Enterprise Risk Management

NPCI is committed to be established as an institution that ensures risk management as one of its core capabilities and as an integral part of all of its business and support functions and culture.


NPCI has developed an Enterprise Risk Management (ERM) Framework that assists NPCI in achieving its strategic objectives by bringing - a systematic approach for identifying, analysing/ evaluating, mitigating, monitoring and reporting risk and control.

The ERM processes enables proactive decision making ensuring continuous improvement in NPCI’s performance as an organization, since it combines opportunity and risk management through proper compliance, governance and financial reporting.

  • NPCI’s Enterprise Risk Management framework aims to enhance confidence of the promoter and member banks; regulators and other stakeholders that NPCI’s risk management systems will support to provide secure, safe, reliable and cost effective payment systems.
  • ERM framework through systematic assessment of all relevant risks, using qualitative and quantitative methods will support utilization of infrastructure at optimum level through effective internal controls and process improvement.