The New UPI Rules 2025 are officially in effect from August 1, 2025. Issued by the National Payments Corporation of India (NPCI), these rules aim to enhance security, reduce fraud, and streamline digital transactions across apps like Google Pay, PhonePe, and Paytm.
According to NPCI’s circular dated May 21, 2025, these updates regulate balance enquiry, auto payments, bank details access, and transaction visibility. Let’s break down the 6 key changes under New UPI Rules 2025 with real references.
1. Balance Enquiry Limits under New UPI Rules 2025
With the New UPI Rules 2025, users can now check their bank balance only 50 times a day on UPI apps.
Why this matters: Earlier, unlimited balance checks created high API load, especially during peak hours. Now, apps may restrict balance enquiries to keep the system smooth.
Additionally, after every transaction, the updated available balance will be displayed — reducing the need for multiple checks.
2. Auto Payment Processing in New UPI Rules 2025
Auto payments like subscription renewals and utility bill payments are widely used. The New UPI Rules 2025 now ensure that such payments are processed only during non-peak hours — before 10 am, between 1–5 pm, and after 9:30 pm.
Example: If your autopayment is scheduled at 11 am, it may be deducted before or after that slot to avoid API overload.
In case of a failure, retries will be allowed, but if unsuccessful, the autopayment request will be cancelled.
3. Accessing Bank Details under New UPI Rules 2025
Another big change in the New UPI Rules 2025 is the restriction on checking bank details.
Users can now view the list of banks linked to their mobile number only 25 times a day. This ensures better regulation and prevents misuse.
Customers will need to initiate requests by selecting the issuer bank manually on the UPI app.
4. Transaction Status Update with New UPI Rules 2025
Many users often face the issue of “money debited but not received” during peak hours.
The New UPI Rules 2025 fix this problem by ensuring that unconfirmed payments are updated within seconds, instead of remaining in a pending state.
However, customers can now check the payment status only 3 times, with a mandatory 90-second gap between each attempt.
5. Recipient Details in New UPI Rules 2025
To tackle fraud and wrong transfers, the New UPI Rules 2025 make it mandatory for UPI apps to show the recipient’s registered name before every transaction.
Example: If you transfer money to “Rohan Kumar,” the app will display Rohan Kumar’s registered name + Transaction ID before you hit confirm.
This step ensures money is sent to the right person every single time.
6. Penalties for Non-Compliance in New UPI Rules 2025
NPCI has clearly mentioned that payment service providers failing to implement the New UPI Rules 2025 will face penalties.
These actions can include:
- Restrictions on UPI API access
- Suspension of onboarding new customers
- Financial penalties as per NPCI guidelines
This enforcement ensures that UPI apps strictly follow the new compliance measures.
Evidence & Source
All these changes were officially announced by NPCI in its circular dated May 21, 2025, and reported by HT News Desk on August 1, 2025. These guidelines are applicable to all UPI apps in India, ensuring smooth digital payment operations.
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