From Aug 1, UPI users face new limits on balance checks, autopay hours, and more. Here’s what Paytm, PhonePe, and GPay users need to know to avoid disruption.
UPI Global Updates — Effective August 1, 2025
- Faster transactions: NPCI upgraded UPI APIs—payments now process in 10‑15 seconds, boosting efficiency without extra fees. www.ndtv.com
- New daily caps:
- Balance inquiries: Limited to 50 per day per app. Hindustan Times
- Viewing linked bank accounts: Limited to 25 times a day. Hindustan Times
- Autopay transactions (EMIs, subscriptions, etc.) will now execute only during non-peak hours: before 10 AM, between 1–5 PM, and after 9:30 PM. The Economic Times
- Pending transaction status: You can now query it a maximum of 3 times, with a 90-second gap between attempts. Techlusive
- Fraud protection upgrade: Recipient names are now displayed before payment confirmation to prevent mistakes. The Financial Express
What This Means for You
- Daily use remains smooth: For most, the new limits won’t change everyday payments.
- But heavy users or account managers (frequently checking balances or toggling accounts) will feel the restriction.
- Autopay timing changes may require adjusting bill cycles.
- Enhanced reliability across UPI apps is expected—loading issues should decrease. The Times of The Economic Times
Tips for Users & Businesses
- Don’t exceed 50 balance checks/day per app. Use the transaction-generated balance display instead.
- Schedule recurring payments during approved non-peak time slots.
- Limit status checks—use only when necessary.
- Rely on proper recipient display to avoid payment to unknown contacts.
Summary Table
| Feature | New Rule |
|---|---|
| Balance check limit | Max 50/day per app |
| Bank account views | Max 25/day |
| Autopay execution | Only during non-peak hours |
| Transaction status checks | Max 3 attempts/day with 90-second intervals |
| Transaction speed | Now 10–15 seconds |
| Fraud safeguard | Recipient name shown before confirmation |
