If you also use apps like Google Pay, PhonePe and Paytm, then this news is useful for you. A big change is going to happen from August 1, 2025 for those who make payments through UPI.
These changes will directly affect common people, shopkeepers, freelancers and merchants dependent on digital transactions. The National Payments Corporation of India (NPCI) has changed some rules to make UPI transactions more secure, faster and server friendly and the new rules will come into effect from August 1, 2025.
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NPCI has taken this decision in view of the increased server load and failed transactions in the last few months. In the past months, due to the rapidly increasing traffic on the UPI server, the incidents of failed and slow transactions have increased. The purpose of these new rules is to reduce the pressure on the server, so that the UPI network works fast and uninterrupted.
Limit on checking balance fixed
From August 1, UPI users will be able to check balance only 50 times a day from any one app. If you use two different apps, then this limit will be applied separately on each app. During peak hours (10 am to 1 pm and 5 pm to 9:30 pm) balance check will be banned or access will be limited so that server load is reduced.
Balance update will be available after every payment.
Now after every successful payment, the bank itself will tell you how much balance is left in your account through SMS or in-app notification. This will eliminate the need for shopkeepers, freelancers, small businessmen to check the balance again and again.
Autopay now only during non-peak hours
Auto payments like Netflix, Amazon Prime, EMI or SIP will now be processed only during non-peak hours. Autopay will happen before 10 am, between 1 pm to 5 pm and after 9:30 pm. There will be no autopay transactions during peak hours.
Check the status of failed or pending transactions:
Now if a transaction fails or is pending, its status can be checked only after at least 90 seconds. Transaction status can be checked only 3 times a day. There will be a gap of at least 45-60 seconds each time.
Banks will have to get the UPI system audited.
Now every bank will have to get its UPI system audited once a year. The first report will have to be submitted by 31 August 2025. Payment reversal (chargeback) can be demanded only 10 times in 30 days. Basic UPI features like money transfer, payment by QR scan or merchant transactions will not be affected by these changes.
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