UPI New Rule: National Payments Corporation of India (NPCI) is going to implement new rules from August 1, 2025. The purpose of these rules is to make the UPI system faster, safer and more reliable than before.
UPI New Rule: If you also avoid keeping cash and use UPI (Unified Payments Interface) facility every day, then this news is important for you. Actually, National Payments Corporation of India (NPCI) is going to implement new rules related to UPI payments from August 1, 2025.
The purpose of these rules is to make the UPI system faster, safer and more reliable than before. Let us tell you about these rules in detail….
New UPI rules will be implemented from August 1 (New UPI rules from 1st August)
1. Limit to check balance
Now UPI users will be able to check their account balance only 50 times on the app in a day. This limit has been imposed to control the traffic of the UPI system and prevent the system from slowing down.
2. Linked account information
Now you will be able to check the information about which bank account your mobile number is linked to only 25 times a day.
3. Time slot fixed for auto pay payment
Now subscription-based auto debit (like Netflix or SIP etc.) through UPI will be processed only during non-peak times. That is, before 10 am, between 1 pm to 5 pm and after 9:30 pm.
4. Limit on checking UPI transaction status
If a payment is stuck, now you will be able to check its status only three times and there will be a gap of at least 90 seconds between checking each time.
The purpose of these new rules is to reduce the load on the UPI server and prevent problems like frequent outages.
Major changes in the last 6 months
1. Reduction in API time limit for better speed
In June 2025, NPCI reduced the response time for UPI API’s Request-Pay and Response-Pay to 15 seconds and 10 seconds for transaction status check and failed transaction reversal. This increased the speed of transactions.
2. Beneficiary’s name will be visible before payment
From June 30, 2025, before making every UPI payment, you will now see the beneficiary’s name registered in the bank. This change is expected to reduce fraudulent transactions drastically.
3. Chargeback limit fixed
NPCI has fixed the limit for UPI chargeback in December 2024. A consumer can claim chargeback up to 10 times in 30 days and up to 5 times with the same person or institution.
Why were these changes needed?
There are about 16 billion transactions on UPI every month. Due to high load on the system, there have been frequent complaints of outages in April and May, which affected a large number of users. NPCI believes that most of the problems are caused by more calls on the UPI API. Such as checking balance every 2 minutes or refreshing the same transaction repeatedly. These new rules will help reduce calls, which will make the system work even faster and smoother.
Most Read Articles:
- Indian Passport Holders: Good news! These 6 countries offering Visa free entry to Indians, check countries list here
- Visa Free Travel: With this country’s visa, you will be able to visit in these 10 countries without any additional visa, check country names
- Credit Card Link UPI: Link your credit card to UPI from home, know step-by-step guide
