UPI Rule Changes from 1 August 2025: From 1 August 2025, the National Payments Corporation of India (NPCI) mandates a robust set of new rules for UPI apps to enhance reliability, prevent overload, and reduce fraud risks. These updates directly impact features like balance checks, autopay mandates, and account-linked services.
Why These Changes Matter
With UPI volumes reaching 18.4 billion transactions in June 2025 (valued at ₹24 lakh crore), repeated background checks and API overloads were causing performance dips. NPCI’s new rules aim to reduce unnecessary system load and enforce smoother transactions across all UPI apps.
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New UPI Limits Effective 1 August
- Balance Enquiry Limit
Manual balance checks capped at 50 per app per day. System removes background balance refreshes.
Users are auto-shown balance after each transaction to avoid unnecessary checks. - Account Discovery Limit
“List Account” API access limited to 25 times daily per user per app, with explicit consent required. - **Autopay Execution Window & Retry Rules**
Mandated autopay debits (bills, subscriptions, EMI) will run only during non-peak hours (before 10 AM, between 1–5 PM, after 9:30 PM).
Each mandate gets 1 attempt + up to 3 retries (total 4). - Transaction Status Queries
Checking a pending payment’s status is allowed only 3 times, with a minimum 90-second gap between each. - API Response Time Reduced
Core APIs now must respond within 10 seconds, significantly improving speed and reducing user wait times. - Inactive UPI ID Deactivation
UPI IDs unused for more than 12 months may be auto-deactivated to prevent misuse. - Enhanced Bank Account Verification
New linked bank accounts must pass stronger authentication for added security. - Credit Line Usage on UPI (From 31 August)
Users can start making payments or withdrawing via credit lines:
- ₹1,00,000/day for payments
- ₹10,000/day withdrawal
- Max 20 P2P transfers daily.
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Action Checklist for UPI Users & Businesses
- Limit balance checks to avoid hitting the 50‑per‑day cap.
- Keep autopay mandates informed—ensure providers schedule within allowed windows.
- Use your UPI ID at least once a year to prevent deactivation.
- Avoid unnecessary status checks—wait the mandated 90 seconds before retrying.
FAQs – UPI New Rules from 1 August
Q1. Can I check my UPI-linked bank balance unlimited times?
No. Balance checks are capped at 50 per day per app, plus automatically displayed after transactions.
Q2. When will autopay mandates execute?
Only during non-peak hours: before 10 AM, 1–5 PM, or after 9:30 PM
Q3. How many retries do I get for a failed autopay?
UPI allows 1 original plus 3 retries, totaling four attempts.
Q4. How many times can I use the “List Account” feature?
You can fetch linked account info up to 25 times per day per app, with each attempt needing user consent.
Q5. What if I exceed API limits?
Banks or apps missing compliance by 31 July 2025 may face penalties, API access restrictions, or suspension from onboarding new UPI users.
Official NPCI Circular
For detailed guidance and formal documentation, refer to the NPCI website:
www.npci.org.in
Final Thoughts
NPCI’s comprehensive rule update effective 1 August 2025 brings much-needed balance between user convenience and system resiliency. While daily users may notice minor changes—especially in balance checks and autopay timing—these regulations are crucial for maintaining UPI’s reliability during peak periods.