UPI August Rules– Big news for UPI users. If you also avoid keeping cash and use UPI (Unified Payments Interface) facility every day, then this news is important for you. Actually, National Payments Corporation of India (NPCI) is going to implement new rules related to UPI payments from August 1, 2025
The purpose of these rules is to make the UPI system faster, safer and more reliable than before. Let us tell you about these rules in detail…
New UPI rules will be implemented from August 1
1. Limit for checking balance
Now UPI users will be able to check their account balance only 50 times on the app in a day. This limit has been imposed to control the traffic of the UPI system and prevent the system from slowing down.
2. Linked account information
Now you will be able to check which bank account your mobile number is linked to only 25 times a day.
3. Time slot fixed for auto pay payment
Now subscription-based auto debits (like Netflix or SIP etc.) through UPI will be processed only during non-peak times. That is, before 10 am, between 1 pm to 5 pm and after 9:30 pm.
4. Limit for checking UPI transaction status
If a payment is stuck, you will now be able to check its status only three times and there will be a gap of at least 90 seconds between each check.
Big changes in the last 6 months
1. Decreased API time limit for better speed
In June 2025, NPCI reduced the response time of UPI APIs to 15 seconds for Request-Pay and Response-Pay and to 10 seconds for transaction status check and failed transaction reversal. This increased the speed of transactions.
2. Beneficiary’s name will be visible before payment
From June 30, 2025, before making every UPI payment, you will now see the beneficiary’s name registered with the bank. This change is expected to drastically reduce fraudulent transactions.
3. Chargeback limit fixed
NPCI has fixed the limit of UPI chargeback in December 2024. A consumer can claim chargeback a maximum of 10 times in 30 days and up to 5 times with the same person or institution.