New Delhi: The National Payments Corporation of India (NPCI) has come up with a new set of rules for Unified Payments Interface (UPI) from August 1 2025. Their plan is to make the system steady and make settlement more efficient by reducing the unwanted or unnecessary load on servers while setting new guidelines for users.
They are going to put some limitations on usage like checking Balance enquiry, users have some limit to check bank account details, some changes in Auto pay mode and have limited attempt to check transaction status this helps to reduce load and make UPI transactions more seamless and responsive.
Limit of balance check
To check your available bank balance through UPI apps you have only 50 checking limits a day on each UPI app, you have to wait 24 hours to recheck your account balance once you use all 50 attempts. To prevent this your updated balance will display on your mobile screen after your successful transection
Linked bank account details check limit
UPI usually allows users to check the list of accounts linked to their mobile by a particular account provider, but now there is a view limit of 25 times per day to check the accounts which are linked with your UPI applications. In case you exceed the check limit then users have to wait for 24 hours.
Sets particular timing for Autopay
The automatic payment system of UPI, which is usually used for setting automatic payment systems for EMI, sim recharge or electricity bill, OTT subscription and many more, will be initiated only during non peak hours before 10 AM or after 9:30 PM. it helps them keep away the unwanted load to the server.
Few retries on Autopay failure
There are limited retries on auto failure, in order for each payment failure UPI allows one main attempt and three retries for per user, which make an overall four chance for a user. Which assists the server to keep away the unwanted load to the network while payment is failing.
Payment service providers like Paytm, Google pay, Phone pay and the Banks have got instructions from NPCI to implement these rules by July 31 2025. As a result of failure to implement these rule NPCI take necessary action including UPI API restrictions, penalties or on boarding new costumer.
Inputs from Ahsan khan.