payment platforms, including the Unified Payments Interface (UPI), RuPay card network, Immediate Payment Service (IMPS), Bharat BillPay, FASTag, Aadhaar Enabled Payment System (AePS), and the National Automated Clearing House (NACH). UPI, in particular, has become one of the world’s largest real-time payment systems, processing billions of transactions monthly and significantly transforming India’s digital payments landscape. NPCI has also expanded internationally through its subsidiary, NPCI International Payments Limited (NIPL), which promotes Indian payment technologies such as UPI and RuPay globally.
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