New UPI rules from August 1: Full list of key changes that you should know

If you are a UPI user and rely on payment service providers like PhonePe, Google Pay or Paytm, then the rules are set to affect how the transactions take place.

Updated on: Jul 29, 2025, 18:09:08 IST

By HT News Desk | Edited by Majid Alam

Prefer HTon Google

Share via

Copy link

The Unified Payment Interface (UPI) is set to introduce several changes to the instant payment service from August 1. The National Payments Corporation of India (NPCI) is going to implement the new rules to improve the performance of UPI transactions.

The NPCI has announced that several changes will made to UPI from August 1. (Shutterstock)

So, if you are a UPI user and rely on payment service providers like PhonePe, Google Pay or Paytm on a regular basis, then the new rules are set to affect the way the transactions take place. Though, the revised guidelines wouldn't impact your day-to-day transactions, it is set to bring in restrictions for UPI-related services.

The new rules include caps on limiting services, like checking bank balance, auto payments, fetching bank account info and checking payment status. The NPCI has said that the new rules have been brought to enhance UPI's stability and efficiency.

What are the changes in UPI from August 1:

Here are some of the prominent changes that the UPI users are set to experience from August 1:

Cap on checking bank balance on UPI: Starting August 1 onwards, the UPI users will be able to check their bank balance only 50 times a day on each UPI app. The restrictions would allow NPCI to decrease the pressure on the Application Programming Interfaces (API) system during the peak hours.

Also Read: UPI will work slightly differently from August 1: Here’s what’s changing

Displaying balance after every transaction: Though the NPCI has restricted the number of attempts on balance requests, the users will be able to see the available account balance after every successful UPI transaction.
Auto payments during fixed hours: The new rules also include processing scheduled bill payments during fixed hours to ease the burden on the daily UPI transactions. Auto payments to merchants or the monthly scheduled transfers for OTTs, EMIs or mutual fund investments will occur during non-traffic hours before 10 am or after 9:30 pm.
Limited tries to access bank account details: From next month onwards, the UPI users will also be able to retrieve information regarding their bank accounts linked to the mobile number 25 times a day.
Payment status related: The users will be allowed to check the status of a pending transaction only three times. Moreover, the user will be able to check the status after a mandatory gap of 90 seconds between each attempts.

ABOUT THE AUTHOR
HT News Desk
Follow the latest breaking news, major developments and agenda-setting stories from India and around the world with the newsdesk at Hindustan Times. Operating round the clock, the desk brings together experienced editors, reporters and correspondents to deliver fast, accurate and contextual reporting across subjects that influence public policy, governance, business, society and international affairs. The HT News Desk covers politics, elections, government policies, the economy, business and markets, science and technology, the environment, law and order, infrastructure, education, climate issues and geopolitics, while closely tracking developments across states, institutions and global capitals. The team also leads coverage of major breaking news events, policy announcements, court proceedings, natural disasters, public emergencies and significant international developments. Reports published by the newsdesk are based on information gathered from reporters on the ground, official statements, government agencies, court records, regulatory filings, recognised institutions and other authoritative sources. Stories undergo editorial scrutiny and verification processes to ensure accuracy, fairness and relevance, and are updated as events evolve and additional information becomes available. Whether covering a key political decision in New Delhi, an economic policy shift affecting millions, a landmark court ruling or a major global event, the HT News Desk aims to provide readers with reliable, fact-based journalism that delivers not only the latest developments but also the context and analysis needed to understand their wider implications.Read More

Follow India news real-time updates and the latest news covered on Hindustan Times, featuring today's critical updates on Sonam Wangchuk LIVE and more across India.