Written By: Danish
From August 1, UPI apps will restrict balance checks to 50/day & linked account views to 25/day to reduce system overload.
Frequent balance checkers & multi-account users will be most affected. NPCI aims to stabilize UPI's 7,000+ transactions/second load.
UPI handles 16B daily transactions! Even 1-minute downtime affects 4L users. New rules prevent crashes like April's 5-hour outage.
Recurring payments (Netflix, SIPs) will process only in off-peak hours: before 10AM, 1PM-5PM, or after 9:30PM.
Banks & payment apps must implement these changes by July 31. Reduces unnecessary API requests causing system failures.
New limits ensure smoother UPI experience by cutting server load. Fewer disruptions expected during high-traffic periods.
Adjust payment habits now! Track balances wisely and schedule auto-debits in allowed slots to avoid transaction failures.