UPI Transaction more easy now: NPCI implementing new rules

UPI Transaction: The National Payments Corporation of India (NPCI) has announced that it will implement important new rules to further improve UPI (Unified Payments Interface) from August 1, 2025. UPI Transaction more easy now: NPCI implementing new rules.

These changes are being made to make the UPI system more stable and reliable to avoid recent technical glitches. NPCI says these changes will strengthen the technical system and make it more accessible to the common man.

However, it has a direct impact on some daily tasks, which is very important for you to know about so that none of your important transactions get caught in the middle. NPCI has instructed banks and payment service providers (PSPs) to regulate the 10 most used APIs (Application Programming Interfaces) by July 31, 2025.

These APIs perform many important functions such as balance check, autopay, and transaction status.

Balance Check Limit:

Now you will be able to check your balance only 50 times a day on any one UPI app. This will reduce unnecessary pressure on the system. Those who have the habit of checking their balance frequently will need to take care of this limit.

Limit to Check Linked Accounts:

You will only be able to view the list of bank accounts linked to your mobile number 25 times a day. This is also to reduce the load on the system.

Autopay Timing:

Autopay (like SIP, Netflix payments, and bill payments) will now only happen during off-peak hours. That is, before 10 am, between 1 pm and 5 pm, or after 9:30 pm. 1 attempt and 3 retries are allowed for each autopay.

This may change the time of your subscription or regular payment. For example, if your subscription used to be in the afternoon, it may now be in the morning or at night. You need to make sure that you have sufficient balance in your account at that time.

Transaction Status Delay:

Now the API call needs to be made in return to check the “Transaction Status”. As per NPCI rules, the transaction status cannot be checked more than 3 times. A 90-second gap is required between each request. If your transaction is pending, you will not know its status immediately and you will have to wait a while.

Why are these changes necessary:

UPI has become the largest medium of digital payments in India. It handles 83% of total digital transactions. In May 2025, UPI processed over 18 billion transactions, worth over Rs 25.14 lakh crore.

But between March 26 and April 12, 2025, the UPI system crashed 4 times in 18 days. The worst outage was on April 12, lasting for 5 hours. These outages were caused by high pressure on the system and misuse of APIs, especially the “Check Transactions” API.

NPCI has found that some PSPs are repeatedly checking the status of old transactions, which is slowing down the system. To address these issues, NPCI has made strict rules to regulate the use of APIs and check Transactions Per Second (TPS).

Impact on common people:

People who have a habit of checking their balance frequently should keep in mind the limit of 50 times a day. This may cause some inconvenience to some people.

Autopay scheduling:

Auto-payments are now made during off-peak hours. This can change the timing of your subscription or regular payment. If you maintain a balance in your account, this will not cause any major problems.

Fast and Stable System:

These rules will reduce bottlenecks in UPI, which provides fast and seamless service to over 400 million users. A one-minute outage can stop about 4 lakh transactions, so stabilizing the system is of utmost importance.

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