New UPI rules to be in effect from August 1: Here’s everything that’s changing

By Ayushi Jain | Updated on 31-Jul-2025

HIGHLIGHTS

If you're someone who uses UPI apps like Google Pay or Paytm several times a day, you might notice a few changes starting August 1.

NPCI will be implementing a set of new backend rules to improve how the system works.

There will be a limit on how often you can check your balance on UPI in a day.

New UPI rules to be in effect from August 1: Here’s everything that’s changing

Ayushi Jain

31-Jul-2025

If you’re someone who uses UPI apps like Google Pay, PhonePe or Paytm several times a day, you might notice a few changes starting August 1. The National Payments Corporation of India (NPCI) will be implementing a set of new backend rules to improve how the system works. These updates won’t completely change how you make payments, but they’re meant to make your experience smoother, faster and more secure.

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Here’s a simple breakdown of what’s changing.

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Autopay transactions to process during non-peak hours

To ensure smoother performance and avoid disruptions to real-time payments, all autopay transactions will be executed during non-peak hours.

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Daily limit on balance checks

Many users often check their bank balance using UPI apps. To prevent too many repeated checks that can slow down the system, NPCI will set a limit on how often you can check your balance in a day. The exact number hasn’t been shared yet, but the aim is to reduce unnecessary pressure on the servers.

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Faster updates when payments fail

It’s common for UPI payments to get stuck or show a ‘processing’ or ‘pending’ status for several minutes. From August 1, UPI apps must update the status of such payments within seconds. Whether your payment is successful or has failed, you’ll get to know quickly.

Safer bank account linking

UPI apps will follow stricter verification methods to ensure that the account belongs to you. This extra layer of security will help reduce fraud and accidental linking of wrong accounts.

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Ayushi Jain

Ayushi works as Chief Copy Editor at Digit, covering everything from breaking tech news to in-depth smartphone reviews. Prior to Digit, she was part of the editorial team at IANS. View Full Profile