There will be no impact on Fastag customers

NHAI has clarified that the purpose of the new circular is to resolve the dispute between banks regarding the Fastag status when the vehicle passes through the toll plaza. The new circular also ensures that Fastag transactions are done on time, so that people do not face any problems. NPCI says that the new Fastag rules will improve real-time payment.

Earlier it was claimed that 70 minutes will be given.

Earlier it was reported that if the FASTag is blacklisted on reaching a toll, then the user will have to pay double the toll. But if the user recharges his FASTag within 10 minutes of the FASTag being scanned, then the fine will be waived. After getting a low-balance alert, the user will be given a grace period of 70 minutes to recharge his FASTag, so that he can avoid the fine before reaching the toll booth.

#NHAI has issued a clarification regarding the recent #FASTag rule change.
Click here to read more: https://t.co/ryoErTIIAH pic.twitter.com/mxODMeb8Uw

— NHAI (@NHAI_Official) February 19, 2025

Advice to customers for auto payment

NHAI has advised people to set auto recharge by linking UPI and bank account to Fastag wallet, so that people do not have to recharge manually again and again. If customers want, they can recharge Fastag in many ways. This includes UPI and netbanking payment system.

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Developed by the National Payment Corporation of India (NPCI), UPI facilitates transactions without the need for IFS code, it only requires a UPI ID.

HDFC Bank has announced that its UPI services will be unavailable for three hours due to system maintenance. This downtime is scheduled from midnight to 3:00 am on February 8, 2025. During this time customers will not be able to make financial or non-financial transactions using HDFC Bank current and savings accounts or RuPay credit cards.

Impact on customers

This temporary suspension will affect millions of users who rely on UPI for daily transactions. The bank has advised customers to plan their payments accordingly to avoid inconvenience during the maintenance time. It is important for users to be aware of this downtime to manage their finances effectively.

UPI has become an integral part of India’s digital payments landscape, with crores of people using it regularly. Its popularity comes from the ease and speed of transferring funds without the traditional banking hassles. However, such scheduled maintenance ensures that the system remains efficient and secure.

Understanding the Role of UPI

The importance of UPI in everyday transactions cannot be underestimated. It has revolutionised the way people send and receive money, making cashless payments a reality across the country. As digital payments grow, it is imperative to maintain a robust infrastructure for seamless operations.

While such disruptions are rare, they highlight the importance of regular updates and maintenance to keep digital platforms running smoothly. Users are encouraged to stay informed of any future service disruptions through official bank communications.

HDFC Bank’s proactive approach in informing customers ahead of time reflects its strong commitment to transparency and customer service. By understanding these scheduled downtimes, users can better prepare and adjust their financial activities.

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• Toll Passes: Annual And Lifetime Toll Passes For Use On National Highways – Check Cost & benefits

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You can also use this-

Now this service is also going to be available for foreign delegates coming to the World Heritage Committee meeting to be held in New Delhi. This meeting is going to be held between 21 and 31 July. It was first started during the last G20 summit.

​Launch of UPI One World Wallet-

Some changes have been made in the UPI One World wallet and its reach has increased to many countries. With the help of this digital payment, it is going to be easy to make real-time payments and seamless payments. Along with this, travelers can also travel abroad easily.

Also Read: Budget 2024: Government will give 15 thousand in EPFO ​​account, know how ?

Where can you use it from?

This wallet is available at airports, hotels, money exchange locations and other places. Remember that if a foreign traveler wants to use it, he will have to get KYC process done with the help of a valid visa and passport.

How can you add payment?

Now let’s talk about how payment can be added. You can also use cash to add payment. Along with this, many other payment methods are also being provided. But this facility is going to be available only for foreign travelers.

Refundable Balance-

If any balance is left, it will be refunded. Foreign exchange regulation will be used for this. That means you can get its benefit only under the exchange rate.

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If you have submitted the updated Bank Locker Agreement on or before December 31, 2022, you may need to sign and submit the updated Bank Locker Agreement once again. RBI has fixed December 31, 2023 as the last date for sequential implementation of the revised locker agreement.

UPI ID

NPCI (National Payment Corporation of India) issued a circular asking third party app providers and payment service providers to deactivate such UPI IDs, which have not done any transaction with their ID for a year. The UPI ID of such inactive customers will be deactivated by December 31. However, it has also been said by NPCI that such inactive accounts can be restarted but for this it is necessary to make at least one transaction. NPCI is a government organization that looks after the retail payment and settlement system in the country. NPCI regulates the UPI payment system.

mutual funds

If you invest in mutual funds and have not yet made a nominee, then you should complete this work before December 31, 2023, otherwise the mutual fund account will be frozen and you will not be able to redeem the investment. It is important for demat account holders to do this also. Despite having the facility to make a nominee, many people do not consider it so important and ignore it. Whereas it is very important to have a nominee to protect the family after you. Therefore, the deadline for this has been fixed as 31st December.

Aadhar card

If you want to update your Aadhar card, you can get it done by 14th December. During this period, you will not have to pay any fees etc. for Aadhaar update. After this you will have to pay the charge. If you update offline, you will still have to pay the charge for it. Let us tell you that the government has said that if you also have a 10 year old Aadhaar card, then you should get your Aadhaar updated.

SBI Amrit Kalash Scheme

If you want to take advantage of SBI’s special FD scheme Amrit Kalash, then you will have to invest in it by 31st December. In this special scheme which matures in 400 days, interest is being given at the rate of 7.10 percent. The deadline for this scheme has been fixed as 31st December.

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For this, only the mobile number of the beneficiary and the name registered in the bank will be required. This feature will be coming soon. In the present system, to send money through IMPS, registration has to be done by entering the name of the beneficiary, his bank account number and IFSC code of the bank.

This process of registration also takes some time. The amount cannot be sent until the beneficiary details are linked to the other account. Once the account is linked, the beneficiary receives the money through IMPS immediately. After the implementation of the new rule, the process of adding account details will not have to be completed.

Will be able to verify the beneficiary

It is being told that the new service of IMPS will also provide the facility to verify the beneficiary. With this, the sender of money will be able to see whether the account number of the person to whom he is sending the money is correct or not. The new feature will help the sender to double check the name entered in the bank details.

There will be expansion in these areas

NPCI said this new arrangement will be extended to corporates with wholesale and retail transactions. Its upper limit will vary from bank to bank depending on their policies.

Two ways to send money right now

– In the first method, to send money one has to use the bank account number, bank name and IFSC code of the bank. Using these, the beneficiary’s account has to be linked to one’s own account.
– The second method involves using mobile number and Mobile Money Identifier (MMID) to identify the beneficiary while sending money from one bank account to another. MMID is a seven digit number which the bank issues to its customer.

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All companies like Google Pay (GPay), Phone Pay (PhonePe), Amazon Pay (Amazon Pay) and Paytm (Paytm) have fixed the limit for doing transactions every day, which will affect crores of UPI users in the country. Information has been given by issuing a notification in this regard from NPCI.

Check how much transaction can be done every day?

According to the guidelines of the National Payment Corporation of India, now you can transact only up to Rs 1 lakh per day through UPI. At the same time, some small banks have fixed this limit up to 25,000. Let’s check now through which app how much transaction you can do every day.

What is the limit of Amazon Pay?

Amazon Pay has fixed the maximum limit for payment through UPI at Rs 1,00,000. After registering on Amazon Pay UPI, the user can transact only up to Rs 5000 in the first 24 hours. At the same time, on the basis of the bank, the number of transactions has been fixed at 20 every day.

Paytm also fixed the limit

Paytm UPI has fixed a limit of up to Rs 1 lakh for the users. Along with this, Paytm has also transferred the limit per hour. Paytm has told that now you can do only Rs 20,000 transactions every hour. Apart from this, 5 transactions can be done per hour and only 20 transactions can be done in a day.

What is the limit of PhonePe?

PhonePe has set a daily UPI transaction limit of Rs 1,00,000. In addition, a person can do a maximum of 10 or 20 transactions per day through PhonePe UPI, depending on the bank’s guidelines.

Only 10 transactions can be done with Google Pay

Google Pay or GPay has set a total limit of 10 transactions across all UPI apps and bank accounts. Users will be able to do only 10 transactions in a day. With this, you will be able to do transactions up to one lakh rupees per day.

There is no fixed hourly limit in these apps.

Let us tell you that no hourly limit has been fixed on Google Pay and Phone Pay. However, if any person sends you money request of more than Rs 2000 through this app, then the app will halt it.

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For which Aadhaar based UPI payment service has been allowed. After the relaxation from RBI and NPCI, PhonePe has started a new Aadhaar based OTP service, through which UPI can be activated.

PhonePe becomes the first Aadhaar based UPI

PhonePe claims that it is the world’s first platform with Aadhaar based UPI service. The company claims that after the Aadhaar based UPI service, the number of new users making online payments will increase. Let us tell you that till now Debit card was required to use UPI service. But after Aadhaar based authentication, the hassle of Debit card will be over.

It is worth noting that a large population of the country does not have a debit card, who are not able to use the UPI service. Aadhaar based UPI service can prove to be very beneficial for such people.

How customers will benefit

In the current model of UPI, a Debit Card is required for the UPI PIN during the UPI registration process for each and every user. But as it is known that there are a large number of bank account holders who do not have debit cards. For these, Aadhaar based e-KYC can be done through the new service of PhonePe.

For this, you have to enter the 6 digit number of Aadhaar on the PhonePe App. After this you will receive OTP from UIDAI. After this your bank will complete the authentication process. After this, users will be able to do all the services of UPI payment such as payment check and bank balance check.

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There has been a straight 85% increase in the number of transactions in one year. There has also been a significant increase in the value of transactions. With the increase in the acceptance of digital payments, you must also be making UPI payments. Do you know that your bank puts a limit on the transaction on you? You can pay with UPI only up to a limit. Let’s understand it.

Every bank keeps a daily limit for UPI transactions. That is, you can send or receive money only up to a certain amount in a day. Not only this, different banks keep their different charges on how much money can be UPI at a time.

Limit on UPI Transactions of SBI, ICICI, HDFC Bank

SBI UPI Transaction Limit

In SBI’s UPI transaction limit, a limit of Rs 5,000 has been kept for new users for 24 hours. In this, the UPI transaction limit is Rs 1 lakh. At the same time, the daily limit is also up to Rs 1 lakh.

ICICI Bank UPI Transaction Limit

ICICI Bank has kept the transaction limit of UPI for its users at Rs 10,000. Daily limit is also Rs 10,000 per user. However, if you are paying through the Google Pay app, then this limit will increase to Rs 25,000 for you.

HDFC Bank UPI Transaction Limit

HDFC customers can authorize transactions up to Rs 1 lakh or up to 10 transactions in a day. Note here that the limit of 10 transactions is only on fund transfer. If you make any bill payments or do merchant transactions, these will not be counted in it.

There is a limit of Rs 5 lakh per transaction on IPO application through UPI.

New customers or new UPI users who have changed their device/SIM card/mobile number can only transact up to Rs.5,000 in the first 24 hours. For iPhone users, this limit is 72 hours.

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UPI, an instant payment system developed by the National Payment Corporation of India (NPCI), has become the most popular medium of online payment. On a daily basis, more than 20 crore transactions are done from it, whose value is in thousands of crores. UPI uses IMPS infrastructure and within seconds, money is transferred from one account to another. This means of payment is completely free, so it is also so popular. Did you know that there is a limit for UPI transactions as well?

BHIM UPI limit is Rs 1 lakh

As we know, with the help of UPI, transactions can be done 24 hours a day. According to the information available on the NPCI website, a maximum amount of Rs 2 lakh can be transacted through UPI at a time. If a user transfers with the help of BHIM UPI, then he can transfer a maximum of Rs 1 lakh in one transaction. According to the information available on the NPCI website, the limit for one day from a bank account is only Rs 1 lakh.

There are mainly three types of limits

NPCI has given the freedom to all the banks to decide its limit according to their convenience. This limit may be different for different banks. There are mainly three types of limit regarding UPI Payment. The first limit is the maximum transaction value in a day. The second limit is the maximum number of transactions in a single time and the third limit is the maximum number of transactions in a day.

Up to 10 fund transfers can be made

According to the information available on the HDFC Bank website, with the help of HDFC Bank UPI, a maximum of 10 fund transfers can be done in a day. The value of the total transaction cannot exceed Rs 1 lakh. For new users, the limit for the first 24 hours is Rs 5000.

Which bank has the limit?

State Bank of India customers can do a maximum transaction of Rs 1 lakh in a day with the help of UPI. Similarly, for Bank of Baroda this limit is Rs 1 lakh, for Punjab National Bank this limit is Rs 1 lakh, for Axis Bank Rs 1 lakh and for ICICI Bank also Rs 1 lakh. ICICI Bank customers can do a maximum of 10 transactions in 24 hours. For Google Pay users, the bank has fixed a limit of 25 thousand.

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You will also get discount on movie tickets, reward points are available on every transaction done with the card. Apart from this, the customer also gets the facility of complimentary domestic airport and railway lounge. There will be no fuel surcharge on this and discounts will also be available on movie tickets. Personal accident insurance is also available on ICICI RuPay Credit Card. Apart from this, exclusive accidental insurance of Rs 2 lakh is available on RuPay card.

NPCI An indigenous card payment network

ICICI Bank’s credit card head Sudipta Roy while launching this card said that we have always given priority to the convenience of the customers. NPCI is an indigenous card payment network. Talking about the facilities available on Coral RuPay Credit Card, apart from fuel, you will get 2 reward points for every 100 rupees spent.

One reward will be given for every Rs 100 spent in the utility and insurance categories of maximum 10 thousand reward points annually. 2000 bonus reward points will be given if a transaction of 2 lakhs is done annually with the card. After that you will get 1000 bonus reward points for every lakh spent. Only a maximum of 10 thousand reward points will be available annually. Apart from this, lounge facility will be available at the domestic airport and selected railway station in complimentary benefit.

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