According to directives issued by the National Payments Corporation of India (NPCI), a new set of UPI regulations went into effect today, August 1, 2025. The purpose of today’s UPI regulation amendments is to enhance the functionality of the online payment system.
If you use PhonePe, Google Pay, Paytm, or any other UPI app, the new UPI regulations that go into effect on August 1st will have an impact on your regular payment system. However, if you follow the NPCI guidelines, the UPI regulation changes won’t cause any problems, and payments might even go more smoothly.
Balance Check Limit Set to 50 Per Day
Numerous revisions to UPI rules have been adopted by the NPCI. You will no longer be able to check your bank balance on your PhonePe, Google Pay, and other apps indefinitely, as the restriction is set at 50. To make up for the inconvenience, a new UPI rule has been implemented that requires you to view your bank balance following every transaction.
Time Restrictions on Scheduled Bill Payments
According to the new UPI regulations, planned bill payments must be processed between 10 a.m. and 9:30 p.m. Furthermore, consumers will only have the option to check the status of a pending transaction three times, separated by ninety seconds.
GPay and Other UPI App Changes
GPay customers will have to follow the NPCI adjustments since the new UPI regulations will apply to Google Pay transactions. These include verifying the status of pending transactions, showing the bank balance, and calculating the bank balance cap.
The number of UPI transactions permitted daily has not been modified by the NPCI in its new UPI regulations, which went into effect on August 1. A user has a daily restriction of INR 1 lakh and is only permitted to perform a maximum of 20 UPI transactions.
New User Transfer Limits Explained
A transfer limit for UPI is frequently implemented for new users. For new users, banks typically permit a UPI transfer of INR 5,000 per transaction and a total of INR 5,000 for the first 24 hours.
The new UPI regulations also mandate that planned bill payments be processed during specific hours. The purpose of this step is to alleviate the strain on the everyday UPI transactions.
Why NPCI Enforced These UPI Rule Changes?
Now, during off-peak hours, auto payments to merchants or planned OTT platforms must be made by 10 am or after 9:30 pm. The circular also states that NPCI may take any required steps, such as restricting access to the UPI API, imposing fines, suspending new clients or onboarding, or taking other appropriate action, in the event that these instructions are not followed.
By implementing these regulations, NPCI hopes to improve online payment efficiency and lower the number of fraud incidents.
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