NPCI Rolls Out New UPI Rules: Daily Limits, Peak-Hour Restrictions, and Fraud Checks Begin August 1
(OT Webdesk)Starting August 1, 2025, the National Payments Corporation of India (NPCI) has implemented sweeping changes to Unified Payments Interface (UPI) operations aimed at improving efficiency and curbing fraud.
These new rules apply across all major UPI platforms, including Google Pay, PhonePe, and Paytm.
Key updates include:
- Daily Limits:
- Bank balance enquiries capped at 50/day.
- Linked bank account views are restricted to 25/day.
- Transaction status checks are limited to 3 attempts with a 90-second gap.
- Peak-Hour Restrictions:
- Autopay transactions are allowed only during non-peak hours: before 10 AM, between 1–5 PM, and after 9:30 PM.
- Payments scheduled during peak hours may be rescheduled. Failed autopayments will get a retry option.
- Fraud Prevention & Transparency:
- Senders will now see the recipient’s registered name and transaction ID before confirming payments.
- The available balance will be displayed with each transaction.
- Pending transactions will update within seconds.
- Compliance Measures:
- NPCI warns of penalties for non-compliance, including API restrictions and suspension of new customer onboarding.
These changes are designed to reduce congestion, enhance transaction speed, and bolster user safety across India’s booming digital payment ecosystem.
