The National Payments Corporation of India (NPCI) has announced new guidelines to enhance the security and efficiency of UPI transactions, effective from April 1, 2025.
These rules are designed to improve the overall experience and minimize fraud. Here’s what UPI users need to know:
Key Changes in UPI from 1st April 2025:
Deactivation of Inactive Mobile Numbers:
Inactive Mobile Numbers: If your mobile number has been inactive for 90 days, telecom operators will reassign it, which means your UPI services linked to that number will be deactivated.
What You Need to Do: Update your mobile number with the bank to ensure uninterrupted UPI services.
If you have changed your number recently, register the new number with your bank immediately.
Keep using the number that is linked to your bank so it does not become inactive, which could disrupt your UPI transactions.
Changes to “Collect Payment” Feature:
NPCI is removing the “Collect Payment” feature in UPI to curb fraud.
Limitations on Collect Payment: This feature will now only be available for big and verified merchants, making it more secure.
New “Collect Request” Limit: For individual transactions, the “Collect Request” limit will be increased to Rs 2,000.
Why These Changes Are Being Made:
The aim is to increase UPI’s security by preventing fraudulent activities and making sure that only active and verified mobile numbers are used for UPI transactions.
These changes will help to minimize scams and improve transaction reliability for all UPI users.
Action You Need to Take:
Update Your Bank-Linked Number: If you haven’t already, make sure your mobile number is up to date with your bank to keep using UPI without interruption.
Avoid Disruption: Don’t let your registered mobile number remain inactive for 90 days. Regular usage is key.
These new rules are part of the ongoing effort to make UPI more secure and fraud-resistant, so make sure to stay informed and updated to avoid any inconvenience in your transactions after April 1, 2025.
