UPI Rules Changing from August 1: New Limits, Autopay Timings, and More You Need to Know

There is an essential update you need to know about if you use UPI apps like PhonePe, Google Pay, or Paytm on a regular basis.The National Payments Corporation of India (NPCI) is putting new rules into effect on August 1, 2025.These rules are meant to make the UPI system faster, safer, and more dependable. You will have to check your balances, keep track of payments, and use features like autopay differently because of these changes. 

Here's a brief list of what's changing: 

New Limits on Checking Your Balance and Account 

You can now only check your account balance 50 times a day for each UPI app. You can also only check information about linked bank accounts (using your cellphone number) 25 times a day. This is to keep the system from getting too many API queries, which slow it down. 

Set Times for Autopay 

Payments for things like Netflix, SIPs, and other auto-debits that are based on subscriptions will now only be performed during "non-peak hours" like before 10:00 am, between 1:00 pm and 5:00 pm and after 9:30 pm. This helps lighten the load on the server when it's busy. 

Limited Checks on Transaction Status 

You can now only verify the status of a UPI transaction three times, with a 90-second break between each check. The goal of this update is to cut down on server overload caused by refreshing too often. 

Things You Should Know About Recent Changes:

• Faster Transaction Processing: Starting in June 2025, UPI responces took only 10 to 15 seconds, which speed up payments and made it easier to reverse them if they failed.
• Display of Real Beneficiary Name: Starting June 30, you will see the actual bank-registered name of the person you are paying. This helps keep fraud from happening.
• Chargeback Limit Set: You can now only raise a chargeback 10 times in 30 days, and only 5 times for the same individual or business.

Why These Rules Are Important 

UPI processes more than 16 billion transactions every month, and recent interruptions have made things hard for consumers. NPCI noticed that a lot of problems were caused by users frequently checking their balances or the status of their transactions.The goal of these new limits is to make the platform more stable and easier to use for everyone by taking some of the load off of UPI servers. 

These adjustments are aimed to protect the future of UPI, which has changed the way people pay for things online in India.Users may keep having a fast, safe, and smooth UPI experience as long as they understand and follow the new guidelines.

This article is based on information from Financial Express