Upi new rules: There is big news for digital payments. From September 15, the National Payments Corporation of India (NPCI) has increased the limit of Person-to-Cracha (P2M) transaction to Rs 10 lakh. With this, it has become even easier to make big transactions through UPI. This decision has been taken to help people associated with the sectors, especially those who had to face trouble due to the low limit.

What has changed under the new rule?

The payment of investment and insurance premium payment in the capital market has also been increased from Rs 2 lakh to Rs 5 lakh. However, no more than Rs 10 lakh will be paid in a day. That is, under the new rules, the limit of per transaction in categories like Capital Market, Insurance Premium, Credit Card Bill Payment, Travel and Government E-Marketplace (GEM) has been increased from Rs 2 lakh to Rs 5 lakh to Rs 5 lakh. Of these, you will be able to do transactions up to 10 lakh rupees in a day.

Jewelery and Banking Service

Similarly, the limit of jewelery purchase through UPI has been increased to Rs 2 lakh per transaction (first Rs 1 lakh). In this category, you will not be able to do transactions of more than Rs 6 lakh a day. For banking services like fixed deposit through digital onboarding, Rs 5 lakh per transaction has also been done per day. However, the limit of P2P payment will be only Rs 1 lakh per day. Increasing the limit of UPI transaction shows the NPCI’s commitment, under which it wants to improve the experience of users by making large transactions easier. With this step, the process of payment in many different sectors will be comfortable, which will benefit both consumers and businessmen.

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Cashless transactions have increased since demonetisation. Now most people transact directly from UPI itself. Whether to pay college fees or pay bills after eating food, UPI is being used everywhere. All from students to professionals are doing transactions through UPI. Because of this, cyber criminals also keep an eye on UPI. They wait for the smallest mistakes of the people. As soon as there is a mistake, they immediately vacate the account of the people. Therefore, it is important to take care of many things while using UPI.

Do not tell unknown person UPI PIN

Never tell your UPI PIN to any unknown person in phone calls or elsewhere. As soon as you do this, you give them direct access to your bank account. Also keep in mind that no bank officer will ever ask you the PIN number of UPI for any work. If someone is asking for PIN number by calling himself a bank or government official, then it should be careful.

Pay attention to pay request

Pay request option is available in UPI. Usually, after choosing UPI mode on e-commerce platforms, these companies send requests. After doing these, payment is made. If you get a request from an unknown person or site, then reject it.

Take care while scanning QR

Every QR code would not have been engaged to take payment. Many times fraudster fake QR code and implicate people in their web. Therefore, take care while scanning the QR code in public places. If you are having a little doubt anywhere, then pay other ways instead of QR code there.

Use official apps

Always use official apps for transactions or other works. Never download any app from the link from an unknown person in some greed. The app downloaded from such links can steal your important information and password.

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UPI New Rule 2025: The use of UPI i.e. Unified Payment Interface has increased rapidly in the country. But its rules are going to change in August 1. In such a situation, if you use it, then it is important for you to know this news. In fact, since August 1, you will not be able to check your balance more than fifty times through the UPI app in a day. From merchants to banks and users, these changes will be applicable.

Many rules in lieu of UPI

The time of auto-pay transactions (eg bill payment, EMI and subscription) on UPI will now be done in a fixed slot. According to reports, this time will be between 10 in the morning or between 1 pm to five in the evening. Apart from this, even after 9:30 pm, the slot will be fixed. This is being done so that the transactions will be able to take place faster and the load on the system will be less. If a transaction fails, then you can see its status in just three after the day. For this, there should be a gap of at least 90 seconds every time.

These rules will apply to all UPI users, whether they are Google Pay, Phone Pay or Paytm users. This year, there were two major incidents of system down in the months of March and April, due to which millions of users were upset.

What will be the effect?

Actually, there is no impact on common users of change in UPI rules. They will continue to pay or transfer other payments from daily bill payment to other payments as before. As before, they will be able to do one lakh rupees in a day. Also, there is a limit of up to five lakh rupees for education or payment related to health care. However, it will definitely be done now that since August 1, no UPI users will be able to check more than fifty times a day.

Upi transaction new rules: From August 1, 2025, new rules of UPI will apply. If you regularly use Paytm, PhonePe, GPAY or any other UPI platform, then it is very important for you to know what is going to change from next month. The National Payment Corporation of India (NPCI), which oversees UPI ecosystem, is going to implement some new boundaries to reduce the pressure on the system as well as to reduce problems like delay and unsuccessful transactions. Due to this, a limit will be imposed on things like checking balance and refreshing status.

Limit fixed to check balance

From next month, UPI users will be able to check their account balance only 50 times a day. Similarly, users will be able to see the bank account connected to their phone number on the UPI app only 25 times a day. These new limits are being set to reduce non-essential traffic so that the system is not slow during the day and there is no problem in transactions. If the unnecessary load on the network will be low, the system will also work more fast and safely.

Time slot for auto pay transaction also

Apart from this, NPCI is also bringing fixed time slots for UPI Auto Pay Transaction. This means that already scheduled payments like auto payments, subscriptions, utility bills and EMIs can be processed in a certain time slot, not even during the day. Now Autopay Transaction will be processed in three fixed time slots- before 10 am, between 1 to 5 pm and after 9:30 pm. Apart from these, no change has been made in the transactions limit. They will remain the same as before.

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There is an important news for crores of users using UPI. NPCI (National Payments Corporation of India) has released new guidelines regarding UPI services which will be applicable from 1 August 2025. Under these rules, a limit will now be installed on certain services so that the load of traffic on the system is under control and the network does not slow down or fails in peak time. Changes are especially about balance checks and autope transactions.

The most important thing is that now any user will be able to check his account balance only 50 times a day. The system will not respond when trying to see the balance more often. NPCI says that a large number of users repeatedly check the balance, which makes the server more load. Now after every transaction, Yajar will also get an automatic balance update, so that there is no need to check again and again.

Apart from peak time, i.e. from 10 am to 1 pm and from 5 pm to 9:30 pm, services like balance checks can remain partially closed or Limited Access during these hours. Similarly, automatic payments like UPI Autopay features, such as subscription, EMI or SIP, will now be processed only in non-time time.

NPCI says that these decisions have been taken keeping in mind the stability and smooth operation of the network. In the last few months, the transaction volume on UPI has gained tremendous lead, and this is why it has become necessary to protect the system from unnecessary load. If every user checks the balance 100 times a day, then it has a direct impact on the performance of the network.

However, these limits will apply only to some basic services. The facility like sending money, receiving or scanning the QR code will continue to work as before. But secondary features like balance check, autope are being reduced slightly to make the UPI network more strong and reliable.

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