New UPI Rules from August 1, 2025: Key Changes, Limits

New UPI rules from August 1, 2025, include limits on balance checks, autopay timings, transaction status updates, and account access. Learn how these changes impact your UPI transactions.

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With over a billion transactions processed monthly, the Unified Payments Interface (UPI) has revolutionised digital payments in India. To further streamline this system and enhance security, the National Payments Corporation of India (NPCI) has implemented new UPI rules from August 1, 2025. These changes aim to curb fraud, reduce system overload during peak hours, and ensure a smoother user experience.

If you regularly use UPI apps like Google Pay, PhonePe, Paytm, or BHIM, here’s what you need to know.

Key Highlights of New UPI Rules 2025

The new UPI rules, effective August 1, 2025, introduce daily limits on balance and bank detail checks, restrict autopay timings to non-peak hours, and ensure faster transaction status updates. Users will now see the recipient’s name before payment, and UPI apps must comply with stricter National Payments Corporation of India (NPCI) guidelines to enhance security, reduce fraud, and improve transaction reliability.

Feature	Old Process	New UPI Rules from August 1, 2025
Balance Checks	Unlimited	Max 50 times/day; may be limited during peak hours
Autopay Timing	Anytime	Only during non-peak windows: – 12 AM – 7 AM (Some NPCI versions state: Before 10 AM, 1–5 PM, after 9:30 PM)
Autopay Attempts	Unlimited retries	1 main attempt + 3 retries per mandate
Transaction Status	Often showed “pending”	Now must show success/failure within seconds Only 3 status checks allowed, 90 seconds apart
Linked Bank Account Checks	No limit	View bank list 25 times/day/app only
Recipient Name Visibility	Often not visible	The registered name is shown before the transaction
Penalties for Non-compliance	Not defined	API restrictions, onboarding suspensions, and monetary fines for UPI apps

Detailed Breakdown of the New UPI Rules

1. Limited Balance Enquiries

You can now check your UPI-linked bank balance only 50 times per day. NPCI may further restrict or block such requests during peak transaction hours to reduce system stress. Additionally, balance visibility will now be available automatically with each transaction.

2. Restricted Autopay Timings

Recurring UPI payments like SIPs, OTT subscriptions, and life insurance premiums will only be processed between 12 AM and 7 AM (some NPCI guidelines allow alternate slots as well). This aims to offload the traffic from high-usage times. You’ll get 1 main attempt and 3 retries for payment deduction. If all attempts fail, the mandate will be cancelled.

3. Faster Confirmation of Pending Transactions

One of the most frustrating UPI experiences is a pending status that lasts for minutes or even hours. From now on, transactions must resolve within seconds, showing either success or failure. Users can only check the status 3 times, with a minimum 90-second gap.

4. Account Details Visibility and Consent

Users can now check which banks are linked to their mobile number via the UPI app only 25 times a day. You must give explicit consent each time before viewing these details. This limits misuse and enhances privacy.

5. Recipient Name Before Payment

Before sending money, the receiver’s registered name will be displayed on your screen to prevent mistakes and fraud. This transparency will help users avoid transferring funds to the wrong person.