If you use UPI every day for payments, then these new rules starting from August 1, 2025, are something you should know about. The NPCI (National Payments Corporation of India) has introduced a few changes to make the UPI system more stable and efficient. These rules are now active and may slightly affect how you use your UPI apps.
New UPI Rules – Effective August 1, 2025
| Feature | New Rule |
|---|---|
| Balance Check Limit | Max 50 times/day/app, only user-initiated, not system auto-checks |
| Bank Account Access | Max 25 times/day/app via List Account API, only after bank selection |
| Autopay Attempts | 1 initial + 3 retries only; max 4 tries per mandate |
| Autopay Timing | Only during non-peak hours (Avoid: 10 AM–1 PM & 5 PM–9:30 PM) |
| Post-Transaction Info | Show available balance after every successful UPI payment |
| Deadline for Apps/Banks | All changes must be applied by July 31, 2025 |
| If Not Followed | Penalties, API restrictions, or suspension of new customer onboarding |
Daily Balance Check Limit on UPI Apps
From now on, you can check your account balance only 50 times a day per UPI app. This limit applies within a 24-hour window. Also, these balance checks must be started by you, the user—not automatically by the app. After every successful payment, your app will also show your available account balance on the screen, so you stay updated.
Limited Access to Bank Accounts in UPI
When you try to link or view your bank accounts in a UPI app using your mobile number, you can now do that only 25 times a day per app. This step helps reduce server load. And if the list doesn’t load, any retry should happen only with your permission.
Auto-Debits Will Run During Non-Peak Hours
For features like Autopay, there are now strict limits. Each payment mandate will get only 4 total attempts—1 initial try and 3 retries. Also, these auto-debits will only be executed during non-peak hours (before 10 AM, between 1 PM to 5 PM, or after 9:30 PM), to avoid system overload during busy times.
What Happens If Rules Are Not Followed?
All UPI apps and banks had to make these changes by July 31, 2025. If not, they could face penalties, restricted access to UPI services, or even a stop on new customer onboarding.
So from now, you’ll need to be a bit more aware while using UPI—small changes, but for smoother transactions.
Disclaimer: This article is for informational purposes only. Please refer to official NPCI or bank sources for the most accurate and updated guidelines.