New UPI Payment Rules in India (August 2025): What Everyone Must Know

India’s Unified Payments Interface (UPI) just rolled out its biggest update in years. Starting today, *NPCI’s new rules are in force across all top apps—PhonePe, Google Pay, Paytm, and more*. Here’s everything you—and your readers—need to know about how these rules will affect daily transactions, security, and the smoothness of digital payments.

What’s Changed With UPI Rules?

1.Limit on Bank Balance Checks

• -You can now only check your bank balance up to 50 times per app, every 24 hours*.
• This limit applies separately to each UPI app—so, for example, if you use both PhonePe and Google Pay, each counts its own 50 checks.
• Background balance checks by apps have been disabled*; only manual, user-initiated requests will count.

2.Auto-Display of Available Balance

• After every UPI transaction (send, receive, pay), your *available bank balance will be shown automatically* by the app.
• This makes it easier to keep track of your money without repeated manual balance checks

3.Caps on Linked Account Enquiries

• Users may now fetch or update their list of linked bank accounts *no more than 25 times per app, per day.
• This measure aims to reduce unnecessary traffic on the UPI system.

 4. Limits on Transaction Status Checks

• If a payment is stuck or pending, you’re allowed to check the transaction status only *three times, with a 90-second gap between each attempt.
• This reduces repeated server requests, improving speed and reliability for everyone

5. Scheduled Autopay Changes

• -Recurring bill payments (like EMIs, subscriptions) will only be processed during *non-peak hours*: before 10am, 1–5pm, and after 9:30pm.
• This new timing is designed to avoid UPI slowdowns during the busiest hours—but you may notice your bills are now paid just before or after you expected.
• Each auto-pay mandate now gets a max of four attempts: one original, plus three retries.

 6. Inactive UPI ID Deactivation

•  If a mobile number hasn’t used UPI for *over 12 months*, its UPI IDs will be auto-disabled. This helps prevent fraud.

7. Faster, More Reliable Payments

• All UPI APIs must now respond within *10 seconds* (down from 30 seconds before), improving reliability, especially during high-traffic.

 8. No Changes To Transaction Limits

•  The overall 20-transaction per day and ₹1 lakh daily transfer limit stays the same.
•  For new users, initial limits of ₹5,000 apply for the first 24 hours