UPI New Rules From August 1: Key Changes in Autopay, Balance Checks, and Daily Limits
UPI rules change from August 1, 2025: New limits on balance checks, payment status, and autopay slots to improve speed and reliability of transactions.
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The National Payments Corporation of India (NPCI) will roll out new rules for the Unified Payments Interface (UPI) from August 1, 2025, aimed at enhancing the reliability, speed, and security of digital transactions. These changes will impact popular UPI apps such as Paytm, Google Pay, and PhonePe.
As per the new guidelines, users will be restricted to 25 bank account views per day and 50 balance checks per day. The payment status of any transaction can now be checked only three times, with a mandatory 90-second gap between each attempt. Additionally, autopay transactions will be executed during fixed time slots, a move intended to reduce system overload.
NPCI stated that these measures are designed to streamline UPI operations, particularly after a surge in complaints regarding transaction delays and outages during April–May 2025. A key cause was excessive system requests from repeated balance and status checks, which slowed down transaction processing. With over 6 billion UPI transactions happening monthly, these rules aim to improve the overall user experience by reducing unnecessary server load.
The new regulations are considered user-friendly and are expected to make UPI faster and more reliable for millions of daily users.
