India has become a global leader in digital payments, thanks to the success of the Unified Payments Interface (UPI). According to the International Monetary Fund (IMF), UPI has transformed how people send and receive money in the country. To further improve security and efficiency, the National Payments Corporation of India (NPCI) has introduced the New UPI Rule, effective from August 1, 2025.
What is the New UPI Rule?
The New UPI Rule aims to enhance system performance and reduce fraud risks. NPCI has issued guidelines for Payment Service Provider (PSP) banks to monitor and control API requests to prevent misuse. Here are the key changes under the New UPI Rule 2025:
- UPI Balance Check Limit
Users can check their account balance up to 50 times per app per day. This restriction prevents excessive API calls, improving UPI’s overall speed and reliability. - UPI Transaction Status Request
Users can check the status of a transaction only after 45 to 60 seconds of initiating it. This reduces unnecessary server load and ensures smoother transactions. - Autopay Mandate Execution Timing
UPI Autopay (recurring payments like bills, subscriptions) can only be processed during non-peak hours. Peak hours (when UPI transactions are highest) are:
10:00 AM to 1:00 PM
5:00 PM to 9:30 PM
This rule ensures faster processing of regular UPI payments during busy hours. - Bank Account Listing Limit
Users can view their linked bank accounts only 25 times per app in 24 hours.
This prevents misuse and enhances security.
Why These Changes Matter
The New UPI Rule is designed to:
✔ Reduce fraud risks by limiting unnecessary API calls.
✔ Improve transaction speed by managing peak-hour loads.
✔ Enhance user experience with smoother UPI operations.
What Should Users Do?
Avoid excessive balance checks to stay within the daily limit.
Schedule Autopay mandates outside peak hours.
Be mindful of transaction status checks to avoid delays.
Final Thoughts
The New UPI Rule 2025 is a step towards a more secure and efficient digital payment system in India. By following these guidelines, users can enjoy faster, safer, and more reliable UPI transactions.
Stay updated with the latest New UPI Rule changes to make the most of India’s leading digital payment system!
