New UPI Rules from August 1: Daily Limits, Auto-Debit Timing, Payee Name Display and More
NPCI rolls out new UPI rules from August 1, limiting balance checks, regulating auto-debits, and enforcing payee name display to enhance payment security.
India’s UPI ecosystem undergoes a major upgrade from August 1 with new daily usage limits and security measures.
Starting August 1, 2025, India’s digital payments ecosystem will see major changes as the National Payments Corporation of India (NPCI) implements new guidelines for Unified Payments Interface (UPI) transactions. The update aims to enhance security, manage server load, and streamline digital payment services across popular UPI apps like PhonePe, Google Pay, Paytm, and others.
Here's a breakdown of all the new rules UPI users need to know:
🔑 Key UPI Rule Changes from August 1
1. Daily Balance Check Limit
Users will be limited to 50 balance enquiries per day per app. Once this cap is reached, balance check functionality will be disabled on that app for 24 hours.
✅ Reason: Reduce API congestion during peak hours.
2. Auto Balance Display After Transactions
After each successful UPI payment, the app will automatically show the updated account balance, minimizing the need for repeated manual checks.
3. Limit on Account Linking
Users can now link up to 25 bank accounts per day per UPI app. This applies when fetching account details via mobile number, aimed at minimizing unnecessary load on bank servers.
4. Restricted Transaction Status Checks
The number of status checks for a pending transaction is capped at 3 times, with a mandatory 90-second interval between each check.
5. Auto-Debit Timing Restrictions
Recurring UPI payments such as EMIs, subscriptions, and SIPs will now be processed only during non-peak hours:
✅ Before 10:00 AM
✅ After 9:30 PM
This move helps manage traffic during high-volume periods.
6. Payee Name Visibility
Before making a payment, UPI apps must now display the payee’s registered bank name, allowing users to confirm the recipient’s identity and prevent fraud or wrong transfers.
📋 Compliance and Enforcement
All UPI service providers must ensure full integration of the new rules by July 31. The NPCI has warned that failure to comply could result in disciplinary action.
These measures are part of NPCI’s ongoing efforts to improve the security, reliability, and user experience of India’s rapidly growing digital payment infrastructure.
