UPI Rule Changes from February 14, 3 Major Updates Every User Must Know

UPI: Starting February 14, 2026, significant changes are being implemented regarding UPI. The NPCI has rolled out these new regulations to enhance the speed, security, and efficiency of UPI, reducing the strain on bank servers. Nowadays, people commonly use applications like Google Pay, PhonePe, and Paytm for making payments, settling bills, and scanning QR codes in stores. These updates will impact all users, including both regular individuals and merchants.

The first update involves a limit on balance inquiries. Each UPI application is now permitted to check your bank account balance only 50 times a day. If you utilize two apps, the total limit will be 100. This adjustment aims to alleviate unnecessary pressure on banking systems and facilitate smoother transactions.

Limit on Accessing Account Information

Another significant update is the restriction on accessing account information. Requests to view bank account details linked to the List Accounts API can now be made only 25 times per day within each app. In the past, users frequently checked their details, which caused server strain. This has now been limited to ensure improved system performance. These new rules are unlikely to affect average users significantly, as most individuals do not check their accounts that often. However, those who previously checked frequently will need to plan their inquiries more carefully.

Credit Line Payments

The third update pertains to credit line payments. This will commence in August 2026, but some preliminary rules will take effect starting February 2026. You will now be able to make payments or withdraw funds from a pre-approved credit line using UPI, similar to a credit card, but without needing a physical card. This enhancement will empower UPI, particularly for those who rely on small loans or credit. It will simplify digital payments while also emphasizing security.

NPCI has made these changes because UPI handles transactions worth lakhs of crores daily. These steps have been taken to reduce failed transactions, prevent fraud, and strengthen the servers. Users will enjoy a more secure and faster experience.

If you use UPI daily, be mindful of these limits. These changes are making UPI even better. Digital payments in India are leading the world, and these regulations will further strengthen it. This will ensure better system performance and faster transactions.