NPCI To Cut Response Time to Improve UPI Speed from June 16, 2025

The National Payments Corporation of India (NPCI) has asked all banks and payment apps to reduce the response time for key UPI services. Starting June 16, 2025, all UPI transactions in India will become faster and more reliable.

The goal is to improve user experience and reduce the delays people sometimes face while sending or receiving money.

How Will NPCI Achieve Faster UPI Speed?

 NPCI aims to cut down the response time for important UPI services. This includes:

• Request Pay and Response Pay (debit and credit): Now banks must respond within 15 seconds instead of 30.

• Check Transaction Status and Address Validation: Banks must respond within 10 seconds.

These changes will also apply to all remitter banks, beneficiary banks, and payment service providers (PSPs) like PhonePe, Google Pay, and Paytm. 

Key Benefits of NPCI’s New Move

Now, if a payment fails or is stuck, the system will update you faster—within 10 seconds instead of 30. This will make it easier for you to know if their transaction succeeded or failed in real-time.

As per news reports, this update would reduce issues like network or handshake failures, which cause 3–5% of UPI problems during busy hours.

Reduced Wait Time for Status Checks

Another change is that banks and apps can now check the transaction status within 45 to 60 seconds after it is started, instead of waiting 90 seconds. They are allowed to make a maximum of 3 status checks within two hours of the transaction.

Backend Readiness is Key for Faster UPI Speed

Experts say India’s digital payment systems are strong enough for this update. However, banks and apps must upgrade their systems quickly. If they fail to meet the new response times, NPCI may impose financial penalties.

Conclusion

The NPCI’s new rules will make UPI payments faster and more reliable for everyone. With shorter wait times, users will enjoy smoother and quicker digital payments.

Read more on: UPI Transactions Soar to New Highs in March

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