Starting August 1, 2025, the National Payments Corporation of India (NPCI) will implement major changes to the Unified Payments Interface (UPI) system. These updates aim to improve transaction speed, reduce server load, and enhance user security across platforms like PhonePe, Google Pay, and Paytm.
What’s Changing from August 1?
1. Daily Balance Check Limit
Users will be allowed to check their account balance only 50 times per day per UPI app. This is intended to reduce unnecessary server requests.
2. Linked Account Info Limit
You can now view which bank accounts are linked to your mobile number up to 25 times per day.
3. Fixed Time Slots for Autopay
Autopay services (e.g., Netflix subscriptions, SIPs) will be processed only during non-peak hours:
- Before 10:00 AM
- Between 1:00 PM and 5:00 PM
- After 9:30 PM
4. Transaction Status Check Limit
If a payment is stuck, users can check its status only 3 times, with a minimum 90-second gap between each attempt.
Additional Security Measures
- Beneficiary Name Display: Before completing a payment, the recipient’s bank-registered name will be shown to prevent fraud.
- Chargeback Limits: Users can raise up to 10 chargebacks per month, with a maximum of 5 for the same recipient.
Why These Changes Matter
With over 16 billion UPI transactions per month, repeated balance checks and status refreshes have been causing system slowdowns and outages. NPCI’s new rules are designed to:
- Improve transaction speed
- Reduce backend overload
- Enhance payment reliability and security
These changes mark a significant shift in how UPI will function from August 1, 2025. Regular users should adapt their habits to ensure smoother and safer digital transactions.
