Hello Readers,
Get Ready to get the Full Detailed Information about the Latest New UPI Rules Starting From August 1, 2025.
UPI is the Favourite Transaction choice for Indians since many years and the new rules will surely make a huge impact to make this transaction method more effective.
Explanation of the changes and how it will affect your daily banking:
1. New Rule on Bank Balance Enquiry via UPI
Earlier, there were no restrictions on how many times you could check your bank balance through UPI apps. In fact, many apps used to perform automatic background balance checks without users even asking, which added unnecessary pressure on banking servers—especially during busy hours.
Under the new guidelines, you can now check your bank balance up to 50 times per day per app. If you use more than one app, the limit applies individually to each. Also, apps are no longer allowed to perform balance checks in the background on your behalf.
To make things smoother, your updated bank balance will now appear automatically right after every UPI payment you make. This change reduces the need for frequent manual checks and helps avoid hitting the new daily limit.
2. Now You Can Only View Your Linked Bank Accounts a Limited Number of Times
Earlier, UPI apps allowed you to link one or more bank accounts to your profile and check that list anytime you wanted. Whether you were trying to set up a new payment method or fix some issue, you could look at your linked accounts as many times as needed. But because users and apps were checking this information again and again, it was putting extra load on the system.
To reduce this burden, a new rule has come into effect from August 1st.
Now, you can only check your list of linked bank accounts 25 times in one day on each UPI app. If you try to view it more than that, it simply won’t work until the next day.
Also, if you face any error while checking and want to try again, you won’t be able to just keep tapping the same button. Instead, you’ll need to manually select your bank again before making another attempt. The system will no longer try to fix it automatically after failed tries.
So in short, you can still use your UPI app smoothly—but now with a daily limit when it comes to checking your linked bank accounts.
3. Checking Payment Status is Now Limited – Here’s What It Means
Sometimes when you make a UPI payment, it doesn’t go through right away. You’re left wondering—did it work or not? So naturally, people keep pressing the “Check Status” button again and again, hoping to get an update quickly. But when too many users do this at the same time, it puts a lot of pressure on the UPI servers and slows things down for everyone.
To avoid this issue, there’s now a new rule: you can only check the status of a pending UPI transaction three times, and you must wait at least 90 seconds (1.5 minutes) between each check.
This rule is designed to keep the system running smoothly, especially during peak hours. So next time your UPI payment is pending, don’t panic. Just wait patiently for at least 90 seconds before checking the status again. It’ll help you—and everyone else—get better and faster service.
4. New UPI Autopay Timings and Payment Attempt Rules
A lot of people use UPI Autopay to make regular payments like monthly subscriptions (such as Netflix or other OTT apps), loan EMIs, electricity bills, or other recurring charges. Earlier, these automatic payments could go through at any time during the day, but that sometimes led to delays or issues—especially when the UPI system was overloaded.
Now, according to the latest rules, these autopay transactions will only be allowed during certain times when the network is less busy. The new time slots for processing such payments are: before 10:00 AM, between 1:00 PM and 5:00 PM, and after 9:30 PM. This change is made to reduce pressure on the system during high-traffic hours.
If an autopay transaction doesn’t go through for any reason (like technical issues or low balance), the system will try again. In total, it will make four attempts—the first one plus three more retries—to complete the payment before giving up. This is to ensure that your important recurring payments have multiple chances to succeed.
5. Know Exactly Who You’re Paying Before You Send Money
Before you send money to anyone using a UPI app, there will now be an extra step to help you avoid mistakes or scams. The app will clearly show the full name of the person you’re about to send money to, along with a unique transaction ID. This is done so you can carefully check and make sure you’re sending the money to the right person. It gives you a chance to stop and review everything—like the name and ID—before you hit the final “pay” button. This new step is added just to protect you, so your hard-earned money doesn’t go to the wrong person by accident or due to fraud.
6. Stricter Rules: Big Punishments for Apps That Don’t Follow the New Guidelines
To make sure all UPI apps and payment companies follow the new rules properly, the authorities are going to take strict action against anyone who doesn’t obey. If any app or payment service provider breaks these rules or ignores the limits set by the government, they might have to face serious consequences. These could include things like being banned from adding new users, paying large fines, or having some of their services stopped. The main aim of these penalties is to make sure that all digital payment platforms play by the same rules and give users a safe and smooth experience.
7. UPI Will Still Be Free for Regular People
Lately, some people have been worried after hearing rumors that using UPI might soon cost money. But don’t worry—if you’re a regular user or a small business owner, nothing is changing for you. You can still send or receive money using UPI without paying any extra fees. It will remain completely free, just like before.
The only ones who might have to pay are the companies that help process UPI payments, like payment apps or aggregators. These service providers could be charged a small fee by banks for each transaction they handle. But this doesn’t affect you directly. For most people—whether you’re paying a friend, buying groceries, or accepting payments at a shop—UPI remains a free and convenient way to move money.
Why Are These UPI Changes Happening?
UPI (Unified Payments Interface) has become very popular in India. Nowadays, crores of people are using it every single day—for paying shopkeepers, transferring money to friends, buying things online, and even splitting bills at restaurants. Because so many people are using it at the same time, sometimes the system gets overloaded. This causes problems like delays in payments, failed transactions, or the app getting stuck—especially during festivals, salary days, or big online sales.
To fix these issues, some new rules have been made. These new changes will help in the following ways:
- They will reduce the number of extra and useless requests being sent to the servers, which will make the system work faster for everyone.
- They will help avoid payment delays or app crashes when a lot of people are using UPI at the same time.
- They will add more safety features so that people don’t send money by mistake and are better protected from fraud or scams.
In simple words, these changes are made to make UPI faster, smoother, and safer for all users.
