NPCI has rolled out revised UPI operational rules
Kartavya Desk Staff
Source: NDTV
Context: The National Payments Corporation of India (NPCI) has rolled out revised UPI operational rules from August 1, 2025, aimed at reducing transaction lags and system overloads during peak hours.
About NPCI has rolled out revised UPI operational rules:
• What it is? Unified Payments Interface (UPI) is India’s flagship digital payment platform facilitating seamless peer-to-peer and peer-to-merchant transfers.
• Unified Payments Interface (UPI) is India’s flagship digital payment platform facilitating seamless peer-to-peer and peer-to-merchant transfers.
• Effective From: The new regulations take effect from August 1, 2025, across all UPI apps including PhonePe, Google Pay, and Paytm.
• Aim: To ensure faster processing, prevent fraud, and balance system load by optimizing user behaviour during peak hours.
• Key New UPI Rules:
• Balance Check Limit: Users can check balance up to 50 times per day per app; advised to avoid during peak hours. Auto-Pay Restriction: Auto-debit mandates will now be executed only during non-peak hours: before 10 AM, 1–5 PM, or after 9:30 PM. Transaction Status Check: Limited to 3 status checks per transaction with a minimum 90-second gap between each attempt. Linked Account Enquiries: Capped at 25 account-checks per day per app to curb unnecessary server load. Beneficiary Name Preview: The registered bank name of recipient will appear before final confirmation to reduce errors and fraud.
• Balance Check Limit: Users can check balance up to 50 times per day per app; advised to avoid during peak hours.
• Auto-Pay Restriction: Auto-debit mandates will now be executed only during non-peak hours: before 10 AM, 1–5 PM, or after 9:30 PM.
• Transaction Status Check: Limited to 3 status checks per transaction with a minimum 90-second gap between each attempt.
• Linked Account Enquiries: Capped at 25 account-checks per day per app to curb unnecessary server load.
• Beneficiary Name Preview: The registered bank name of recipient will appear before final confirmation to reduce errors and fraud.