UPI Changes From 1st August 2025
Nowadays, UPI has become a major medium for our daily financial transactions, and we use it frequently to send money to our family and relatives, as well as to shops. UPI Changes for our country, and one of its significant advantages is that you don’t need to carry cash in your pocket or wallet; you simply have to scan the QR code and enter the 4-6 digit code to make a payment. UPI has become an integral part of daily life in India, where over 13 billion transactions occur every month. But its growing popularity has also come at a price—frequent power outages and power outages during peak hours, especially this summer. The National Payments Corporation of India (NPCI) has taken the initiative to tackle this problem by issuing new UPI changes. The goal of these UPI Changes is to reduce pressure on servers by reducing unnecessary background requests—such as balance checks, account information refreshes, and autopay updates—made by UPI apps. These requests may seem small, but when millions of users tap multiple times in a short period of time, they grow rapidly.
Starting August 1, 2025, a new set of UPI Changes will come into effect to keep UPI faster, more reliable, and scalable as India continues to lead the world in digital payments.
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What are the UPI Changes From 1st August 2025?
Starting with the first UPI Changes, which relate to balance checks, the National Payments Corporation of India (NPCI) has limited the number of balance checks to 50 times per app per day. This UPI change helps to reduce the load on the server from constant tap-to-refresh. Similarly, you can request your account information (such as checking linked bank accounts) up to 25 times per day.
Another important update under the latest UPI changes pertains to autopay deductions or e-mandates. Going forward, these automatic payments will only be processed during non-peak hours. This means there will be no autopay transactions from 10 AM to 1 PM and from 5 PM to 9:30 PM. The move is aimed at reducing congestion during the busiest times of the day, making the UPI system run more smoothly for everyone.
If you frequently check the status of your UPI payments, there is an important update you need to know about as part of the latest UPI changes. From now on, you will be able to check the status of a transaction only three times, and each time at an interval of at least 90 seconds. This move has been taken to reduce the load on the system and ensure a faster and more reliable experience for all UPI users.
Under the UPI changes that come into effect from August 1, any UPI ID that has not been used for 90 days or more can be automatically deactivated. The move is aimed at reducing the risk of fraud and clearing inactive accounts that clog the system. The good news is that there has been no change in the transaction limits—you can still transfer up to ₹1 lakh per transaction and up to ₹5 lakh for health or education-related payments. So, if you are worried about your daily UPI usage, rest assured that your regular spending habits will not be affected.
How the New Rules & UPI Changes Affect users
- Casual users
Do you check your balance only occasionally? You’ll probably never know: 50 taps are enough. - Power users & stock traders
Incorporate the 50-check ceiling into your daily routine; rely on in-app notifications, not Reflex Balance refresh. - Subscription lovers
Netflix, SIP, and EMI flow continues, but now gets cut when traffic drops. Maintain sufficient funds till the end of the day to avoid bounce charges. - Merchants & billers
Align batch collections with new off-peak autopay windows for smoother reconciliation. - NRIs using UPI abroad
The same limits apply – this is useful if you use multiple apps to send money.
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Five Quick Tips to Stay Safe With These UPI Changes
- Enable transaction alerts so balance auto‑updates arrive with every payment.
- Schedule high‑value autopays (rent, loans) a day earlier to dodge off‑peak execution delays.
- Use one primary UPI app to avoid hitting limits across multiple apps.
- Keep SIM active—90 days of silence will freeze your UPI profile.
- Educate family & staff who handle your business QR so they aren’t caught out on day one.
Frequently Asked Questions (FAQs)
What exactly is changing in UPI from August 1, 2025?
From August 1, NPCI is rolling out new rules to make UPI smoother and faster. The changes include daily limits on balance checks, transaction status refreshes, and when autopay payments get processed. It’s all about reducing traffic during peak hours.
How many times can I check my UPI balance now?
You can check your account balance up to 50 times per day on each UPI app. So if you use two apps (like PhonePe and GPay), the 50-check limit applies separately to both.
What’s changing with autopay or recurring payments like Netflix or EMI?
Autopay transactions will now be processed only during off-peak hours. That means they won’t go through between 10 AM–1 PM and 5 PM–9:30 PM. Your payments will still work—just not during those busy time slots.
Can I still send ₹1 lakh or more using UPI?
Yes, nothing changes here. You can continue sending up to ₹1 lakh per transaction, and up to ₹5 lakh for specific categories like healthcare or education.
What if I keep checking the status of a transaction?
You’ll only be able to refresh the transaction status three times, and there needs to be a 90-second gap between each check. This is to stop the system from getting overloaded.
Will regular UPI payments be affected by these changes?
Nope! Your regular payments—like sending money to friends or paying at stores—won’t be affected. The changes only apply to non-financial tasks like checking balances or updating account info.
What happens if I don’t use my UPI app for a while?
If you don’t use your UPI account for 90 days or more, your UPI ID might get deactivated. So, even a small transaction once in a while will help keep it active.
Do these new limits apply to all UPI apps?
Yes, these rules apply to all UPI-enabled apps like PhonePe, Paytm, Google Pay, and others. But remember—limits are per app, not across all of them.
What if I hit the daily limit for balance checks?
If you use up your 50 balance checks or 25 account info requests in a day, those features will pause until the next day. You’ll still be able to make payments normally.
Why is NPCI making these changes now?
Because UPI is growing fast, and the system was getting overloaded—especially during busy hours. NPCI wants to keep UPI fast, reliable, and stable for everyone, even when millions of people are using it at once.
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