Unified Payments Interface (UPI) has revolutionized digital payments in India. With over 10 billion transactions recorded monthly, UPI remains at the forefront of digital financial inclusion. However, starting August 1, 2025, the National Payments Corporation of India (NPCI) has rolled out new UPI rules aimed at improving system efficiency, reducing server loads, and enhancing user security.
If you’re an active UPI user, understanding these updates is essential. Here’s a detailed guide to the new UPI rules August 2025 and how they may impact your daily transactions.
Until now, users could check their bank balance unlimited times through UPI apps. This has changed. You can now check your balance a maximum of 50 times per day per UPI app.
This rule has been introduced to curb excessive traffic and prevent misuse of banking APIs. If you’re someone who checks balance repeatedly across apps like PhonePe, Google Pay, or Paytm, you’ll now have to be more mindful.
Users will now be allowed to view their linked bank accounts up to 25 times a day. This includes checking account details under the “Manage Account” section in most apps.
This move is expected to reduce unnecessary API requests, thereby improving response time and overall app stability.
This is one of the biggest changes in the latest UPI guidelines. Users can now check the status of a UPI transaction only three times a day, with a minimum 90 seconds gap between each try.
This rule aims to minimize server strain caused by users continuously checking failed or pending transactions.
UPI Autopay – a popular feature for automating payments for OTT subscriptions, EMIs, and insurance premiums – will now work only before 10 AM and between 1 PM to 5 PM.
This timing restriction ensures bulk processing is handled during off-peak hours, helping banks optimize system loads.
To prevent abuse of the refund system, users will now be allowed a maximum of 10 chargebacks and 5 payment reversals per month.
Users need to raise disputes more carefully and avoid frequent chargebacks unless absolutely necessary.
For enhanced transparency, you will now see the name of the receiver’s bank before completing a UPI transaction.
This step ensures users verify the bank of the recipient before sending high-value or sensitive payments, thereby reducing cases of misdirected funds.
According to NPCI and major participating banks, the exponential rise in transaction volumes has led to technical bottlenecks and misuse of features. These new UPI rules August 2025 are designed to:
Here’s how you can adapt to the new UPI guidelines:
These steps not only ensure smoother transactions but also protect your account from potential misuse.
The UPI rules effective August 2025 are not here to restrict users but to streamline a system that has grown rapidly. With billions of transactions happening every month, the updated norms are a step towards long-term sustainability and user safety.
Stay updated. Stay secure.
