BFSI Benchmark

📊 KPIs to Monitor

KPI	Target
API latency (95th percentile)	< 250ms
Kafka consumer lag	< 100 msgs
Average loan TAT	< 2 hours
Uptime per service	≥ 99.95%
Pod autoscale trigger latency	< 30 seconds
Error rate (5xx)	< 1%

✅ Peak Concurrency Benchmarks

Channel / System	Baseline Concurrency Benchmark
Internet Banking	20,000 – 50,000 concurrent sessions
Mobile Banking	30,000 – 100,000 concurrent users
UPI/Payments Gateway	>1,000–5,000 TPS (real-time transactions)
Loan Origination	500 – 2,000 concurrent applications
KYC/API Gateway	5,000 – 15,000 requests/sec
Fraud Detection	Must process 100% of real-time events with <500ms latency

✅ TPS (Transactions Per Second)

Layer	Recommended TPS Handling (per microservice group)
API Gateway	10,000+ TPS per replica (Azure API Mgmt Standard)
Backend Microservices	500 – 2,000 TPS collectively across replicas
Kafka	Millions of events/day; tuned to 5,000+ events/sec
DB Layer (Azure SQL)	~5,000 DTUs per instance (use elastic pools)

Best Practice: Each stateless microservice pod should be able to handle 50–100 TPS under load, with ~200–300ms response time.

✅ Latency Benchmarks (95th percentile)

API Type	Target Latency
Internal APIs	< 200ms
Customer-Facing APIs	< 300ms
Real-time payments (UPI, IMPS)	< 100ms
Loan Status Checks	< 500ms

✅ Cluster Sizing Benchmarks (AKS or EKS)

User Base Size	Nodes Recommended (baseline)
< 1 Million users	6–10 AKS nodes
1–5 Million users	10–20 AKS nodes
5M+ or real-time UPI	20–50 nodes (with autoscaler)
Tier-1 bank at scale	50–200+ nodes across clusters

Banks usually deploy across multiple AKS clusters per region with zone-aware HA, and autoscaling on Kafka + API pods.

✅ Resilience & Compliance Benchmarks

Non-Functional KPI	Industry Baseline
Availability SLA	≥ 99.95% (tier 1), 99.9% min
RTO / RPO	< 5 minutes (critical apps)
Security compliance	ISO 27001, PCI DSS, RBI-MSP
Data residency	Must comply with local regulations (e.g., India RBI for cloud)

🔍 Sources of These Benchmarks

• RBI IT Framework for Banks (India)

• PCI DSS for payment processing

• BCBS 239 for risk and data aggregation

• Azure and AWS BFSI case studies (ICICI, SBI, Axis, Barclays, etc.)

• Industry implementations by vendors like Infosys Finacle, Temenos, TCS BaNCS

✅ Summary — Enterprise Benchmark Target

Metric	Baseline
Concurrent Users	50,000+
System TPS	2,000 – 5,000 TPS (core API)
Microservice TPS/Pod	50 – 100 TPS
API Response Time	< 300ms
Cluster Size	10 – 50 AKS nodes
Uptime SLA	≥ 99.95%