UPI DOWN CHAL RAHA HAI – 15 APRIL, 2025

Namaste Doston,

Main hoon Aman Mishra, aur aaj baat karne wale hain ek aise issue pe jiska impact aap sab ne recent time mein feel kiya hoga.

UPI down chal raha hai!

Haan haan, wahi UPI – PhonePe, Google Pay, Paytm – sab jagah log pareshaan the. Transaction atak rahe the, delivery wale saman dene se mana kar rahe the, auto waale ride chhod ke bhaag rahe the, aur hum sab soch rahe the – “Cash hi achha tha bhai!”

Ab samajhne wali baat ye hai ki UPI, yaani Unified Payments Interface, jisko NPCI (National Payments Corporation of India) chalata hai, woh ab khud struggle kar raha hai. 

NPCI ne India ke bahar tak expansion kiya hai, lekin ghar ke andar hi halat tight ho gayI.

Past 20 days mein lagbhag 3-4 baar UPI crash hua.

Kab?

26 March, 2 April, 12 April… aur pata chala log Twitter pe, Facebook pe chillane lage – “Mera paisa gaya kaha?”
Koi samosa nahi khila paaya, koi grocery nahi le paaya, aur kisi ne toh bola – “Mujhe cash chahiye, warna bartan dhona padega!”

Meme market bhi full on tha. Jokes, reels, aur throwback to “cash ke din” – sab kuch dekhne mila.

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Ab aate hain mudde pe – Ye sab ho kyun raha hai?

Simple sa logic hai:

Jab system par load zyada hota hai, aur capacity kam hoti hai, toh processor hang ho jaata hai.

Aapke laptop ko yaad karo –

Agar aap ek saath movie download karo, dusri upload karo, YouTube live karo aur video render bhi chalu ho… toh kya hota hai?

System crash!

Same cheez ho rahi hai NPCI ke servers ke sath. March-end aur April start mein NPCI pe suddenly massive traffic aaya, aur system handle nahi kar paaya.

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Toh traffic itna badha kyun?

Answer simple hai:

IPL!

22 March se IPL start hua. Har ball pe log betting apps khol rahe hain, paise daal rahe hain, nikaal rahe hain. Bahut saare apps, wallets aur payment gateways ek dum active ho gaye. Har second pe hazaron transaction ho rahe the. NPCI ready hi nahi tha itne load ke liye.

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UPI kaise kaam karta hai?

Ye ek digital bridge hai – Aapka bank, dusre ka bank, aur beech mein NPCI.

Jaise aap mujhe paisa bhejna chahte ho, mera account HDFC mein hai, aapka SBI mein, toh NPCI hi dono ko connect karta hai.

Wo check karta hai ki account exist karta hai, balance hai ya nahi, aur tab transaction complete karta hai.

Lekin jab ekdum se crore transactions hone lage, toh ye bridge weak pad gaya.

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NPCI ki history kya hai?

• 2008 mein banaya gaya tha, RBI aur Indian Banks Association ne milke shuru kiya.
• Ye ek non-profit public sector company hai.
• Sab banks ko digitally ek system mein jodne ke liye ye step liya gaya.
• UPI, RuPay, IMPS – sab NPCI ke under hi aate hain.

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Ab problem kya hai?

• Bahut saara data, bahut saare transactions, aur sab kuch instant chahiye.
• Sab data cloud pe stored hai – real-time access hona chahiye.
• But jab IPL jaisi events ke time suddenly crore log login karein, transactions karein, toh system overload ho gaya.
• Server choked!
  Jaise aapka mobile hang karta hai – waise hi NPCI ka system hang ho gaya.

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Toh ab kya karna chahiye?

1. Infrastructure upgrade – NPCI ko servers aur processing power aur strong banani padegi.
2. Load Testing – high-traffic events ke liye pehle se testing honi chahiye.
3. Backup options – agar ek server down ho, toh second pick kar le instantly.

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Conclusion:

Digital India tabhi powerful hoga jab system powerful hoga. UPI ek amazing system hai, lekin ab usko IPL-level load jhelne ke liye upgrade karna padega. Cash se digital jaane mein toh maza hai, lekin jab digital atak jaaye – tab purane din yaad aate hain.

Bas itna hi – Bohot Simple Hai.