New UPI Rules: National Payments Corporation of India (NPCI) is going to implement new API Rules in UPI from August 1, 2025. These changes will limit many features of UPI users, which will have a direct impact on your daily digital transactions. NPCI has issued guidelines for banks and payment service providers (PSPs) like Paytm and PhonePe regarding these new services.
These changes will specifically affect services like balance checks, autopay, and transaction status checks. Let us know what will change after August 1, 2025, and which features you will not be able to use as before.
These 4 big changes in UPI from August 1, 2025
The new rules being implemented by NPCI are aimed at making the UPI system more efficient and secure, but it will bring some changes in the user experience:
Balance Information
Now you will be able to check your balance only 50 times a day from any one UPI app. If you use two apps, you can check the balance 50-50 times in both separately. You will not be able to get balance information more than this. This will be a big change for those who keep checking their balance frequently.
Autopay payment time restrictions
Autopay Mandates will no longer be possible during peak hours i.e. 10 am to 1 pm and 5 pm to 9:30 pm. These payments will be processed only during non-peak hours, which may cause delays in the autopay schedule. This is important for those who have set up autopay for rent, EMI, or subscription.
Transaction Status Check
If a transaction fails due to some error codes like network problem, the API calls to check the status repeatedly will stop. This means that users will not be able to know immediately whether the payment was successful or not. You may have to wait a while or use alternative methods to know the status of the payment.
List Account Details
Users will be able to check the list of accounts linked to their mobile number from an app only 25 times a day. This request will work only when the user selects the bank and agrees. This can be a hindrance for those who have multiple bank accounts linked to UPI and check them frequently.
Action will be taken for not following the rules
NPCI has ordered banks and PSPs (Payment Service Providers) to monitor API usage. If the rules are not followed, API restrictions, penalties, or bans on adding new customers can be imposed. All PSPs will have to commit to a system audit by August 31, 2025.
NPCI says that these rules are being made to make the system easier and safer. They argue that these changes will lighten the burden on the system by reducing unnecessary API calls, thereby increasing the speed and reliability of transactions. However, due to these changes, users may face some trouble in repeatedly checking balance, setting up autopay or checking status.