What is the new UPI rule?

Welcome to StayInform Today we will know in this article what are the new rules of UPI? You must have seen many times that transactions fail while using UPI. Many times you have to wait. Many times there are problems, especially during peak hours. So I am telling you, from today, from August 1, the government has made big changes in UPI. What Are The New Rules Of UPI?Heavy Burden On The UPI SystemNew Rules To Bring StabilityWhat Are These 7 Rules?Read AlsoWhat Is The Limit Of UPI In NPCI?What Is The Full Form Of UPI?Conclusion What Are The New Rules Of UPI? What are the new rules of UPI and what will be its benefits, what will be its impact, I will tell you all that? Let's move on. First of all, UPI, as you all know, is India's real-time payment system, which is used for instant money transfer. Heavy Burden On The UPI System That is, money is transferred very quickly from one bank account to another. And if you look at today's date, then there is a very heavy burden on the entire UPI system. If you think about it, by mid-2025, more than 12 billion UPI transactions were done every month. I am talking about every month. Due to which there is a lot of pressure on the banking and financial infrastructure. And for this reason, to bring the amount efficiently, NPCI, NPCI has introduced new operational rules for UPI participants. I mean, you must have seen that banks have their own apps with which you can do UPI transactions. Apart from that, these days there are many other apps like PhonePe, GooglePe, Paytm. So a lot of heavy burden has been put on all these. New Rules To Bring Stability The way UPI transactions are going on in every second country. So the purpose here is to bring new rules so that stability can be brought to the UPI system, especially in the pocket track awards. Like in the evening, you must have seen people coming out of their houses at 7-8 pm. They have to buy vegetables, go to restaurants, they have to pay for many things. So what is in it is that the transactions in Pocket Track Award fail many times. So bring stability. Also, the way it is asked repeatedly, it means asking about your balance through the UPI system, whatever else there is, so that it is not misused. That is, there is no such thing as 100-100 queries a day. Due to which a heavy load is created. What Are These 7 Rules? Trying To Optimize API Also, an attempt is being made to optimize the entire system, i.e. API, Application Program Interface, complete load management. Along with this, the auto-pay facility can be done well. There should be no failed transactions in it. Also, the aggregators have to be held accountable. That is, all the apps that you are looking at, they do not charge any fees now. But from now on, they have to charge some fees. Balance Check Limit Anyway, first let me tell you what these 7 rules are. First of all, there is a daily limit on balance check. This means, how many times a day can you check your account balance on your UPI apps. Look, most people don't do this. Actually, once a month, twice in two months, maybe like this. But there are many who check their balance through UPI every day. Or maybe you are a seller or a merchant here. So you have to check repeatedly whether the payment has come or not. So what has been done here is, you cannot check your account balance more than 50 times a day. Now let me tell you one more thing. Sometimes there are many apps that the more you open, it will automatically refresh your account balance. It will refresh here after every transaction. Due to which there is unnecessary load on the entire application program interface. There is a lot of load on the entire system of UPI. And because of this, finally it has been decided here that you cannot check the account balance more than 50 times. That is, what will happen automatically is when you open your UPI app or it is being refreshed repeatedly. So if it is checked 50 times, it will not automatically show your balance. So this is an important point. API Limit The second thing that has happened here is the API limit of account listing. You must have seen any UPI app on Google, on the phone. So what happens is that people have many accounts. I mean how many bank accounts do you have? You can check a maximum of 25 times. So as a result, the number of requests will be reduced. The load that was being done on the entire UPI system will be reduced here. Failed Transaction Retry Limit Due to which the entire UPI will run more smoothly. Anyway, the next important thing here is the failed transaction retry limit. You must have seen it many times. And it has happened to me many times that I have paid someone. I have made a UPI payment to a merchant or to anyone. And it turns out that it is still paying. I mean you have made the payment. The money has been deducted from your bank account. But now it is in the merchant's account or you have paid a friend. The money has not yet come to his account. And it is pending in your app. And because of this, there is a lot of confusion. Do you make that payment again? Suppose you do it again and both the transactions are successful. What will happen in that case? So what is done now? Here there is a limit that is set that when you pay someone. So your UPI app will not try again and again. Maximum any transaction will be retried 3 times. And this is basically during peak hours. That means from 10 am to 1 pm. And from 5 pm to 9 pm. During these peak times, there is a lot of pressure on UPI. So here any transaction will be retried maximum 3 times. Your UPI app. And if that transaction does not happen. Then it will fail. Means you will know that it has failed. So that you do your second transaction. So if it fails once, you should try it. Then you do it through another UPI app. Does it through another account? This becomes important. You must have seen that nowadays everyone has 2-3 apps. On the phone, on Google Pay, Paytm. Or from any bank account. SBI, ICICI. So do it from any other app. BHIM app. Actually, I would say that it is very good. You can do it through this. So it will not clog the system. Auto Pay Transactions Basically the same effort is being made here. Then the auto pay time slot enforcement. See what happens on today's date. People have done auto pay transactions. Like you have an EMI for a month. EMI of the house. Or let's say car EMI. You have some bills. Phone bills. Actually, OTT subscriptions. Let's say you have taken Netflix. Every month you have to deduct money from your bank account. Then you have allowed auto pay transactions. So now what would have happened is that auto pay. Even during your peak hours. I told you about peak hours. From 10 am to 1 am. And between 5 am and 9 am. So now this auto pay transaction. It will not be during peak hours. It will be during non-peak hours. So that the entire UPI system. It does not get stuck again. I mean, an attempt is being made that during peak hours. The load should be reduced a little. So these things are being done here too. So again. What used to happen during peak hours. When the auto pay transaction started. It tried to deduct money from your bank account. But it couldn't be deducted. And because of that. Sometimes people would miss their EMI. They would miss their bill. So it shouldn't happen. So here is this attempt. API Rate Control Next, the fifth important thing. This is your API Rate Control. TPS and Velocity will be monitored. I'll tell you what it is. Basically, banks and payment service providers. Payment service providers mean. Zipay, Google Pay, Paytm. There are all these. And banks have different UPI apps. They have to set some controls here. Meaning transactions per second. Let's say their app is Google Pay or Paytm. They have to set how many transactions per second they can set. They can't exceed a certain limit. And along with that, Velocity means. Here how many times can queries be made. In your app. So for this reason. Basically this is being done. So many UPI apps have come on today's date. Through which transactions are done today. But if the limit is exceeded. If the transaction starts within a second. Then many transactions fail. Then there is no abuse here. There is no overload in the apps and bots. For this reason, something is being done here. In a UPI app. Transactions will be required per second. That means in any app or bank. If the TPS is exceeded. Transactions per second. Which your app exceeds. Then it is possible that that UPI. Will not make transactions on a temporary basis. Will reject. Now we are not able to make transactions. Because there is overload in their app. So it is basically trying to distribute. So that the entire load. Will come to a UPI app. And it becomes the dominant player. On refunds and chargebacks Many times your transactions have failed. Money has been deducted from your bank account. But whether that money has come to your account. There is a lot of confusion about this. Sometimes the money does not come. It has been made mandatory. Your resolution will be done at a specific time. Your chargeback. Whatever charges you have. You can track it properly. This money has been deducted. How much money has come? It has not come yet. So basically here is the refund process. In a way. It has been fixed in the failed transaction. Whatever your failed transaction was. The refund came before. And at the same time. In dispute resolution. Transparency can increase. And the next important thing. Which many people were confused about. Now you have to pay the charge. No. But what is it. Read Also Here UPI aggregator charge is applied. But only for the back-end. I mean many payment aggregators. Be it cashless, phone pay. Whatever. What do they basically do. They have created a UPI app. They have created an app and given it to you. With which you do UPI transactions. But ultimately the transaction. What happens to whom. It happens from one bank account to another bank account. So who has to take the burden here. The banks have to take the burden. And for this reason. Now it is said here. All these aggregators. The banks have to make some payments. It will be a very small amount. It will be a small amount. But it has to be done. It will be some amount of money. A financially sustainable. For the banks. Because ultimately. The entire burden of the transaction. The banks have to handle. From one bank account to another bank account. Then from there to a third bank account. So for this reason. Who is taking all the fun here. These payment aggregators are taking. So now they have to pay some charges. But remember. You will not be charged any charges. Suppose you transfer 1000 rupees to your friend. Then 1000 rupees will be deducted from your account. 1000 rupees will come in the friend's account. But it is possible that it is. 10 paisa, 20 paisa or something else. These payment aggregators have to pay money. So friends. This time there are a total of 7 changes in UPI. I hope you understand. It has been made mandatory. Your resolution will be done at a specific time. Your chargeback. Whatever charges you have. You can track it properly. This money has been deducted. How much money has come? It has not come yet. So basically here is the refund process. In a way. It has been fixed in the failed transaction. Whatever your failed transaction was. The refund came before. And at the same time. In dispute resolution. Transparency can increase. And the next important thing. Which many people were confused about. Now you have to pay the charge. No. But what is it. Here UPI aggregator charge is applied. But only for the back-end. I mean many payment aggregators. Be it cashless, phone pay. Whatever. What do they basically do. They have created a UPI app. They have created an app and given it to you. With which you do UPI transactions. But ultimately the transaction. What happens to whom. It happens from one bank account to another bank account. So who has to take the burden here. The banks have to take the burden. And for this reason. Now it is said here. All these aggregators. The banks have to make some payments. It will be a very small amount. It will be a small amount. But it has to be done. What Is The Limit Of UPI In NPCI?Standard limit of ₹1 lakh (100,000 Indian Rupees) per transaction for most UPI payments. What Is The Full Form Of UPI?The full form of UPI is Unified Payments Interface Conclusion UPI payment system is a revolutionary chapter in online payment. UPI has a lot to do in increasing Digital India. Cashless transactions have increased a lot with the help of UPI, so it was essential to bring rules to prevent its misuse. As a result, UPI transactions will be simpler and faster than before. NPC is continuously working to make UPI transactions simpler and easier.