From August 1, 2025, the NPCI (National Payments Corporation of India) is introducing a fresh set of rules for all UPI users to ensure smoother operations, minimize system overload, and enhance security. Here are the main highlights you should be aware of:
1. Daily Limit on Balance Checks:
Each UPI app will now allow users to check their account balance a maximum of 50 times per day. This measure is designed to control excessive requests that can slow down banking systems.
2. Restrictions on Viewing Linked Accounts:
You can now view your list of linked bank accounts only 25 times per app in a single day. This change aims to reduce repeated backend queries that can lead to congestion.
3. Limits on Transaction Status Checks:
When checking the status of a pending UPI transaction, there is now a cap of three attempts per transaction. Furthermore, each check must be spaced at least 90 seconds apart, preventing unnecessary load on the servers.
4. UPI Autopay Mandates:
Recurring payments such as subscriptions or EMIs via UPI Autopay will only be processed during designated non-peak hours: before 10 AM, between 1 PM and 5 PM, and after 9:30 PM. Failed autopay requests can be retried a maximum of three times.
5. Automatic Deactivation of Inactive UPI IDs:
If your UPI ID hasn’t been used for over a year, it will be automatically disabled to prevent unauthorised access or fraudulent use.
6. Stricter Security and Faster Response:
Banks and apps must comply with tighter security standards and are required to respond to user requests within 10 seconds.
These new policies aim to strengthen UPI’s infrastructure as digital transaction volumes continue to rise. While most everyday users won’t notice major changes, high-frequency users and businesses will need to adjust to these updated limits.
