If you’re a frequent UPI user—and let’s face it, most of us are—there are some important updates you should be aware of this August. Beginning August 1, 2025, the country’s most popular digital payment method is undergoing major functional changes. These new guidelines could have a noticeable impact on users who rely on UPI apps several times daily, especially in areas like checking account balances, setting up autopay mandates, handling failed transactions, and verifying linked bank accounts.
Tighter Scrutiny For Banks And Apps
The NPCI has issued a caution to banks and UPI applications, stating that it will keep a close watch on any overuse or misuse of system APIs—whether by users or through backend operations. Any breaches may result in fines or even limited access to the UPI infrastructure.
UPI Changes For Users From August 1, 2025
Limit on checking balance:
Under the newly implemented guidelines from NPCI, users will now be restricted to a maximum of 50 balance inquiries per day on each UPI app.
Limited tries to access bank details:
Starting next month, users will be limited to 25 daily requests for retrieving details associated with their mobile number. This feature allows individuals to view all bank accounts connected to their phone number.
Recipient name in every transaction:
Whenever a user initiates a UPI transfer, the official name linked to the recipient’s account will be visible before the payment is completed.
Payment reversal requests capped:
Individuals will be allowed to initiate no more than 10 payment reversal requests within a 30-day window, with each sender capped at five such requests during that timeframe.
Users of PhonePe, Paytm, Google Pay, and BHIM may soon be able to approve UPI payments using biometrics such as face recognition or fingerprint scans, instead of typing in a PIN. Sources say the National Payments Corporation of India (NPCI) is developing this feature to make payments more secure and user-friendly.
