New Delhi: The National Payments Corporation of India (NPCI) has issued new operational guidelines for UPI (Unified Payments Interface) platforms, set to come into effect from August 1, 2025. The changes are aimed at enhancing the efficiency, speed, and reliability of digital transactions by reducing the burden on backend servers.
As per the new rules, users will be allowed to check their account balance only up to 50 times per day. Additionally, information regarding bank accounts linked to a mobile number can now be accessed only 25 times a day. These restrictions are designed to minimize non-essential API calls that contribute to server load.
New UPI Rules from 1st August! 🚨
Your UPI ID might get blocked if you miss these key updates — from inactive numbers to daily balance check limits.
Stay informed, stay safe.✅
Source: https://t.co/8wFFPzVVnA#HSAG #UPIRules #DigitalPayments #India #SmartBanking #FinanceTips pic.twitter.com/qTmMLn4UMA
— HSAG (@hsagindia) July 25, 2025
In a key update to recurring payments, NPCI has mandated that auto-debit instructions for services such as Netflix subscriptions, SIPs, EMIs, and other standing instructions will now be processed only during non-peak hours. Auto-payments will not be executed during peak transaction windows — between 10:00 AM to 1:00 PM and 5:00 PM to 9:30 PM — in order to maintain optimal performance during high-demand periods.
NPCI clarified that while operational timings and frequency limits are being adjusted, the existing transaction limits for UPI transfers remain unchanged.
The move comes in response to the exponential growth in UPI transactions, with the primary objective of ensuring system stability and uninterrupted service for millions of users across the country.