🗓️ Effective Date
All changes will take effect from August 1, 2025, as directed by the National Payments Corporation of India (NPCI)
🔍 What’s Changing
1. Balance Enquiry Limit
- You can check your account balance up to 50 times per UPI app per day.
- So, if you use two UPI apps (e.g. PhonePe and Google Pay), you get 50 checks on each—totaling 100 if used separately
2. Account-List Request Limit
- Viewing the list of bank accounts linked to your UPI ID is capped at 25 times per app per day, with explicit user consent required each time
3. Transaction Status Check
- Checking a payment’s status is limited:
- Max 3 checks per transaction
- Minimum 90‑second gap between checks
- Within 2 hours of the transaction attempt
4. Autopay (Recurring Mandates)
- Recurring UPI debits (e.g. SIPs, subscription services) will be processed only during non‑peak hours, which are:
- Before 10 AM
- Between 1 PM and 5 PM
- After 9:30 PM
- Autopay mandates get one attempt, with up to three retrials allowed
5. Non-User-Initiated API Calls
- Background calls (e.g. account refresh, automated checks) will be blocked during peak hours (10 AM–1 PM and 5 PM–9:30 PM) to reduce system load
🏦 What Banks and Fintech Apps Must Do
- Implement rate limiting and throttling for high-frequency APIs.
- Send your balance automatically after every successful UPI transaction, reducing user-initiated balance checks
- Submit a compliance statement to NPCI by August 31, 2025, confirming rule adherence.
- Begin undergoing annual security audits by CERT-In accredited entities from the same date.
- Non-compliance may lead to API access suspension, penalties, or blocking of new user onboarding
📝 Why These Changes?
- NPCI observed increasing system outages linked to excessive automated and user-initiated API calls, especially during peak times. These measures aim to improve stability, reduce downtime, and maintain quick transaction speeds for all users
