Starting tomorrow, a few new rules are coming into play for UPI users in India. The National Payments Corporation of India (NPCI) is rolling out these changes to make the system more stable and handle the increasing number of digital payments better. If you often use UPI apps like Google Pay, PhonePe, Paytm, or any other, you might notice a few things working differently.
One of the biggest updates is around how often you can check your account balance. From now on, you’ll be able to do this only 50 times per day per app. Also, if you frequently view your list of linked bank accounts, that too will now be limited to 25 times a day.
What Else Changing For You?
If you’ve set up UPI AutoPay for things like subscriptions or EMIs, those payments will now only be processed during certain hours: before 10 a.m., between 1 p.m. and 5 p.m., and after 9:30 p.m. This mostly happens in the background, so for most users, it won’t change much. But if you run a business that relies on auto payments, it’s good to be aware of this schedule.
Another thing being limited is how often you can check the status of a transaction. You’ll now be allowed to do that only three times, and each check must be spaced at least 90 seconds apart. This is mainly to reduce pressure on the system during peak hours.
In a move to make payments safer, UPI apps will now show the recipient’s bank name before a transaction is completed. This small detail can help reduce errors and prevent sending money to the wrong person.
Also, if a payment fails and you need to raise a reversal request, there’s a new limit — 10 requests per 30 days, with no more than five requests for one sender.
NPCI is also tightening things up for banks and UPI apps. They’ve asked them to control how many background requests they send to the system, especially for things like checking transaction statuses. Too many of these can slow everything down for everyone. If the rules aren’t followed, apps or banks might face penalties or limited access.
Should You Be Concerned?
Honestly, most casual users won’t notice a big difference. If you’re not constantly checking your balance or spamming refresh buttons, you’re good. But if you use UPI a lot or run a business that depends on it, it’s worth keeping these new limits in mind. All in all, these changes aim to make UPI work better for everyone as digital payments continue to grow in India.
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