UPI Transaction in India: According to a recent note by the International Monetary Fund (IMF) titled “Growing Retail Digital Payments: The Value of Interoperability,” India has emerged as the global leader in fast payments, largely driven by the success of the Unified Payments Interface (UPI). Launched in 2016 by the National Payments Corporation of India (NPCI), the UPI has changed how people send and receive money in the country.
UPI Transaction New Rules, UPI New Rules 2025
Beginning August 1, 2025, a new set of UPI rules will come into effect. These new rules will further enhance system performance and reduce fraud risks across the country.
In a circular issued on May 21, 2025, NPCI said: “PSP banks and/or acquiring banks shall ensure all the API requests (in terms of velocity and TPS – transactions per second limitations) sent to UPI is monitored and moderated in terms of appropriate usage (customer-initiated and PSP system-initiated).”
UPI New Rules from August 1
With the objective of improving the performance of UPI, following changes will be implemented starting August 1:
UPI Balance Enquiry
Customers will be allowed to check their account balance through UPI apps up to a maximum of 50 times per app per day. This means each UPI app can be used up to 50 times in 24 hours for balance check.
UPI Transaction Status
This allows an user to request for the status of the transaction. Under the new rules, the user may initiate the transaction status after 45 to 60 seconds of the initiation/authentication of original transaction.
Autopay Mandate Execution
The users can execute UPI Autopay mandates such as electricity bills, water bills, OTT subscriptions, etc., only during non-peak hours. “Peak hours are defined as the period during the day when UPI financial transactions reach the highest transactions per second, observed from 10:00 hours to 13:00 hours and from 17:00 hours to 21:30 hours. Any other time shall be referred as non-peak hour. During peak hours, UPI members are required to restrict non-customer-initiated APIs,” the NPCI said.
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List Account
It allows users to find the link of accounts linked to their mobile by a particular account provider. Now, the customers can view their bank accounts only 25 times per app in 24 hours.
