UPI New Rules: The National Payments Corporation of India (NPCI) is all set to introduce new rules for Unified Payments Interface (UPI) from August 1, 2025.
These rules will affect the way users make payments using apps like Paytm, Google Pay, PhonePe, and others.
According to NPCI, these changes will improve the reliability, security, and speed of UPI transactions across the country.
The new rules will apply to all users of UPI apps, and will mainly affect payment processes, transaction tracking, autopay features, and balance inquiries.
New UPI Rules from August 1
Here are the major changes users should know:
Users can check bank accounts linked to a phone number only 25 times per day.
Users will be allowed to check account balances up to 50 times per day.
The status of a payment can be checked only 3 times, with a minimum gap of 90 seconds between each attempt.
Autopay transactions will now have fixed time limits on different platforms.
Why Is NPCI Making These Changes?
NPCI has introduced these rules to simplify UPI usage and reduce system overload caused by repeated actions.
Every month, India sees around 6 billion UPI transactions, showing how heavily the system is used.
Between April and May 2025, many users reported issues like payment delays and transaction failures.
The main reason found was that users kept checking balances or payment status repeatedly, which put extra pressure on the system.
By limiting such actions, NPCI aims to improve overall transaction speed and ensure smoother functioning of UPI services.
Impact on Users
These new limits are considered practical and user-friendly, and most users are unlikely to be affected in daily use.
In fact, NPCI believes that these changes will make UPI services faster, more reliable, and less prone to delays.
