New UPI Rule From 1st August 2025 – Key Major changes like Balance Check, Auto Pay and Transaction Status Limit
UPI Rule Change: National Payments Corporation of India (NPCI) is going to implement new rules from August 1, 2025. The purpose of these rules is to make the UPI system faster, safer and more reliable than before.
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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