Technically based off the same network as ATMs by IDRBT, https://en.m.wikipedia.org/wiki/Institute_for_Development_and_Research_in_Banking_Technology https://en

Technically based off the same network as ATMs by IDRBT, https://en.m.wikipedia.org/wiki/Institute_for_Development_and_Research_in_Banking_Technology https://en.m.wikipedia.org/wiki/Institute_for_Development_an... Unified Payments Interface is built on top of IMPS, with the key architectural work done by the Mobile Payments Forum of India, IIT Madras and IDRBT It is managed by the National Payments Corporation of India (NPCI) and is built upon the existing National Financial Switch network.