UPI Payment without PIN: If you frequently forget your UPI PIN, then there is no need to worry anymore. National Payments Corporation of India (NPCI) has introduced a new method of making payments. You will not need to enter the PIN to use this method.

Actually, National Payments Corporation of India (NPCI) introduced biometric verification for UPI payments at the Global Fintech Fest 2025 in Mumbai. After this facility is rolled out across the country, there will be no need to enter the PIN to make payments. Now users will be able to make payments just with fingerprint or face recognition. This feature is being implemented from today.

How will payments be made?

Until now, payments using UPI required entering a 4- or 6-digit secret code. However, now payments can be made using just your phone’s camera or fingerprint scanner. According to a Reuters report, this change will be made using biometric data stored in the country’s Aadhaar system. This means that when making payments, you’ll only need to authenticate with your fingerprint or facial recognition.

UPI Payments Will Be Faster

This feature will be a boon for those who struggle with remembering their PINs. The elderly, in particular, will benefit the most. According to sources, this feature will initially be available to select banks, and then gradually all users will be able to use it. In Digital India, everything depends on time. Therefore, this feature will save users a significant amount of time when making UPI payments.

Digital payments are projected to grow by 35 percent in fiscal year 2024-25, driven largely by women and consumers in smaller cities. “How Urban India Pays 2025,” a report by Kearney India and Amazon Pay, states that 89 percent of women prefer digital payment methods for online purchases, having previously relied primarily on cash.

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This will have the advantage that you will not send money to the wrong person and fraud will also be reduced. With this, no one will be able to cheat you by showing a fake name and the chances of accidentally sending money to the wrong account will also be reduced.

UPI New Rule: NowUPI Payment It will become even safer. The National Payments Corporation of India (NPCI) has made a new rule that from June 30, 2025, whenever you send money to someone through UPI, the same name of that person will appear which is registered in his bank account. This will be beneficial that you will not send money to the wrong person and fraud will also be reduced. Now before making payment, you will be able to confirm by looking at the name of the right person. This change has been made to make UPI more secure and transparent. Let us tell you about the whole news in detail.

UPI New Rule: Now the real name will be visible

Now sending money through UPI has become safer than before. Earlier, when you used to send money to someone, the app would only show the nickname, short name or the name saved in the phone. This often led to misunderstandings and people would get deceived and send money to the wrong person. Now the new rule is that when you send money to someone through UPI, the name that is registered in his bank will be displayed – that is, the real and correct name. This will prevent anyone from cheating you by showing a fake name and the chances of accidentally sending money to the wrong account will also be reduced.

To ensure that your UPI account is not closed, you should keep a few simple things in mind:

Keep your mobile number updated – Your mobile number should be same in the bank and UPI app.

Look carefully at the messages coming in the UPI app – if any permission (consent) is asked, accept it on time.

Do not ignore bank or app notifications – pay attention to UPI related information.

By doing so, your UPI account will remain active and you will be able to send and receive money without any interruption.

-As per the new rules of NPCI, some important things have been implemented to maintain security and correct information related to UPI:

-Banks and UPI apps will have to update mobile number information every week – this will help in knowing if a mobile number has been given to someone else or not. This will prevent the old user’s information from accidentally going to the new user.

-User approval will be required before adding or changing UPI number – Now no option will be pre-ticked in the app, user will have to click “yes” himself.

– Messages sent for consent must be clear and direct – no one can be coerced or tricked into saying “yes.”

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NPCI’s new guideline also includes complimentary access. After NPCI’s rule, spending of more than Rs 5 lakh will be allowed. These new rules will be effective from January 1, 2025.

NPCI issued a circular and gave information

National Payments Corporation of India said in a circular, “RuPay has set up an exclusive lounge at the T3 departure terminal of Indira Gandhi International Airport. This is RuPay’s first exclusive lounge at Boarding Pier 11, T3D near Boarding Gate No. 41… RuPay Exclusive Lounge offers food, drinks and entertainment, which makes it different from other lounges at T3 departure of IGI Airport. RuPay Exclusive Lounge promises a pleasant stay, great menu and first of its kind entertainment experience to its customers…”

These card holders will get the facility

Let us tell you that exclusive lounge access will be available to only select RuPay cardholders and it will be based on their spend. According to NPCI’s circular, “At Terminal 3, Indira Gandhi International Airport Delhi, only RuPay credit cardholders (Platinum and higher variants) are allowed RuPay exclusive lounge access. Lounge access will be spend based and will be operated by RuPay Benefit Management System (RBMS). Apart from this, member banks and issuers will have to issue details of eligible cardholders every three months.

Can spend this much

It is known that the spend limit for Tier 1 is Rs 10,000 to Rs 50,000. Every three months, 2 complimentary visits will be given, while for Tier 2, the spend limit is Rs 50,001 to Rs 1,00,000 and they will get the facility of 4 free visits in a quarter. Apart from this, the spend limit for Tier 3 is Rs 1,00,001 to Rs 5,00,000 and they will get the facility of 8 free visits in every quarter, while for Tier 4, the spend limit is Rs 5,00,001 or more. Hence, there is no limit on free visits.

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