Users can view their linked bank accounts only 25 times per day.
Balance checks are capped at 50 times a day per user.
Payment status can be checked only 3 times with a 90-second gap between attempts.
The National Payments Corporation of India, also known as NPCI, has stated that some Unified Payments Interface (UPI) rules are changing and will come into effect from August 1, 2025. According to NPCI, these new guidelines are specifically aimed at improving the safety, reliability, and speed of digital transactions all over India. So, if you are a Google Pay, Paytm, PhonePe, or any other platform user, these rules are for you.
SurveyAccording to the updated framework, the UPI users will be restricted from viewing their linked bank account to phone number not more than 25 times in a single day. Furthermore, the users will be allowed to check their balance up to 50 times a day. In terms of payment tracking, the status of a transaction can only be checked three times, with a mandatory gap of 90 seconds between each attempt. Autopay transactions will also be streamlined with fixed time slots to reduce system congestion.
The decision comes after a surge in the number of complaints regarding the delays and transaction failures, specifically between April and May 2025. NPCI stated that excessive balance checks and repeated status tracking by the users were some of the major reasons behind the system slowdowns. Now, with the new changes and rules, the regulator believes that the payments will be faster and will not impact the daily usage.
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However, there is no specific change to the UPI payment cap. The transaction limit still remains the same, and you can make up to Rs 1 lakh per transaction for most cases, and up to Rs 5 lakh for certain categories like healthcare or education. It must be noted that the changes will be rolled out automatically via your UPI apps.
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Ashish Singh
Ashish Singh is the Chief Copy Editor at Digit. He's been wrangling tech jargon since 2020 (Times Internet, Jagran English '22). When not policing commas, he's likely fueling his gadget habit with coffee, strategising his next virtual race, or plotting a road trip to test the latest in-car tech. He speaks fluent Geek. View Full Profile
