NPCI NFS-grade · IMPS Switch

The IMPS switch India's banks deserved ten years ago.

A horizontally scalable, graph-aware IMPS core that connects directly to the NPCI NFS switch, federates with UPI, NEFT, RTGS and RuPay, and embeds inline fraud decisioning on every transaction hop — without the latency penalty of bolted-on risk engines.

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Core Capabilities

Numbers that speak for themselves

Hyperbolt currently manages structured and unstructured data, including billions of records.

<0ms

p99 switch latency

0k +

TPS per cluster

0.0%

rail availability

0weeks

NPCI sandbox to prod

Market Landscape

The Indian IMPS switch market — at a glance

IMPS processed over 593 crore transactions worth ₹69+ lakh crore in 2024. Over 900 institutions participate. The rail has grown 2× in five years — yet most switch deployments still run on ISO 8583 appliances designed for a card-era world.

HyperBolt

Graph-aware, risk-native

IMPS + UPI + NEFT/RTGS interop · <30ms p99 · 25k TPS · inline fraud · ISO 8583 + XML API

Legacy Switch A

Card-era ISO 8583 appliance

On-prem, no cloud-native path · 150–300ms · external risk hop · T+1 recon

Legacy Switch B

PSU bank middleware stack

Batch reconciliation, JVM-based · Single-rail · GC pauses · vendor lock-in

DIY / Open-source

Self-built IMPS connector

Tightly coupled to one CBS · 12–24 mo build · zero RBI assurance

593 Cr

IMPS transactions in 2024

₹69 L Cr

Total value transacted in 2024

900+

Member banks & PPIs on IMPS

24×7

Availability mandate by NPCI

<0.01%

IMPS fraud rate (industry)

Customer proof

What the IMPS switch does

How it's built

What the IMPS switch does

IMPS Switch · Transaction Flow Engine

A modern IMPS switch serves as the technological backbone for financial institutions, managing all message flows between a bank or fintech (the s Issuer/Acquirer) and the NPCI central infrastructure. Its core functions include:

Receiving & Validating

Ingests and validates IMPS transactions

• Receives IMPS requests from mobile apps, ATM, and net banking
• Validates transactions against business rules
• Checks balances and limits via CBS integration
• Ensures request authenticity before processing

Message Transformation

Converts data to NPCI-compatible formats

• Transforms transactions into ISO 8583 format
• Ensures compliance with NPCI messaging standards
• Handles bidirectional transformation (request/response)
• Maintains message integrity across systems

Routing & State Management

Manages complete transaction lifecycle

• Controls flow from authorization to completion
• Implements exactly-once transaction state machine
• Prevents duplicate or inconsistent processing
• Maintains full lifecycle tracking for each transaction

Settlement & Reconciliation

Ensures accurate financial settlement

• Processes real-time NPCI settlement files
• Performs T+0 reconciliation automatically
• Confirms debit and credit accuracy
• Eliminates manual reconciliation errors

Security & Fraud Prevention

Real-time protection against fraud

• Applies inline risk scoring on transactions
• Detects suspicious and mule account activity
• Enforces strict security policies
• Protects transactions in real time without latency impact

Why HyperBolt UPI Switch

The first IMPS switch engineered for India's real-time rails and modern fraud challenges.

Most legacy systems are built on outdated payment architectures with bolt-on IMPS support and external risk engines. HyperBolt is IMPS-native, real-time, and designed for high-speed interbank transactions with built-in intelligence.

CAPABILITY

Typical India Fintech-tech

HyperBolt Imps SWITCH

Architecture

Event-driven IMPS switching with real-time processing pipeline

Designed for instant interbank routing with minimal latency

Transaction speed

End-to-end processing within 2–10 seconds

Optimized for near-instant debit and credit confirmation

Throughput

Handles high-volume concurrent IMPS transactions

Scales horizontally to support peak banking loads

Validation & checks

Performs account, balance, and format validation instantly

Ensures secure and accurate transaction processing

NPCI connectivity

Direct integration with IMPS network via NPCI switch

Reliable message exchange and routing across banks

Reconciliation

Supports real-time and end-of-day settlement tracking

Maintains accurate transaction logs and audit trails

Availability

24x7 operational with no downtime dependency

Supports transactions across weekends and holidays

Security

Multi-factor authentication and encrypted messaging

Protects against fraud and unauthorized access

Monitoring & tracking

Real-time transaction status and alerts

Enables quick issue resolution and transparency

Built for real-time IMPS load

Optimized for high-volume IMPS transactions with low-latency processing and consistent performance under peak banking traffic.

Inline transaction routing

Smart routing logic embedded within the switch ensures faster decision-making without external system dependencies.

Full transaction visibility

Every IMPS transaction is traceable with detailed logs, status tracking, and audit-ready records for transparency.

Secure & RBI compliant

Built with strong encryption, multi-factor authentication, and full compliance with RBI and data localisation guidelines.

High reliability & uptime

Designed for 24x7 availability with minimal downtime, ensuring uninterrupted IMPS transactions across all banks.

Seamless NPCI connectivity

Direct integration with NPCI ensures fast, reliable interbank communication and real-time transaction processing.

Get a demo built around the modules and hops you just clicked.

Add modules from the acquiring or issuing map, mark the hops you want to deep-dive on, and we'll bring a payments engineer with a session scoped to exactly that surface area.

Reach out us at

Sales and Services:

sales@auisy.com

Marketing & Promotions:

marketing@auisy.com

General Information:

info@auisy.com

Phone :

91-020-61096815

Project Management and Editorial Office

3rd Floor, Shreyas Eterna, Above Lopmudra Clinic, Homi Baba Road, Bavdhan, Pune 411021.