Effective from August 1, 2025, India’s most widely used payment system, the Unified Payments Interface (UPI), is undergoing major changes. The National Payments Corporation of India (NPCI), which manages the UPI ecosystem, has introduced a series of new rules to make the system more secure, efficient, and resilient.
With over 400 million users and billions of transactions taking place every month through apps like PhonePe, Google Pay, Paytm, and BHIM, these changes are bound to impact your daily payment habits. Whether you are an individual making frequent small payments or a business relying on Unified Payments Interface for collections, here’s everything you need to know about the new Unified Payments Interface rules from August 1, 2025.
UPI New Rules (From August 1, 2025)
| Feature | New Limit / Requirement |
| Balance checks | 50/day per app |
| Bank account view | 25/day per app |
| Pending transaction status | 3 tries; 90+ sec gap between checks |
| Autopay execution window | Before 10 AM, 1–5 PM, or after 9:30 PM |
| Autopay retry attempts | Up to 4 tries per mandate |
| Transaction status alerts | Immediate confirmation of success/fail |
| Recipient name display | Required before each payment |
Previously, Unified Payments Interface apps allowed users unlimited bank account balance checks. But now, the daily limit is capped at 50 balance enquiries per UPI app.
This step is aimed at reducing unnecessary traffic on the UPI servers. Fortunately, after every successful transaction, your latest available balance will now be shown automatically minimizing the need for repeated manual checks.
When you register on a UPI app, you usually view your linked bank accounts through your mobile number.As of August 1st, this feature will be restricted to 25 daily views per UPI app.
This limit helps prevent fraudulent apps or bots from exploiting the account-viewing API to gather unauthorized information.
Sometimes UPI payments get stuck due to network or system issues. Previously, users would check the transaction status repeatedly. Now, you can only check the status of a pending transaction 3 times, and each attempt must be at least 90 seconds apart.
From now on, automatic UPI payments—like for OTT subscriptions (Netflix, Hotstar), electricity bills, or SIP investments—will be handled by the system early in the morning between 12:00 AM and 7:00 AM.
This is being done to reduce pressure on the system during the busy hours of the day. You might still get notifications or reminders during the day, but the actual payment process will happen early in the morning in the background.
One major concern with UPI has been the anxiety users face while waiting for confirmation. From now on, UPI apps must provide real-time confirmation of success or failure, reducing ambiguity and wait time.
To protect users from scams and wrong transfers, all UPI apps are now required to clearly show the name of the recipient before the transaction is confirmed.
NPCI has also introduced back-end usage limits on how many times UPI apps can use core APIs (for balance check, status check, etc.) in a day. These limits are now standardized across all apps and monitored for compliance.
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