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UPI Outages: Insights from RBI Governor Shaktikanta Das

10 June, 20242 min read

In recent times, the Unified Payments Interface (UPI) system has encountered several outages, sparking concerns among users and stakeholders alike.

Addressing this pressing issue, Reserve Bank of India (RBI) Governor Shaktikanta Das shed light on the root cause of these disruptions, providing clarity and reassurance to the public.


Governor Shaktikanta  Das unequivocally stated that the UPI outages stem from technical glitches on the banks' end, rather than any fault within the National Payments Corporation of India (NPCI) or the UPI infrastructure itself.

This distinction is crucial in understanding the nature of the problem and charting a path toward resolution. Highlighting the proactive approach of the central bank, Governor Shaktikanta  Das affirmed that RBI is actively engaged in addressing these challenges.

By acknowledging the issue and taking proactive measures, RBI aims to restore trust and reliability in the UPI ecosystem.

Supporting Governor Shaktikanta  Das's stance, RBI Deputy Governor T Rabi Sankar emphasized the significance of UPI Lite in alleviating pressure on the banking system.

UPI Lite, with its simplified framework, offers a streamlined alternative for transactions, reducing the burden on traditional banking channels.

These statements from RBI leadership come amidst a backdrop of recurring outages in the UPI system, which have raised concerns about its stability and resilience.

However, by attributing the outages to specific issues within the banking infrastructure, Governor Shaktikanta Das and Deputy Governor Sankar have instilled confidence in the system's overall robustness.


From an operational standpoint, addressing the root causes of UPI outages requires collaborative efforts between banks, regulatory bodies, and technology providers.

It necessitates a comprehensive review of internal processes, infrastructure upgrades, and enhanced monitoring mechanisms to prevent future disruptions.

Moreover, the insights provided by Governor Shaktikanta Das and Deputy Governor Sankar underscore the need for continuous innovation and evolution within the payments landscape.

As digital transactions continue to gain prominence, ensuring the reliability and efficiency of payment systems like UPI remains paramount.

In conclusion, while UPI outages have presented significant challenges, the statements from RBI leadership offer clarity and direction in addressing these issues.

By acknowledging the root causes and outlining remedial measures, RBI demonstrates its commitment to fostering a robust and resilient payments ecosystem.

As stakeholders collaborate to implement solutions, the UPI system is poised to emerge stronger, ensuring seamless digital transactions for all stakeholders.

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