New rules issued to govern UPI payment system from today

STC NEWS DESK
SRINAGAR, AUGUST 01 (STC): A new set of rules governing Unified Payments Interface, popularly known as UPI, have been rolled out by the National Payments Corporation of India (NPCI) to be effective from today (August 01).
It is a system that facilitates instant fund transfers between bank accounts. UPI was developed by the and allows users to link multiple bank accouA set of new UPI rules have kicked in from today, 1 August 2025, as per mandates set by the National Payments Corporation of India (NPCI). The UPI rule changes from today have been implemented to improve how the online payment system works.
As per the new rules, starting today, you will not be able to check your bank balance on your PhonePe, Google Pay and other apps for an unlimited number of times, which has been now capped at 50.
However, you will be able to view your bank balance after each transaction. The UPI new rules also include processing scheduled bill payments during fixed hours – before 10 am and after 9:30 pm. Additionally, users will be able to check the status of a pending transaction only three times at a gap of 90 seconds.
Notably, GPay users will be mandated to abide by the NPCI changes. These include the bank balance cap, displaying of bank balance, and checking the status of pending transactions.
⁠A user can make a maximum of 20 UPI transactions per day, with a daily limit of ₹1 lakh.
For new users, there is a UPI transfer limit that is often put in place. Banks usually allow a UPI transfer of ₹5,000 per transaction and a cumulative ₹5,000 for the initial period for new users within the first 24 hours.
The UPI new rules also include processing scheduled bill payments during fixed hours. This has been done to ease the burden on the daily UPI transactions. Auto payments to merchants or scheduled OTT platforms will now be done before 10 am or after 9:30 pm — during non-peak hours.
(STC)