[sseth]

There are redundancies build into the NPCI system. There is more than one data center, etc.

[captn3m0]

Multiple DCs do not resolve the single-entity issue. Connectivity failures are not the only kind of failures that can happen.

The equivalent for US would be for VISA to have a marketshare of 90% and MasterCard around.

RBI floated a paper recently trying to setup a alternative body to fix this, but this might take ages.