NPCI is bringing new rules to simplify UPI, so that unnecessary activities can be curbed and the load on the system can be reduced. In recent times, complaints related to interruptions and delays in sending or receiving payments have increased
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New Rules From August 1: If you are a UPI user and do most of the transactions through it, then be alert. From August 1, 2025, some rules related to UPI are going to change in the country. In such a situation, those who make payments every day through apps like PhonePe, Google Pay or Paytm need to pay attention. National Payments Corporation of India i.e. NPCI is bringing new rules to make UPI faster, safer and reliable.
Limit to check balance
From August 1, users will be able to check balance only 50 times a day from their UPI app. Checking balance repeatedly puts pressure on the server, which slows down the transaction.
Limit for checking linked bank accounts
Now all users will be able to check the bank accounts linked to their phone number on any one app only a maximum of 25 times a day.
Checking payment status
Users will be able to check the payment status only 3 times a day in case of any transaction. There should be a gap of at least 90 seconds between these 3 attempts.
In case of autopay transactions
There will be a fixed time limit for autopay transactions on different platforms. This timing in a day will be before 10 am, from 1 pm to 5 pm and after 9:30 pm. Autopay transaction means the amount of any subscription, SIP, EMI, bill is automatically deducted at the fixed time.
Limit of payment reversal
The limit of chargeback i.e. payment reversal has been fixed. Now you can ask for chargeback only 10 times in 30 days and 5 times from any one person or entity.
These changes are for all UPI (Unified Payment Interface) users. But if you do not check balance or status frequently, then there will be no big problem for you. NPCI is bringing new rules to make UPI easier, so that unnecessary activities can be curbed. In recent times, complaints related to interruptions and delays in sending or receiving payments have increased, especially between April and May 2025. NPCI says that the main reason for this is that many users constantly check the balance or keep checking the status of a payment repeatedly for minutes. This puts more load on the system and affects the speed of transactions.
