New Rules From August 1: If you are an UPI user and mostly transactions from this, then be alert. Since 1 August 2025, some rules related to UPI are going to change in the country. In such a situation, those who pay everyday with apps like Phonpe, Google Pay or Paytm need to pay attention. The National Payments Corporation of India i.e. NPCI is bringing new rules to make UPI more fast, safe and reliable.
Balance check limit
From August 1, users will be able to check the balance only 50 times with their UPI app in a day. Repeatedly checking the balance puts pressure on the server, which slows down the transaction.
Limit to check link bank accounts
Now, all users will be able to see bank accounts connected to one phone number only 25 times a day.
Check the status of payment
Users will be able to see the status of payment only 3 times a day in case of any transaction. These 3 attraments should have a gap of at least 90 seconds each time.
In case of autope transaction
Various platforms will have a fixed time frame for autopay transactions. In one day, this timing will take place before 10 am, from 1 to 5 pm and 9:30 pm. Autope transaction means any subscription, SIP, EMI, bill amount to be cut on time.
Payment reversal limit
The limit of chargeback i.e. payment reversal has been fixed. Now you can ask for chargeback 10 times in 30 days and only one person or entity 5 times.
These changes are for all UPI (Unified Payment Interface) users. But if you do not check the balance or status repeatedly, 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 interruption and delay in sending or acquiring payment have increased, especially between April and May 2025. NPCI says that the big reason for this is that many users constantly check the balance or keep checking the status of a payment for minutes. This causes more load on the system and affects the speed of transactions.