Published: July 26, 2025
India | Digital Payments | UPI Updates
Starting *August 1, 2025, the *National Payments Corporation of India (NPCI) is introducing new rules for UPI (Unified Payments Interface) users. These changes are aimed at improving system efficiency, reducing transaction failures, and ensuring a smoother user experience across digital banking platforms.
Key Changes to UPI Usage from August 1
According to official NPCI guidelines, several new limitations will come into effect regarding how UPI services can be accessed on a daily basis:
- Balance Checks Limited to 50 Times per Day
UPI users will be allowed to check their bank balance only up to 50 times a day, regardless of the platform used. - Linked Bank Account Views Restricted to 25 Times Daily
Users will be able to view or verify bank accounts linked to their mobile number only 25 times per day. - AutoPay Transactions to Follow Fixed Time Slots
All AutoPay UPI transactions will now be processed in predefined time slots. This scheduling system is expected to improve success rates and reduce delays.
Why These Rules Are Being Implemented
The NPCI stated that the changes are designed to:
- Reduce failed transactions caused by system overload or technical glitches.
- Improve UPI infrastructure stability for both banks and third-party apps.
- Minimize payment delays, particularly during peak hours or high-volume days.
These steps are a part of broader reforms to enhance user trust in digital payments, as India witnesses exponential growth in UPI adoption.
What Users Should Do
Users are advised to:
- Plan their UPI usage wisely throughout the day to avoid reaching daily limits.
- Set up AutoPay mandates in advance and check their schedules to avoid missed payments.
- Use UPI apps with strong customer support and real-time notifications for better tracking.
Banks and fintech companies will soon update their applications to reflect these changes and notify users accordingly.