UPI Rule Change: Good news for digital payment users. The National Payments Corporation of India (NPCI) is preparing to make a major change for UPI users starting December 31st. Under this new change, users will now be able to view and manage all their transactions (Auto Payments) from any UPI app, even if they were made on another app. Users will also have the option to port mandates from one UPI app to another.

NPCI has also clarified that no pressure or incentives, such as cashbacks or notifications, will be offered to users in this process. Additionally, new authentication methods have been added to UPI, including face and biometric authentication, which will make transactions more secure. This step has been taken to make UPI more transparent, easy, and secure.

Financial planning – tracking auto payments will be easier.
This new feature will be implemented by all UPI apps and payment service providers (PSPs) by December 31, 2025. Now, if you have transactions on Google Pay, PhonePe, Paytm, or any other app, you will be able to view and manage them within a single app. This will make financial planning and tracking auto payments easier.

Learn what the new change means.
Once the new rule comes into effect, users will be able to see which regular payments are being made using UPI on any app. For example, if there’s an active payment on Google Pay and another on PhonePe, users will be able to easily view both payments on any app of their choice. This will make it easier for them to plan their finances.

Additionally, you can now transfer your mandates from one app to another. This will make it easier for users to switch apps and use the payment app of their choice. NPCI has clarified that this feature will be completely under user control. Mandate porting will be done voluntarily, without any pressure or incentives, and will help make it more effective.

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If you also avoid keeping cash and use UPI (Unified Payments Interface) facility every day, then this news is important for you. Actually, National Payments Corporation of India (NPCI) is going to implement new rules related to UPI payments from August 1, 2025.

The purpose of these rules is to make the UPI system faster, safer and more reliable than before. Let us tell you about these rules in detail…

New UPI rules will be implemented from August 1 (New UPI rules from 1st August)

1. Limit for checking balance

Now UPI users will be able to check their account balance only 50 times on the app in a day. This limit has been imposed to control the traffic of the UPI system and prevent the system from slowing down.

2. Linked account information

Now you will be able to check which bank account your mobile number is linked to only 25 times a day.

3. Time slot fixed for auto pay payment

Now subscription-based auto debits (like Netflix or SIP etc.) through UPI will be processed only during non-peak times. That is, before 10 am, between 1 pm to 5 pm and after 9:30 pm.

4. Limit for checking UPI transaction status

If a payment is stuck, you will now be able to check its status only three times and there will be a gap of at least 90 seconds between each check.

The purpose of these new rules is to reduce the load on the UPI server and prevent problems like frequent outages.

Big changes in the last 6 months

1. Decreased API time limit for better speed

In June 2025, NPCI reduced the response time of UPI APIs to 15 seconds for Request-Pay and Response-Pay and to 10 seconds for transaction status check and failed transaction reversal. This increased the speed of transactions.

2. Beneficiary’s name will be visible before payment

From June 30, 2025, before making every UPI payment, you will now see the beneficiary’s name registered with the bank. This change is expected to drastically reduce fraudulent transactions.

3. Chargeback limit fixed

NPCI has fixed the limit of UPI chargeback in December 2024. A consumer can claim chargeback a maximum of 10 times in 30 days and up to 5 times with the same person or institution.

Why were these changes needed?

Every month, there are about 16 billion transactions on UPI. Due to high load on the system, there have been frequent complaints of outages in April and May, which affected a large number of users. NPCI believes that most of the problems are caused by excessive calls on the UPI API. Such as checking balance every 2 minutes or refreshing the same transaction repeatedly. These new rules will help reduce calls, which will make the system work even faster and smoother.

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What is the new rule?

As per the new instructions of NPCI, banks will have to remove mobile numbers from their system which have been closed or reassigned to new customers. This step has been taken to prevent errors in UPI transactions.

Data will be updated every week

In the meeting held on 16 July 2024, NPCI decided that:

• Banks and payment service providers (PSPs) will have to update their data weekly.
• In this process, the list of those mobile numbers will be removed which are now closed or have been given to some other customer.
• This will reduce the chances of transactions on wrong number and increase security.
  

  What should UPI users do?

  Due to the new guidelines of NPCI, UPI users should take special care of the following things:

  • Update Registered Mobile Number: If you have recently changed your mobile number, update it immediately in your bank and UPI app.
  • Keep an eye on notifications from UPI apps: UPI apps will now seek explicit consent for number updates. An ‘opt-in’ option will be provided for this, so that no changes will be made without the user’s approval.
  • Contact the bank: If your old mobile number is closed, inform the bank immediately so that the security of your account remains intact.
  • Interruption in receiving money: If a customer’s number is not updated, they may face problems in receiving money through UPI.

  New instructions for banks and payment service providers

  NPCI has given banks and UPI service providers time till March 31, 2025 to implement these rules.

  From 1 April 2025:

  • All banks have to submit monthly reports to NPCI.
  • This report will include details of total UPI IDs, number of active users, transactions done through updated mobile numbers and number-based transactions resolved locally.

  Impact of the new rules

  The positive impact of these new guidelines implemented by NPCI can be seen as follows:

  • Security in UPI transactions will increase: Incidents of sending money to wrong numbers will decrease.
  • Incidents of fraud will be reduced: Due to the number update process, the chances of scams and fraud will be reduced.
  • UPI experience will improve: Users will feel more comfortable and secure in transactions.

  Objective of NPCI

  The main objective of NPCI is to make UPI transactions secure and more convenient in the interest of consumers. After the implementation of the new rules, the digital payment system will become more robust and secure.

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Under this, banks will regularly delete those mobile numbers which have been closed or have been issued to someone else. The purpose of this step is to prevent wrong transactions and make UPI transactions more secure.

Why are these new rules being implemented?

In the meeting of NPCI held on 16 July 2024, it was decided that banks and payment service providers (PSPs) will have to update their systems at regular intervals. Now banks and UPI apps will update the list of mobile numbers every week, so that erroneous or unsuccessful transactions can be reduced.

What do UPI users need to keep in mind?

UPI apps will now seek your consent to update the number. You will get a clear option to opt-in in the app. This means that your number will be updated only when you give your consent. There will be no misleading or forceful consent messages in the UPI app. If the user does not update the number, the facility of receiving money from UPI may be stopped.

New rules for banks and UPI apps

All banks and UPI service providers will have to follow these guidelines by March 31, 2025. From April 1, 2025, they will also have to submit a monthly report to NPCI, which will include this information.

• Total UPI IDs linked to mobile numbers.
• Number of active UPI users every month.
• Transactions done through updated mobile numbers.
• Locally resolved UPI number-based transactions.

What will be the impact of the new rules?

This change will reduce the problem of sending money to the wrong number and UPI transactions will become more secure and easy. Banks and UPI apps will update the mobile number every week, which will reduce the risk of wrong or failed transactions to a great extent. If you use UPI, keep getting updated information from your bank and UPI apps, so that you do not have to face any problem.

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UPI Rule Change: If you use Paytm, PhonePe and Amazon Pay then you also use wallet. Often people in these wallets complain that they are not able to use their money deposited in the wallet to make payments on any other company’s platform or scanner.

To overcome this problem, the Reserve Bank of India (RBI) has proposed to integrate prepaid payment devices with third party UPI applications. What does this mean for thousands of UPI customers? Here we are telling you.

You will be able to make payment on any app

To provide more flexibility to Prepaid Payment Instrument (PPI) holders, there is now a proposal to allow linking of PPI through third party UPI apps. With this, PPI holders will be able to make UPI payments like a bank account. With the implementation of this rule, customers will be able to use any UPI app from their wallet even if the wallet and UPI app are from different companies. RBI says that till now, the wallet could be used to make UPI payments only using the application provided by the same PPI issuer.

This problem still occurs
Like if you are using PhonePe wallet, then you have to use the wallet money to make payment through PhonePe. You cannot use your Wallet money to make payments through any other third-party UPI application.

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