If you have an account in HDFC Bank and use UPI for daily transactions, then this update is important for you.
The bank has announced that its UPI service will be unavailable for 90 minutes on the night of 12 September 2025.
Why Will UPI Be Down?
HDFC Bank clarified that this downtime is not due to any issue, but because of system upgrade and scheduled maintenance.
The aim is to provide customers with a faster and smoother banking experience in the future.
When Will UPI Not Work?
The maintenance will take place on 12 September 2025, from 12:00 am to 1:30 am.
During this 90-minute window, UPI transactions will not work.
Which Services Will Be Affected?
All UPI transactions linked to HDFC Bank savings and current accounts.
RuPay Credit Card payments via UPI.
Transactions through the HDFC Bank mobile app and third-party apps like Google Pay, PhonePe, etc., if linked to HDFC Bank.
Alternative Option – Use PayZapp
HDFC Bank has suggested using its PayZapp wallet during this period.
With PayZapp, you can:
Make bill payments
Send money
Do online and offline shopping
???? The good news is that Net Banking services will remain unaffected. Customers can still perform over 200 types of transactions through net banking anytime.
What is PayZapp?
PayZapp is a digital wallet and virtual card offered by HDFC Bank. It is not limited to HDFC customers—users of other banks can also download and use it.
Transaction Limits:
Up to ₹10,000 per month for non-KYC users.
Up to ₹2 lakh per month for KYC-compliant users.
Security Features:
PIN and biometric login.
Password and authentication for every transaction.
Bank claims PayZapp is fully safe and secure.
Final Advice
HDFC Bank has urged its customers to avoid planning UPI transactions between 12:00 am and 1:30 am on 12 September 2025.
It is better to complete important payments in advance to avoid inconvenience.
