NPCI · UPI Performance

Bank Reliability Index

Q: What does the Bank Reliability Index measure?

It ranks banks on three UPI performance signals sourced from NPCI's bank-wise statistics: the UPI success rate (share of transactions that complete), the failure rate (share declined on the bank's side), and the average response time in milliseconds. Together these reflect how dependable a bank's payment infrastructure is.

Q: What counts as a good UPI success rate?

A success rate at or above 98% is excellent and typical of well-run major banks. Between 96% and 98% is acceptable; below 95% usually signals technical strain or frequent bank-side declines. NPCI separately tracks "technical decline" rates that banks are expected to keep low.

Q: Why do UPI payments fail at some banks?

Most avoidable failures are bank-side technical declines — server downtime, capacity limits, or maintenance windows — rather than a problem with the UPI app you use. The reliability index isolates this bank-side dimension so you can compare institutions fairly.

Q: What does the response time tell me?

Response time is the average time, in milliseconds, a bank takes to process a UPI request. Lower is better: faster banks confirm or decline payments quickly, which reduces stuck or "pending" transactions during high-traffic periods.

Q: Does a high success rate guarantee my payment will go through?

No. The index reflects aggregate, historical reliability across many transactions. Any single payment can still fail because of your balance, limits, network, or the beneficiary bank. A high-ranked bank simply fails less often on average.

Q: How current is this ranking data?

The rankings are built from NPCI's periodically published bank-wise UPI performance figures, not a live feed. Use them as a reliable directional comparison of banks rather than a real-time status check.

Compare Indian banks by UPI success rate, failure rate, and average response time — so you can pick a bank whose payments actually go through.

NPCI bank-wise data UPI success & failure rates Average response time Free side-by-side compare

How We Rank

What The Index Measures

Success Rate

Share of UPI transactions that complete successfully. Higher is better — top banks sit above 98%.

Failure Rate

Share of payments declined on the bank's side — server load, downtime or technical declines.

Response Time

Average time, in milliseconds, a bank takes to process a request. Lower means fewer stuck payments.

Data Source

Built from NPCI's published bank-wise UPI performance statistics — directional, not a live status feed.

Performance Ranking

Top UPI Performers

Banks Ranked

98.8%

Top Success Rate

97.1%

Average Ranked Success

A-Grade Banks

Source: NPCI UPI Ecosystem Statistics · Data as of March 2026 · summary across ranked banks

Sort by

HDFC Bank Grade A+

98.8%

success

1.2%

failure

980ms

response

₹38,000 Cr

volume / mo

ICICI Bank Grade A+

98.7%

success

1.3%

failure

1,050ms

response

₹35,000 Cr

volume / mo

State Bank of India Grade A+

98.5%

success

1.5%

failure

1,200ms

response

₹45,000 Cr

volume / mo

Kotak Mahindra Bank Grade A

98.2%

success

1.8%

failure

1,100ms

response

₹12,000 Cr

volume / mo

IDFC First Bank Grade A

98.1%

success

1.9%

failure

1,150ms

response

₹3,500 Cr

volume / mo

Axis Bank Grade A

97.9%

success

2.1%

failure

1,400ms

response

₹18,000 Cr

volume / mo

Federal Bank Grade A

97.8%

success

2.2%

failure

1,300ms

response

₹4,500 Cr

volume / mo

IndusInd Bank Grade A

97.5%

success

2.5%

failure

1,500ms

response

₹5,000 Cr

volume / mo

AU Small Finance Bank Grade A

97.2%

success

2.8%

failure

1,500ms

response

₹2,000 Cr

volume / mo

Bank of Baroda Grade B+

97.1%

success

2.9%

failure

1,600ms

response

₹8,000 Cr

volume / mo

Punjab National Bank Grade B

96.8%

success

3.2%

failure

1,700ms

response

₹7,500 Cr

volume / mo

Equitas Small Finance Bank Grade B+

96.8%

success

3.2%

failure

1,600ms

response

₹1,200 Cr

volume / mo

Yes Bank Grade B+

96.5%

success

3.5%

failure

1,800ms

response

₹8,500 Cr

volume / mo

Bandhan Bank Grade B+

96.5%

success

3.5%

failure

1,800ms

response

₹2,800 Cr

volume / mo

Canara Bank Grade B

96.2%

success

3.8%

failure

1,900ms

response

₹6,000 Cr

volume / mo

Airtel Payments Bank Grade B+

96.0%

success

4.0%

failure

1,900ms

response

₹3,500 Cr

volume / mo

Union Bank of India Grade B

95.8%

success

4.2%

failure

2,100ms

response

₹5,500 Cr

volume / mo

Bank of Maharashtra Grade B

95.8%

success

4.2%

failure

2,000ms

response

₹3,200 Cr

volume / mo

Indian Bank Grade B

95.5%

success

4.5%

failure

2,200ms

response

₹4,500 Cr

volume / mo

Jio Payments Bank Grade B

95.5%

success

4.5%

failure

2,100ms

response

₹1,800 Cr

volume / mo

Methodology

How Reliability Grades Are Assigned

Each bank's grade is an indicative assessment based primarily on its UPI success rate, with failure rate and average response time used as supporting signals to separate banks with similar success rates. Grades are a guide to relative reliability, not a pass/fail verdict.

Grade A+ ≈ 98.5%+ Exceptional — typical UPI success rate in this range

Grade A ≈ 97–98.4% Strong — typical UPI success rate in this range

Grade B+ ≈ 96–97% Good — typical UPI success rate in this range

Grade B ≈ 95–96% Fair — typical UPI success rate in this range

Grade C ≈ 94–95% Weak — typical UPI success rate in this range

Grade D < 94% Poor — typical UPI success rate in this range

Bands are approximate and indicative, not strict cut-offs. Figures are compiled from NPCI UPI ecosystem statistics; the letter grades are IFSCTeam's editorial assessment and are not an official NPCI rating.

Comparison Tool

Compare Banks Side By Side

FAQ

UPI Reliability Questions

What does the Bank Reliability Index measure?

It ranks banks on three UPI performance signals sourced from NPCI's bank-wise statistics: the UPI success rate (share of transactions that complete), the failure rate (share declined on the bank's side), and the average response time in milliseconds. Together these reflect how dependable a bank's payment infrastructure is.

What counts as a good UPI success rate?

A success rate at or above 98% is excellent and typical of well-run major banks. Between 96% and 98% is acceptable; below 95% usually signals technical strain or frequent bank-side declines. NPCI separately tracks "technical decline" rates that banks are expected to keep low.

Why do UPI payments fail at some banks?

Most avoidable failures are bank-side technical declines — server downtime, capacity limits, or maintenance windows — rather than a problem with the UPI app you use. The reliability index isolates this bank-side dimension so you can compare institutions fairly.

What does the response time tell me?

Response time is the average time, in milliseconds, a bank takes to process a UPI request. Lower is better: faster banks confirm or decline payments quickly, which reduces stuck or "pending" transactions during high-traffic periods.

Does a high success rate guarantee my payment will go through?

No. The index reflects aggregate, historical reliability across many transactions. Any single payment can still fail because of your balance, limits, network, or the beneficiary bank. A high-ranked bank simply fails less often on average.

How current is this ranking data?

The rankings are built from NPCI's periodically published bank-wise UPI performance figures, not a live feed. Use them as a reliable directional comparison of banks rather than a real-time status check.

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