Starting August 1, 2025, the National Payments Corporation of India (NPCI) will roll out new UPI rules aimed at improving efficiency and reducing server load on popular UPI apps like Google Pay, PhonePe, and Paytm.
These updates will significantly change how users interact with UPI, especially regarding balance checks, AutoPay schedules, and transaction status updates.
In this article, we break down the key changes in the new UPI rules from August 1 and what they mean for you.
1. Daily Limit on Bank Balance Checks
Under the new UPI rules from August 1, you can now check your bank account balance a maximum of 50 times per day per UPI app. While most users won't hit this limit, it's important to avoid unnecessary balance checks to stay within the daily quota.
2. AutoPay Will Run on Fixed Timed Slots
Recurring payments set up through UPI AutoPay will now be processed during specific time slots:
- Before 10 AM
- Between 1 PM and 5 PM
- After 9:30 PM
AutoPay will not function during peak hours (10 AM - 1 PM and 5 PM - 9:30 PM). If you have recurring payments, ensure they align with these slots to avoid delays.
3. Limited Access to Linked Bank Account Details
The new rules will also limit the number of times you can view linked bank accounts. You can now check this information only 25 times per day per app.
4. Restrictions on Failed Transaction Status Checks
When a UPI transaction is pending, you can only check its status three times, and you must wait at least 90 seconds between each retry. This change aims to reduce server overload caused by repeated status checks.
5. Recipient Name Verification Before Payment
As part of the new UPI rules effective August 1, UPI apps will display the recipient's registered bank name before the transaction is completed. This step will help users avoid sending money to the wrong account.
What These Changes Mean for You
- Manage your balance checks carefully "“ The 50-check limit is generous but avoid excessive checks.
- Plan AutoPay transactions "“ Set up your recurring payments to align with the new time windows.
- Be patient with failed transactions "“ Follow the retry limits to prevent additional issues.
- Double-check recipient details "“ Verify the displayed bank name before authorizing the payment.
Additional Details About the New UPI Rules
- The standard daily UPI transaction limit of ₹1 lakh remains unchanged for most transactions.
- There are no charges for personal transactions. Merchants accepting payments through Prepaid Payment Instruments (PPIs) may incur an interchange fee on transactions above ₹2,000, but small merchants are exempt.
- These new guidelines will be automatically implemented by all UPI apps from August 1.
Why Are These New UPI Rules Being Introduced?
The NPCI's aim with these new UPI rules from August 1 is to streamline operations, reduce server congestion, and enhance the overall user experience for India's growing digital payment ecosystem.
Final Thoughts
The new UPI rules effective from August 1, 2025 will change some of the ways you use popular UPI apps. While these updates may require slight adjustments in your habits, they are designed to make digital transactions smoother and safer for everyone.
Stay informed and plan your transactions accordingly to make the most of these changes.
