New restrictions aim to enhance UPI security
New UPI Rules 2025 Enforced by NPCI: The National Payments Corporation of India (NPCI) has rolled out new operational guidelines for Unified Payments Interface (UPI), effective from 1 August 2025. These reforms are meant to manage traffic load, curb misuse, and increase safety across India’s real-time digital payment network.
These changes follow the rapid expansion of UPI usage, with over 13 billion monthly transactions in 2025. The rules focus on limiting access frequency, structuring payment timings, and improving transparency in transactions.
Balance enquiry now restricted to 50 times per day
A significant change is the daily cap of 50 balance enquiries per user. This step has been taken to reduce server load on banking systems and discourage unnecessary queries.
Static GK fact: UPI was launched in April 2016 by NPCI, under the supervision of RBI and IBA.
Viewing bank account details capped at 25 times daily
To improve data protection, users will now be allowed to view their linked bank account details only 25 times per day. This aims to limit the risk of sensitive information being exposed via third-party apps or compromised sessions.
Auto-payments time slots introduced
Another major change involves the processing of auto-debit mandates for recurring payments like subscriptions and utility bills. These will now be executed only during three time windows:
- Before 10:00 AM
- Between 1:00 PM and 5:00 PM
- After 9:30 PM
This ensures better transaction load balancing and reduces failure rates during peak usage hours.
Pending transaction checks limited
Users can now check the status of pending UPI transactions only three times, with a mandatory 90-second gap between each attempt. This is designed to reduce unnecessary hits on the server and streamline the backend verification process.
Improved transparency before confirmation
To combat fraudulent activities and accidental transfers, NPCI has mandated that the recipient’s name and transaction ID must be shown on the screen before final payment confirmation. This move will empower users to verify details before committing any payment.
Static GK Tip: NPCI also operates other major platforms like IMPS, Rupay, AePS, and NACH.
Summary of changes
These reforms reflect NPCI’s focus on making India’s digital payment ecosystem more secure, user-friendly, and stable. Aspirants must stay updated, as such UPI reforms directly impact questions under Digital India, Financial Inclusion, and Banking Awareness topics in exams.
Static Usthadian Current Affairs Table
New UPI Rules 2025 Enforced by NPCI:
| Fact | Detail |
| New UPI rules effective date | 1 August 2025 |
| Balance enquiry limit | 50 times per day |
| Bank account view limit | 25 times per day |
| Auto-payment processing windows | Before 10 AM, 1–5 PM, After 9:30 PM |
| Pending transaction check limit | 3 times with 90 seconds gap |
| Fraud prevention measure | Recipient’s name and transaction ID shown before confirmation |
| NPCI full form | National Payments Corporation of India |
| UPI launch year | 2016 |
| NPCI other services | IMPS, Rupay, AePS, NACH |
| Regulatory bodies over NPCI | RBI and IBA |
