New upi rule: The government has given very good news to UPI users. The National Payments Corporation of India has made a big change in the rule of payment through UPI. Now users can also send the amount of gold loan, business loan and FD through UPI. The loan account can also be linked to the UPI account. With this, you will be able to make payment from credit cards to business loan from UPI app like Paytm, PhonePe, Google Pay. This rule will be applicable from 1 September 2025.

Will be able to withdraw loan money without going to the bank

NPCI recently took many important decisions to make the payment method more easy and secure. Now it has been announced to increase the scope of payment once again. At present, UPI users will be able to link only savings account or or overdraft account to UPI. Payment can be made only through them. Some Rupay Credit Card has also been linked to UPI, but their number is less. Now with the new rule, customers will be able to withdraw money from gold loan and personal loan online without going to the bank.

NPCI decided some rules

The current rules of UPI have the facility of P2M money transfer, but with the implementation of the new rule, P2P will be able to do P2PM transactions. You will be able to withdraw cash. However, NPCI has also fixed some rules for this, such as users will be able to pay up to Rs 1 lakh in a day. Also, the limit to withdraw cash in a day is only Rs 10000. Apart from this, the limit of P2P Daily Transaction has also been increased to 20.

With this, the bank will also decide which payment you will be able to make through UPI. Suppose you have taken a personal loan, then allow loan money for the bank hospital bill or school or college fees. This facility will be especially beneficial for small traders who take a business loan of up to Rs 2-3 lakh and every time they will not have to cut the bank repeated rounds to pay.

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If you use Unified Payments Interface (UPI), then this news is very important for you. The National Payments Corporation of India (NPCI) has issued a new rule, according to which UPI services will not work on mobile numbers being used from April 1, 2025. This step has been taken to prevent fraud and unauthorized transactions.

What is the new rule?

According to NPCI, if a mobile number is not used for 90 days, then it will be dealled from the respective bank accounts. Its purpose is to increase the security of the UPI system and reduce the risk of fraud.

What is the danger from inactive numbers?

Actually, telecom companies allocate inactive numbers to new users. In such a situation, if the UPI account of the old user is linked to that number, then the new user can make unauthorized transactions. NPCI has taken this decision to reduce this risk.

What if your number is inactive?

If your mobile number is inactive and is linked to your bank account, then you will not be able to use UPI services. This means that there will be difficulty in transacting on payment apps like Google Pay, PhonePe, Paytm.

What do we do now?

Check the mobile number: Check from your telecom provider whether your number is inactive.

Reactive number: If the number is inactive, then get it activated again.

Update the bank account: If the number cannot be active, then link your bank account with a new and active number.

NPCI has directed Banks and UPI platforms to update the list of inactive numbers every week. This will ensure that the new rules are followed and the incidents of fraud are curbed.

What will change in future?

Later, Explus Cantu will be sought from users to link or update the mobile number from UPI ID. This step will further strengthen the user security.

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