New Delhi: In a bid to make UPI transactions quicker and hassle-free, the National Payments Corporation of India (NPCI) will bring about certain changes in its operation from August 1, 2025. Certain new limits are being set to ease pressure on the system and reduce issues like payment delays and failed transactions, officials said.
These changes are unlikely to affect payments, officials insisted. There will just be limits on things like balance checks to make UPI smoother, more reliable, and less prone to outages, especially during peak hours.
What to Expect:
From August 1, UPI users will only be able to check their account balance 50 times per day. Similarly, the number of times a user can view the bank accounts linked to their phone number will be limited to 25 times a day. These new caps are being added to cut down on unnecessary traffic on the system, something NPCI claims contributes to slowdowns and outages during heavy usage.
NPCI is also introducing fixed time slots for UPI auto pay transactions. This means scheduled payments — such as auto payments, subscriptions, utility bills, or EMIs — will be processed during specific windows instead of randomly throughout the day. This could help reduce congestion on the platform and improve overall speed during regular usage hours. These changes are mainly aimed at heavy users who unknowingly overload the system with repeated requests.
There will be no change to the current UPI payment cap itself. The transaction limits will remain the same — up to Rs 1 lakh per transaction for most cases, and up to Rs 5 lakh for certain categories like healthcare or education.
Users will not have to do anything. The changes will be rolled out automatically through the UPI apps. Since auto pay will now be allotted fixed slots, businesses relying on automated UPI collections might need to align with the new timings.
