Daijiworld Media Network- Mumbai

Mumbai, Jul 29: India’s most trusted and widely used payment method—Unified Payments Interface (UPI)—is set to undergo a significant upgrade from August 1, 2025. As per new regulatory guidelines, several functional changes will come into effect, impacting how users interact with platforms like Google Pay, PhonePe, Paytm, and others.

Here are the top 5 rule changes that UPI users should take note of:

1. Daily Limits on Balance Checks and Account Views

In a move aimed at reducing background load on servers, UPI apps will now restrict users to:

• 50 balance checks per day per app, and

• 25 views of linked bank accounts daily.

This change may not affect casual users but could restrict fintech enthusiasts and those managing multiple accounts.

2. UPI autopay timing to shift to off-peak hours

Recurring UPI Autopay transactions—such as for EMIs, SIPs, and OTT subscriptions—will now be processed only during off-peak time slots:

• Before 10:00 am

• Between 1:00 pm – 5:00 pm

• After 9:30 pm

Users are advised to adjust their settings accordingly to avoid missed or delayed deductions.

3. Failed transaction status – limited retry attempts

If a UPI transaction fails, users will now get only 3 attempts to check its status, with a mandatory 90-second wait between retries. The change aims to reduce traffic strain on the system and provide a smoother experience overall.

4. No GST on UPI transactions

Despite ongoing misinformation, the government has clarified once again: no GST will be levied on UPI payments, irrespective of the transaction amount. End users making peer-to-peer or merchant payments will continue to enjoy zero transaction charges.

5. Recipient name mandatory before every payment

To further strengthen security and prevent mistaken transactions, UPI apps will now mandatorily display the recipient's registered name before confirming any payment. This added layer of transparency is expected to reduce fraud and user errors significantly.

India’s digital payment backbone gets smarter

The latest rules signify UPI’s maturation in handling growing traffic volumes and security concerns. While none of the changes are disruptive, they require users to stay informed and slightly modify their usage patterns. As India continues to lead in digital payments, this evolution is a step toward greater efficiency, safety, and user confidence.

Users are advised to update their UPI apps regularly and review their autopay settings to ensure a seamless transition.