IndusInd Bank has gone live with a next generation UPI processing platform, marking a transformative step in real-time payments. The platform, christened UPI 6.0, is a sixth generation upgrade developed by Mindgate Solutions on a hyper-scalable, cloud-ready and resilient architecture that provides a state-of-the-art real-time payments stack. The deployment took place in Mumbai on February 25, 2026 and the Bank said it will serve customers and merchants across India.

The platform is designed to deliver sub-second response times, near-zero technical declines and seamless disaster recovery within minutes, ensuring operational continuity during peak volumes. IndusInd Bank is the first private bank to go live on this next generation processing platform for both issuer and acquirer services on the cloud. The upgrade provides thirty per cent faster recovery time and up to seventy-five per cent higher scalability headroom compared with the prior infrastructure. The move is expected to reduce technical glitches and improve transaction reliability for millions of users.

The launch aligns with the Bank's Digital 2.0 strategy to create a secure, intuitive and multi-channel banking ecosystem that supports individuals, merchants and enterprises in real time. The Bank characterised the initiative as a further step in delivering speed, resilience and trust across its digital channels and said the platform will support future innovation and intelligent banking services. The implementation leverages cloud readiness to scale operations and maintain service levels.

IndusInd Bank Limited, hereafter the Bank, has been operating for 31 years and provides a wide range of products including microfinance, personal loans, cards, SME lending and advanced digital services. As of December 31, 2025 the Bank serves around 42 million (mn) customers through 3,120 branches and 3,063 ATMs and holds clearing and settlement roles for major exchanges. The Bank also maintains strong domestic ratings including CARE A1+ and CRISIL A1+ for short-term instruments.