7 New UPI Rules From 1 August 2025: Paytm, PhonePe, GPay, BHIM Users Must Know About Latest Changes
Starting 1 August 1 2025, new set of UPI rules will come into effect, changing how UPI users use the service. The new rules pertains to balance check, checking bank account links and transaction status among other major things. Here's all Paytm, PhonePe, GPay, BHIM users need to know. https://zeenews.india.com/photos/business/7-new-upi-rules-from-1-august-2025-paytm-phonepe-gpay-bhim-users-must-know-about-latest-changes-2938564 Updated:Jul 30, 2025, 07:08 AM IST 7 New UPI Rules From 1 August 2025
1 / 8
The National Payments Corporation of India (NPCI), which oversees the UPI ecosystem, has implemented these new limits to relieve system strain and reduce issues like payment delays and unsuccessful transactions. According to the NPCI, this move will make UPI smoother and more reliable. Here are the UPI changes that are being implemented from next month. 1. Most-Used APIs On UPI Network
2 / 8
The NPCI recently issued a circular mandating banks and PSPs to limit the use of the most-used APIs on the UPI network. These APIs include balance inquiry, fulfilling autopay mandate and checking transaction status among others. The NPCI has said that repeated API (application programming interface) requests increase pressure on the UPI network, increasing the risk of system downtime. 2. Balance Checks Capped At 50 Times
3 / 8
UPI users will be able to check their account balance only 50 times per day, starting next month. According to the NPCI guidelines, UPI apps should limit balance enquiry requests to reduce the load in peak hours. So, it set a daily cap of 50 apps per customer in 24 hours. 3. Account List Access Limited To 25 Times
4 / 8
UPI users will be able to check bank accounts linked to their mobile number only 25 times a day per app, starting next month. 4. Transaction Status Check Limited To Three
5 / 8
The number of times you can check the status of a transaction will also be limited to three and there must be a minimum of 90 seconds gap between each check. 5. Changes To UPI AutoPay Features
6 / 8
Fixed time slots are being introduced by NPCI for UPI auto pay transactions. According to this, scheduled payments, such as EMIs, utility bills, subscriptions and auto payments, will be processed during specific windows rather than at random throughout the day. 6. Changes To Affect All UPI Users
7 / 8
The new limits will apply to all users across all platforms. They will be applicable to all individuals who use applications like Paytm, Google Pay, PhonePe or any other UPI payments app. These limits have been introduced to address users who repeatedly overload the system with requests. 7. Banks To Communicate About Available Balance
8 / 8
According to the directives of the NPCI, the issuer banks will have to notify users of the available balance in their accounts after every financial transaction.
Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles
Economic Times
33 minutes ago
- Economic Times
India lacks adequate risk capital to realise its $5 trillion economy ambition: Kamakodi
Synopsis City Union Bank's MD & CEO, N Kamakodi, stated that India needs to bolster its risk capital to achieve its USD 5 trillion economy goal, despite having sufficient capital. Sanatan Mishra of SBI highlighted the strength of Indian banks in funding growth and the transformative role of UPI in financial inclusion. He emphasized banks' readiness to finance capital expenditure. PTI India has the capital to support growth but lacks adequate risk capital to realise its USD 5 trillion economy ambition, City Union Bank MD and CEO N Kamakodi said on emphasised that while India is now the world's fourth-largest economy, its low per capita income due to a high population remains a major challenge. He was speaking at the launch of the banking and finance helpdesk at the Merchants' Chamber of Commerce & Industry (MCCI)."Entrepreneurs should lead and bankers should support," he said, noting that chambers of commerce play a pivotal role in driving the pointed out that while Germany relies on debt and the US on equity to fund their economies, India must focus on building its risk capital pool to meet long-term goals. State Bank of India General Manager (Network-II) Sanatan Mishra said Indian banks are currently at their strongest position to fund growth."UPI has become a game changer for low-ticket transactions and has enabled inclusive financial access," he said, adding that banks are well-capitalised and ready to finance capital expenditure, provided the private sector can absorb the credit.
Business Standard
2 hours ago
- Business Standard
UPI transactions hit record 19.47 billion in July 2025, cross Rs 25 lakh crore in value
India's Unified Payments Interface (UPI) surged to a new milestone in July 2025, recording an all-time high of 19.47 billion transactions, according to data released by the National Payments Corporation of India (NPCI). The figure marks a 5.8% rise over Junes 18.40 billion transactions and reflects a robust 35% year-on-year growth in transaction volume. In terms of value, UPI transactions for July touched Rs 25.08 lakh crore, up from Rs 24.04 lakh crore in June and representing a 22% YoY increase. The platform clocked an average daily transaction count of 628 million, with the daily transaction value averaging Rs 80,919 crore. May 2025, meanwhile, held the crown for the highest transaction value at Rs 25.14 lakh crore, even though its volume of 18.68 billion transactions was lower than July but slightly ahead of June. Interestingly, July came within striking distance of Mays value, while firmly establishing a new peak in transaction count. June, by comparison, lagged on both metrics.
News18
6 hours ago
- News18
'Alive And Kicking': PMO Underlines India's Growth Story After Trump's 'Dead Economy' Jibe
Last Updated: The PMO shared News18's piece on India's 6.5% GDP growth in FY25. The Prime Minister's Office (PMO) shared News18's opinion piece on Saturday, highlighting India's growing economy amid a row sparked by US President Donald Trump's 'dead economy" remark. India's Economy Is Alive And Kicking via NaMo App — PMO India (@PMOIndia) August 2, 2025 Earlier today, Prime Minister Narendra Modi asserted that India is on track to become the world's third-largest economy and hence must remain 'vigilant" about its economic interests. 'India is set to become the world's third-largest economy… therefore, India must remain vigilant about its economic interests. Our farmers, our small industries, employment for our youth… their interests are paramount for us. The government is making every effort in this direction," he said while addressing a gatheirng in Varanasi. What's In The Opinion Piece? It said that the Indian economy is 'alive and kicking" as the country achieved a commendable real GDP growth rate of 6.5 per cent in the fiscal year 2024–25 (FY25), with nominal GDP growth at 9.8 per cent. The current account deficit (CAD) is projected at a mere 0.9 per cent in FY26, while the fiscal deficit is estimated at 4.4 per cent, according to a CareEdge Ratings report. It said that under the leadership of Prime Minister Narendra Modi, India has undergone a transformative economic journey with a focus on infrastructure development and digitalisation. The proliferation of digital infrastructure, including UPI and broadband connectivity, has formalised the economy, enhanced financial inclusion, and driven growth in the services sector. As of December 2024, India had an astounding total of 944.97 million broadband subscribers — 903.78 million wireless and 41.19 million wireline. What Rahul Gandhi Said? Congress leader Rahul Gandhi had endorsed the US President's 'dead economy" remark, saying that the Republican leader is right in saying that the Indian economy is 'dead". When asked to comment on Trump's dead economy remark, Rahul Gandhi said that he agreed with the US President. 'Yes, he is right. Everybody knows this except the Prime Minister and the Finance Minister. Everybody knows that the Indian economy is a dead economy. I am glad that President Trump has stated a fact… The entire world knows that the Indian economy is a dead economy. BJP has finished the economy to help Adani…" Gandhi said. Gandhi further alleged that the BJP government has destroyed India's economic, defence and foreign policy. 'PM Modi works only for one person- Adani. This (India-US trade) deal will take place, and PM Modi will do exactly what Trump says," he said. Trump's 25% Tariff Move Earlier this week, the US President had announced to impose a 25 per cent tariff on all goods coming from India starting August 1, plus an unspecified penalty for buying Russian crude oil and military equipment. In a post on his social media platform Truth Social, Trump cited India's high tariffs, stringent non-monetary trade barriers, and continued military and energy ties with Russia as the basis for the move. He had also criticised India's trade policies and its ties with Russia. In his post, Trump dismissed concerns over India's relationship with Moscow, stating, 'I don't care what India does with Russia. They can take their dead economies down together, for all I care." Get breaking news, in-depth analysis, and expert perspectives on everything from politics to crime and society. Stay informed with the latest India news only on News18. Download the News18 App to stay updated! view comments First Published: Disclaimer: Comments reflect users' views, not News18's. Please keep discussions respectful and constructive. Abusive, defamatory, or illegal comments will be removed. News18 may disable any comment at its discretion. By posting, you agree to our Terms of Use and Privacy Policy.
