New UPI Rules from August 1, 2025: Key Changes and Impact
Meta Description: New UPI rules from August 1, 2025, bring limits on balance checks, AutoPay time slots, and security updates. Learn how these changes affect users of Google Pay, PhonePe, Paytm, and BHIM.
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| New UPI Rules from August 1, 2025 Key Changes and Impact sangeethaoline |
Introduction: What Are the New UPI Rules from August 1, 2025?
The National Payments Corporation of India (NPCI) has introduced new UPI rules from August 1, 2025. These updates are aimed at reducing server load, improving transaction speeds, and ensuring better security for millions of users. The changes affect all major apps like Google Pay, PhonePe, Paytm, and BHIM.
At SARKARI SEVA KENDRA, we keep our customers updated with all digital payment. For queries, email spkseva@gmail.com or visit www.sangeethaonline.in. The updates include limits on balance checks, stricter AutoPay rules, and new security steps for inactive mobile numbers. These rules will not affect regular peer-to-peer transactions but will streamline non-payment activities like status checks.
Many digital payment users, small business owners, and freelancers will see minor changes in their UPI usage. For example, someone who checks account balance repeatedly in Google Pay may now hit the new limit.
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Key Changes in UPI from August 1, 2025
One major change is the daily balance check limit of 50 times per UPI app. If you use both PhonePe and Google Pay, you can check 50 times on each. This change will reduce unnecessary server calls and speed up payment processing. Another key rule is the 25 daily limit on viewing linked bank accounts per mobile number.
AutoPay transactions like EMI, OTT subscriptions, and utility bills will now be processed only during off-peak hours: before 10 AM, between 1 PM to 5 PM, and after 9:30 PM. This ensures smoother performance during high-traffic hours. For example, if you create a new AutoPay mandate at 8 PM, it will execute after 9:30 PM.
Security Measures and Transaction Limits
The transaction limit remains unchanged. You can still send up to ₹1 lakh per transaction for general payments and ₹5 lakh for healthcare, education, and tax payments. The maximum 20 transactions per day rule also continues. Regular payments to merchants or friends will not be impacted by the new rules.
A mobile number deactivation rule now ensures that any UPI-linked number inactive for 90 days will be removed from UPI systems. This helps prevent fraud when telecom companies reassign inactive numbers. For instance, if you stop using a number for three months, you will have to re-link UPI from scratch.
From June 30, 2025, all UPI apps show only the verified bank-registered name of the recipient. This feature eliminates the risk of fraud caused by misleading nicknames. At www.sangeethaonline.in, we guide users on secure digital payment practices and how to verify details before transferring money.
Impact on Users and Businesses
For regular users, these changes will have little impact. A typical user rarely checks balance more than 50 times in a day. However, heavy users or small businesses that handle bulk payments may need to plan transactions around the AutoPay time slots. For example, a store using AutoPay to pay vendors must now set payments during off-peak hours.
These updates bring system-wide benefits such as reduced downtime, faster payments, and stronger fraud prevention. Digital payment users should adapt to the new habits---check balances only when required and plan subscriptions ahead of time.
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