NPCI’s new UPI rules effective August 1, 2025, which affect users of Google Pay, PhonePe, Paytm, and other UPI apps. National Payments Corporation of India. It is an organization set up by the Reserve Bank of India (RBI) and Indian banks to facilitate digital payment services in the country. NPCI plays a major role in developing and managing payment systems like UPI, RuPay, and IMPS.
New Under the Rules are about
- Balance Check Limit
You can view your bank balance up to 50 times per day per UPI app, preventing abuse of the API. To offset this limit, your balance will now display automatically after each UPI transaction. - Bank Account List View Limit
You can access the list of linked bank accounts a maximum of 25 times per day per app, to reduce system load. - Transaction Status Checks
If a transaction is pending, you can check its status only 3 times, with at least 90 seconds between each check.
UPI apps are now required to report payment success or failure within seconds, improving transparency. - Auto‑Payment (Recurring Mandates) Timing
Scheduled UPI auto-debits (like for subscriptions or EMIs) will be processed only during non-peak hours:
Before 10 AM,
Between 1–5 PM,
After 9:30 PM.
If a payment is missed, retry attempts will be made before cancellation to avoid failures. - Recipient Name Display
Before confirming any money transfer, your UPI app must show the recipient’s registered name and bank, to reduce incorrect transfers and fraud. - Penalty for Non‑Compliance
NPCI’s circular (May 21, 2025) states that not following these guidelines may lead to API access restrictions, suspension of onboarding new users, or other disciplinary actions.
