Digital payments in India are about to get a major upgrade! The Central Government is rolling out new features to make the Unified Payments Interface (UPI) more secure, convenient, and future-ready — with fingerprint and facial recognition authentication set to change how we pay.
Here are the 7 key updates every UPI user should know:
1. No More PINs!
Soon, you won’t need to type your UPI PIN for every transaction. Payments will become PIN-free, verified instead through biometric methods.
2. Fingerprint or Face Unlock for Payments
Just like unlocking your phone, you’ll soon be able to approve UPI payments using your fingerprint or face scan — ensuring faster and safer authentication.
3. Daily Limit of ₹5,000
For added safety, the biometric UPI transactions will have a maximum limit of ₹5,000 per day. The regulator may tweak this limit later.
🔹 4. Reset Your PIN with Face ID
Forgot your UPI PIN? No problem. You’ll soon be able to reset or set a new UPI PIN using Aadhaar-based facial verification right within your UPI app.
🔹 5. Stronger Security with Encryption
Every biometric transaction will be verified by banks using advanced cryptographic checks, making payments simpler, faster, and much more secure.
6. User Consent Is Key
Each time you switch to a new device, you’ll need to re-approve biometric authentication to keep your account safe from misuse.
7. Biometric–PIN Link
If you change or reset your UPI PIN, banks will automatically disable your biometric feature across apps. Also, if there’s no activity for 90 days, your account will be marked inactive — and can only be reactivated with your confirmation.
With the Reserve Bank of India pushing for a revamped UPI framework, this marks a major shift from SMS-based verification to two-factor biometric authentication — a leap toward a more secure digital India.