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NPCI Enforces New UPI Guidelines from August 1, 2025 to Streamline Digital Payments and Reduce Network Load.

Banking & Finance | Dated: 04 Aug 2025

To enhance the efficiency and reliability of digital payments, the National Payments Corporation of India (NPCI) has enforced new guidelines under the Unified Payments Interface (UPI) system, effective from August 1, 2025. These rules, issued in May 2025, are aimed at streamlining user activity, safeguarding user privacy, and reducing digital congestion on the UPI network.

🎯 Key Highlights:

  • - NPCI has directed all Payment Service Providers (PSPs), including Google Pay (GPay), PhonePe, and Paytm, to implement the new UPI changes by July 31, 2025. These PSPs are required to upgrade their systems to comply with the revised policies to ensure uniformity across the UPI ecosystem.
  • - Under the new guidelines, a Balance Enquiry Limit has been introduced, restricting users to a maximum of 50 balance checks per day per UPI application through manual requests. Any background or automated balance checks triggered by applications are now strictly disallowed to minimize unnecessary server load.

💡 Other Important Facts:

  • (i) Another significant rule pertains to List Account access. UPI applications can now check and list the linked bank accounts of users only up to 25 times a day per user, to strengthen user data privacy and prevent overutilization of banking resources by third-party apps.
  • (ii) The guidelines also enforce a new rule for Autopay transactions. All PSPs must schedule autopay executions only during non-peak hours to reduce traffic congestion during high-demand periods, ensuring smoother transaction flows across the system.
  • (iii) Lastly, penalties have been introduced for non-compliance. If any UPI application or PSP fails to follow these guidelines, they may face restricted access to UPI APIs (Application Programming Interfaces), onboarding limitations for new users, and technical or regulatory consequences as imposed by NPCI.

📚 Test Your Knowledge:

As per NPCI’s new UPI rules effective August 1, 2025, how many times can a user check their bank balance manually via a UPI app per day?

Correct Answer: 50 times

🚀 Quick Recap:

About National Payments Corporation of India (NPCI)

  • MD 7 CEO : Dilip Asbe
  • Headquarter : Mumbai