New Rules: New rules will be implemented for UPI from August 1, GPay, PhonePe, Paytm users will see these changes..

New rules related to UPI are coming into effect from August 1, 2025. If you make payments daily through Paytm, PhonePe, GPay, or any other UPI app, then these changes are important for you. The National Payments Corporation of India (NPCI), which manages the UPI system, has set these limits so that the pressure on the system is reduced and problems like transaction failure or delay are reduced. These changes will not affect important transactions, but limits are being imposed on things like balance checks and status refresh. NPCI says that this will make UPI smoother and reliable, especially when more people transact simultaneously.

What new limits will be imposed on UPI from August 1?

From next month, UPI users will be able to check their account balance only 50 times. Apart from this, users who frequently check the bank accounts linked to their mobile number will also be able to do so only 25 times. These limits have been introduced so that there is no unnecessary load on the system, which often slows down the speed or fails the transactions.

Will there be any impact on AutoPay as well?

Yes, NPCI is now introducing fixed time slots for UPI AutoPay transactions. This means that scheduled payments like subscription, EMI, electricity, and water bills will no longer happen randomly throughout the day, but will be processed at the scheduled time. This is definitely a technical change, but it will reduce the congestion on the system and improve the speed.

Will every UPI user be affected?

In short, yes. Whether you use UPI once a day or 20 times, these limits will apply to everyone. However, if you do not check the balance or status frequently, then there will be no major problem for you. These changes have actually been made keeping in mind those heavy users who knowingly or unknowingly put more load on the system.

Has the transaction amount limit changed?

No. The payment limits will remain the same as before - up to Rs 1 lakh per transaction in most cases and up to Rs 5 lakh in some categories like healthcare or education. These limits will remain unchanged with the August 1 update.

FAQs:

Do users have to do anything?

No, you don't need to do anything. These new rules will be automatically implemented through your UPI apps. Just keep an eye on the limits to avoid problems like transaction blocks during the day.

Will merchants and billers be affected?

Yes, a little bit. Now AutoPay transactions will happen in fixed time slots, so businesses that do automatic collections through UPI will have to tune in to their timings. But for most users - whether it's mobile recharges or subscriptions like Netflix - everything will continue as before.

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