The new upi rules from August 1 bring several operational limits and transparency enhancements aimed at boosting UPI efficiency and preventing system overload. These changes apply across all UPI-enabled apps, including Google Pay, PhonePe, and Paytm.
Balance Check Limit: Only 50 Times Per App
From August 1, you can check your bank balance via UPI only up to 50 times per day per app. Any additional attempts may be blocked.
Linked Bank Account Views Capped at 25 Per Day
Requests to view your linked bank accounts are now limited to 25 per day per app. Background or automated requests without user consent are discouraged.
Status Checks Limited to Three, with 90‑Second Gaps
You may check the status of a pending transaction only up to three times, with a mandatory gap of at least 90 seconds between attempts, all within a two‑hour window.
AutoPay Execution Restricted to Non‑Peak Hours
Automatic recurring payments—like EMIs, SIPs, OTT subscriptions—must occur during NPCI-defined non-peak hours.
Mandatory Display of Recipient Name Before Transaction
Prior to confirming a UPI payment, the app must display the beneficiary’s name or bank details. This addition enhances security and reduces erroneous transfers.
Apps to Reduce Unnecessary Balance Checks
UPI apps are expected to reduce background balance check calls after payments. NPCI urges better optimization but hasn’t mandated automatic updates.
Compliance Requirements for APIs and Monitoring
Banks and UPI apps must monitor API usage and enforce these limits. Compliance is audited, and failures may invite penalties, access restrictions, or suspension of onboarding new users.
The new upi rules reflect NPCI’s drive to streamline digital payments infrastructure. As India continues to process over 18 billion UPI transactions per month, these measures help sustain stability and speed.
FAQ
Who introduced the new upi rules?
The National Payments Corporation of India (NPCI) issued these guidelines.
What is the balance check limit per app?
Users can check their bank balance only up to 50 times per day per UPI app.
How many times can transaction status be checked?
You can check a pending transaction status three times, with at least 90 seconds between attempts.
When will autopay payments be processed?
They will run only during designated non-peak hours as defined by NPCI.
Will I see recipient details before sending money?
Yes, recipient name and bank are required to be visible before you complete a UPI transaction.
What are the consequences of non-compliance?
Non-compliant banks or apps may face penalties, restricted API access, or suspension of new customer onboarding.
