This study dives into the natural convection (NC) of a Herschel–Bulkley fluid (HBF) that contains nano-encapsulated phase change materials (NEPCMs) within a cavity featuring three vertically heated indented plates. To carry out the analysis, we use a numerically stable cascaded lattice Boltzmann method (CLBM) based on central moments, which is enhanced by GPU computing. The indented plates are kept at a heated temperature, \(T_h\) , while the left and right walls of the cavity are maintained at a cooler temperature, \(T_c\) . The NEPCM nanoparticles have a core–shell structure, with the phase change material (PCM) concentrated closer to the core. This research aims to explore heat transfer mechanisms, phase change behavior, and the overall thermal performance. We take into account several key parameters, including the Bingham number ( \(0 \le \text {Bn} \le 1\) ), power-law index ( \(n=0.85\) ), volume fraction ( \(\phi = 0.04\) ), Prandtl number ( \(\text {Pr}=16.6\) ), fusion temperature ( \(0.2 \le \theta _f \le 0.8\) ), Rayleigh number ( \(10^4 \le \text {Ra} \le 10^6\) ), and Stefan number ( \(0.2 \le \text {Ste} \le 0.8\) ). Our results show that as Ra and fusion temperatures ( \(\theta _{f}=0.2\) , 0.6, 0.8) increase, the streamline patterns near the heated walls expand, while their intensity decreases near the cold walls. For \(\text {Ra}=10^6\) and \(0.2\le \text {Ste} \le 0.8\) , the isothermal lines flatten out uniformly, which enhances heat transfer. With a constant \(\text {Bn}\) , an increase in \(\text {Ra}\) has a significant impact on heat capacity. The peak average Nusselt number ( \(\overline{Nu}\) ) improves by 72.30% at the highest \(\text {Ra}\) and lowest \(\text {Bn}\) . We also developed a mathematical correlation for \(\overline{Nu}\) , which demonstrates excellent predictive accuracy.