New UPI Rules Effective August 1, 2025: NPCI’s Big Changes Explained

New UPI Rules Effective August 1, 2025: NPCI’s Big Changes Explained

Digital payments in India are getting an upgrade. The National Payments Corporation of India (NPCI) has announced a new set of UPI rules kicking in from August 1, 2025. These changes – aimed at making UPI safer, more efficient, and more stable under heavy loads – include daily caps on routine actions, re-scheduled timing for automated payments, and extra fraud checks. If you use a UPI app (Google Pay, PhonePe, Paytm, etc.), you’ll notice limits on things like balance inquiries and autopayments. In simple terms, the highway of UPI payments is getting some new traffic signals to prevent jams and accidents. New UPI Rules at a Glance The table below summarizes the key changes coming to UPI from Aug 1, 2025. These rules apply per user, per UPI app unless noted otherwise: Rule New Limit / Change Balance Enquiries Maximum 50 checks per day per app . After each transaction, the new balance will be shown automatically. Apps can pause balance checks during peak times. AutoPay (Recurring Payments) Auto-d…