From August 1, 2025, using UPI (Unified Payments Interface) will come with new rules that every user should be aware of. The National Payments Corporation of India (NPCI) is introducing these updates to improve the speed, safety, and reliability of UPI transactions.
If you regularly use apps like PhonePe, Google Pay, or Paytm, these changes will directly affect how you check balances, make payments, and manage your transactions.
Every month, UPI processes over 16 billion transactions in India. Recently, there have been many complaints about delays and outages, especially during April and May. NPCI discovered that one major reason was too many repeated requests made by users, like checking balances every few minutes or refreshing a payment status multiple times.
These repeated calls overload the system and slow down transactions for everyone. The new rules are meant to control this excessive use and make UPI smoother and more stable.
Here are the key UPI changes that will take effect:
Apart from the updates coming in August, NPCI has also rolled out several changes in recent months to improve UPI’s performance and security:
With the huge volume of UPI transactions in India, even a small slowdown or system failure can impact millions of people. NPCI believes that managing excessive API calls—like checking balances too frequently or refreshing transactions repeatedly—will help:
These steps are necessary to keep UPI running smoothly as usage continues to grow.
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To avoid problems, here are some tips you should follow:
Be aware of the new limits:
Plan autopay transactions:
Verify the recipient’s name before sending money:
Use chargebacks wisely:
UPI has become India’s most popular and trusted payment method. To keep it fast and stable, these new rules are crucial. They will help reduce system overloads, prevent outages, and improve security.
If you are a regular UPI user, it is important to understand these updates and adjust your payment habits accordingly. By doing so, you can continue enjoying hassle-free and secure digital transactions.
Disclaimer: This blog has been written exclusively for educational purposes. The securities or companies mentioned are only examples and not recommendations. This does not constitute a personal recommendation or investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.
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Published on: Jul 1, 2025, 9:21 AM IST
Kusum Kumari
Kusum Kumari is a Content Writer with 4 years of experience in simplifying financial market concepts. Currently crafting insightful content at Angel One, She specialise in breaking down complex topics into easy-to-understand pieces, blending expertise in market fundamentals and technical analysis.
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