UPI Users Can Check Balance Only 50 Times Daily from August 1

Digital payment users in India will soon experience revised usage protocols as the National Payments Corporation of India (NPCI) prepares to enforce new UPI regulations from August 1, 2025. The changes primarily affect daily balance checks, transaction alerts, and backend system management for major UPI platforms such as PhonePe, Google Pay, and Paytm.

As per a new circular issued by NPCI, users will be allowed to check their bank balance only up to 50 times a day on each UPI app. This move is intended to reduce server load and ensure smoother functioning of the UPI ecosystem, especially during high-traffic hours.

Under the updated framework, repetitive actions on UPI apps—such as checking balances, verifying transaction status, and enabling autopay—will be monitored and limited. Each of these actions places load on the system infrastructure, particularly during peak usage periods.

The NPCI has mandated all participating banks and Payment Service Providers (PSPs) to implement technology that curtails such high-frequency actions automatically. UPI apps are expected to notify users of the available balance immediately after a transaction to reduce the need for manual balance checks.

To ensure smooth implementation, all PSPs are required to submit compliance undertakings to the NPCI by August 31, 2025. The undertaking confirms that system-generated APIs will be queued and capped to avoid overuse. Entities that fail to adhere to these standards may face penalties, including API throttling or temporary access restrictions.

These changes are being introduced to enhance the stability and efficiency of UPI infrastructure nationwide.