New Delhi: National Payments Corporation of India (NPCI) has announced new rules for UPI users, which will be applicable nationwide from 1 August 2025. These rules are being brought especially with the aim of increasing the capacity of UPI systems, reducing fraud and making digital payments more secure.
NPCI issued a circular in May 2025 directing all banks and third party apps to monitor API usage and set limits.
What will change from August 1st? Know the new rules
1. Balance checks allowed only 50 times a day
Now users will be able to check account balance only 50 times a day with any UPI app. On repeated balance checks, the load on the server increases, to control which this limit has been imposed. Showing account balance after successful payment will now be mandatory for all apps.
2. Only 25 times a day will see Linked Account
Whenever you login to an app, it takes information about all your linked bank accounts. It is now restricted to 25 times per day.
3. Will be able to check the status of failed transaction only 3 times
If a payment has failed, now only 3 times its status can be checked, and each time a gap of at least 90 seconds has to be kept.
4. AutoPay transactions will only take place in Non-Peak Hours
Now Autopay services like EMI, OTT, electricity bill can only be done before 10 am, between 1 and 5 pm and after 9:30 pm. Every mandate will get a chance to execute 1 time, and if failed will be able to retry a maximum of 3 times.
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5. Inactive UPI IDs will be closed from 12 months
If no UPI transaction occurred for 12 months with a mobile number, the UPI ID associated with that number would be automatically deactivated.
6. API Response Time now just 10 seconds
Earlier UPI apps took up to 30 seconds to get a response from the API. Now this time has been reduced to 10 seconds which will make transactions faster.
7. There will also be UPI payments from Credit Line (from August 31)
Now some banks and NBFCs will also provide UPI payment facility through credit line. It shall have a maximum daily transaction limit of ₹1,00,000 and an ATM withdrawal limit of ₹10,000.
8. Agregators will have to pay charges, common users will not be affected
Payment aggregators like GPay, PhonePe, Paytm now have to pay charges to banks. But UPI will be absolutely free for common consumers and shopkeepers.
What did the experts say?
Finance experts believe that these changes will strengthen UPI’s technical infrastructure and further improve the user experience. The special thing is that no additional duty has been imposed on common consumers.
These new rules of UPI, which will come into effect from 1 August 2025, will not only bring technological improvements, but will also make digital payments more secure and fast. This step of NPCI will further strengthen the credibility and trust of the UPI system.
