Starting August 1, 2025, the National Payments Corporation of India (NPCI) will roll out a new set of rules for Unified Payments Interface (UPI) platforms like Paytm, PhonePe, and Google Pay. These changes aim to improve system reliability, reduce transaction failures, and streamline backend operations during peak hours.
Key Changes Coming to UPI
- Balance Check Limits
Users can now check their account balance only 50 times per day per app, a significant shift from the previously unlimited access. - Linked Account View Restrictions
The number of times users can view their linked bank accounts is capped at 25 times daily. - Autopay Time Slots Introduced
Recurring payments like EMIs, subscriptions, and utility bills will be processed only during non-peak hours:- Before 10 AM
- Between 1 PM and 5 PM
- After 9:30 PM
- Failed Transaction Status Checks
Users can now check the status of a failed transaction only three times, with a mandatory 90-second gap between each attempt. - Recipient Name Display
Every UPI transaction will now show the registered name of the recipient before confirmation—an added layer of fraud protection. - No GST on UPI Transactions
Despite rumors, UPI remains GST-free, even for transactions above ₹2,000.
Why These Changes Matter
India’s UPI system now handles over 18 billion transactions monthly, accounting for 85% of domestic digital payments and nearly 60% globally, according to the IMF. The new rules are designed to reduce server overload and ensure smoother performance for all users.