The National Payments Corporation of India is developing agentic AI workflows to accelerate UPI compliance certification for its 703 member banks. Banks currently require four to eight weeks to certify against new UPI operating circulars. NPCI aims to compress that timeline to one week or ten days through automated agent-to-agent interactions.
Under the proposed architecture, banks would build their own client agents that communicate with NPCI's remote agent over secure protocols. The client agent formulates compliance tasks, while the remote agent executes them. Human oversight would be retained for final authorization, testing, and certification.
The initiative is part of NPCI's broader AI strategy for India's payments sector. NPCI launched FiMI, a domain-specific language model for the payments sector, in February 2026. Development of the agentic compliance framework remains in early stages, with tangible benefits estimated to be more than a year away.