Major changes that come into effect from August 1, 2025
1. Limit for Balance Verification
Under new rules, users have limited limits to verify the balance in their UPI applications:
Limit in each UPI application: In each UPI application (for example, Google Pay, Phone, Paytm), you can only check your account balance for a maximum of 50 times a day.
Linked Bank Accounts Information Limit: Information of bank accounts linked to your mobile number (for example, which bank accounts are linked to UPI, their status) is allowed only 25 times a day.
Reason: Frequent Balance Checking is an unnecessary burden on servers. By implementing these limits, the NPCI intends to increase the efficiency of the servers by regulating unnecessary requests.
2. Changes in Auto Debit payments
Self-debit payments (for example, Netflix, Amazon Prime subscriptions, monthly bill payments, mutual fund SIPs) are also subject to new rules. To reduce the pressure on servers in Peak Hours, three specific time slots are scheduled for processing these payments:
Before 10 am: Auto debit payments are processed during this period.
Between 1pm and 5pm: This is a second scheduled time slot.
After 9:30 pm: It is scheduled for the third and final slot.
Reason: By processing self-debit payments in the prescribed time, the simultaneous load on the servers is reduced. This improves the overall stability of the UPI system and reduces any delays or failures that can occur during traffic.
3. Restriction for transaction status verification
If your UPI transaction is pending (pending), the restrictions are now imposed to check its condition:
Check only three times: You are allowed to check the status of a transaction three times a maximum of three times.
Spacing between each effort: There must be a mandatory 90 -second gap between the attempt to review each transaction status.
Reason: Refreshing the status of frequent transactions by users causes an unnecessary load on the servers. This rule can help reduce unwanted requests and use server resources more effectively. This rule is expected to cause some disadvantage to some, but it is necessary for the overall health of the system.