IndusInd Bank announced it has successfully launched its digital banking channels on the Next-Gen UPI Processing Platform, branded as UPI 6.0. This upgrade, built by Mindgate Solutions, promises an uninterrupted payment experience with faster speeds and near-zero technical glitches. The bank is the first private bank to deploy this cloud-ready platform for both Issuer and Acquirer services, delivering 30% faster recovery time (RTO).
IndusInd Bank Launches Next-Generation UPI Platform
On February 25, 2026, IndusInd Bank announced a significant technological milestone: its digital banking channels are now live on a Next-Gen UPI Processing Platform. This move is intended to mark a transformative leap in India’s real-time payments ecosystem, setting a new benchmark for digital banking by enhancing speed, scalability, and reliability.
Key Features of UPI 6.0
The new platform has been christened UPI 6.0, representing the 6th generation upgrade developed by Mindgate Solutions. It utilizes a hyper-scalable, cloud-ready, and resilient architecture. IndusInd Bank confirmed it is the first private bank to go live on this next-gen platform for both Issuer and Acquirer services on the cloud.
This upgrade yields tangible performance improvements, including 30% faster recovery time (RTO) and providing up to 75% higher scalability headroom compared to the previous infrastructure.
Focus on Resilience and Customer Experience
Ravi Pangal, Chief Information Officer at IndusInd Bank, stated that the platform is designed to deliver sub-second response times and near-zero technical declines. Furthermore, it ensures seamless disaster recovery within minutes, guaranteeing superior transaction reliability even during peak usage periods.
This launch reinforces the Bank’s Digital 2.0 strategy, aimed at creating a seamless, secure, and intuitive banking ecosystem for individuals, merchants, and enterprises in real-time.
Company Snapshot and Rating Highlights
As of December 31, 2025, IndusInd Bank served approximately 42 million customers across its network. The bank continues to leverage its ‘Digital 2.0’ strategy for multi-channel delivery.
Domestic Credit Ratings Summary:
- CARE A1+ for Certificate of Deposits
- CRISIL A1+ for certificate of deposit program / short term FD programme
- CRISIL AA+ for Infrastructure Bonds program/Tier 2 Bonds
- IND AA+ for Issuer Rating by India Ratings and Research
International Credit Rating:
- Bal for Senior Unsecured MTN programme by Moody’s Investors Service
Source: BSE
