New UPI Rules from 1st August, Limit imposed on Balance Enquiry; Check All New Rules

NPCI is making changes to UPI. Recently, UPI was down and it may have been due to extreme load on servers. So, now NPCI has made some changes to UPI which will affect UPI users. NPCI has already released a circular and asked Banks to implement these new rules from 1st August 2025.

New UPI Rules from 1st August

In the circular, NPCI directed all banks and payment service providers (PSPs) to “moderate and regulate the use of 10 significant, most-used APIs by July 31.” These APIs are the back-end request tools that drive everything from checking your bank balance, autopay mandate execution, and confirming a UPI transaction, among others. 

Balance enquiry limited: You can now check your bank balance a maximum of 50 times per UPI app per day.

List of linked accounts: The number of times you can check which accounts are linked to your mobile number will be restricted to 25 times per day per app.

Autopay execution: Autopay mandates (using for things like SIPs or Netflix or any other subscriptions at a certain frequency, such as monthly) will now be executed only during non-peak hours, defined as before 10 am, between 1 pm and 5 pm and after 9.30 pm.

Staggered transaction status checks: Banks and PSPs must now stagger “check transaction status” API calls. Only three checks are allowed within a two-hour window, with a minimum 90-second interval after authentication.

Mandatory balance with notifications: Banks are now required to include updates account balances in every transaction notification to reduce redundant balance checks. NPCI has also mandated that non-customer-initiated APIs must be restricted during peak hours to prevent system congestion/

NPCI Circulars Screenshots

• Download NPCI Circular on UPI Changes from 1st August