UPI (Unified Payments Interface) in India has made digital payment very easy, but now National Payments Corporation of India (NPCI) has decided to implement some new rules. Under these rules, banks and UPI service providers have been going to remove passive mobile numbers from their system from 1 April 2025. This step has been taken to increase security and transparency.
The purpose of these rules is to prevent fraud and reduce technical problems. When a mobile number becomes inactive and is handed over to a new user, it can pose a security risk. Therefore, NPCI has directed banks and UPI apps to update its database regularly. If your mobile number is passive, you have to update an active number to your bank account so that your UPI services are not interrupted.
UPI New Rules: Major Updates
Under the change in UPI rules, NPCI has asked banks and UPI service providers to remove passive mobile numbers. This decision has been taken to reduce fraud and technical problems. The table below gives details of the main points of this scheme:
| Description | Expansion of details |
| Date of implementation of rules | From 1 April 2025 |
| Affected user | Users whose mobile numbers are passive or replaced |
| Safety cause | Fraud and technical problems caused by passive numbers |
| Responsibility of banks | Removal of passive numbers and updating the database weekly |
| Essential steps for users | Updating mobile number active in your bank account |
| Purpose of rules | Increase security and transparency in UPI system |
| Regular update | Banks and UPI apps have to update data weekly |
Effect of passive mobile numbers
Using inactive mobile numbers can cause many problems. If your mobile number is passive and is handed over to a new user, it can pose a safety risk. The new user may get information about OTP and transactions connected to your bank account, which increases the chances of fraud. Therefore, NPCI has decided to remove passive numbers.
Essential steps for users
If your mobile number is inactive or you have recently changed your number, then you have to take the following steps:
- Update the number: Update your new mobile number in your bank account and UPI app.
- Check the notification: Check the notification coming from UPI apps and update as required.
- Contact the bank: If your old number is passive, inform the bank so that your account safety remains.
- Problem in transaction: If your number is not updated, you may have problems in getting money through UPI.
Effect and benefit of rules
The implementation of these rules will increase security and transparency in the UPI system. Removing passive numbers will reduce fraud and also reduce technical problems. In addition, banks and UPI apps will have to update data weekly, which will also increase data accuracy.
Process of removing passive numbers
Bank and UPI service provider Mobile Number Revocation List (MNRL) or Digital Intelligence Platform (DIP) will identify and remove passive numbers. If your number is passive, you will be informed about it and you will be asked to update your number. If you do not do this, your UPI services may be interrupted.
Effect of rules and responsibility of users
With the implementation of these rules, users will increase the responsibility of keeping their mobile numbers updated. If you do not update your number, you may have problems in using UPI services. Therefore, it is important that you keep your active mobile number update in your bank account and UPI app.
conclusion
These new rules will increase security and transparency in the UPI system. Users will have to keep their mobile numbers updated so that their UPI services are not interrupted. If your number is passive, you have to update it so that you can avoid fraud and technical problems.
Due to removal of inactive mobile numbers
There are several reasons to remove inactive mobile numbers:
- Security Risk: Inactive numbers increase the chances of fraud, especially when they are handed over to new users.
- Technical problems: Inactive numbers can cause problems in transactions and problems can also occur in sending OTP.
- Data accuracy: Regular updates increase data accuracy, leading to transparency in the UPI system.
Suggestions for users
If your mobile number is inactive or you have recently changed your number, then follow the following suggestions:
- Use net banking: Update your mobile number using your bank’s net banking service.
- Go to the bank branch: If it is not possible to update online, then go to your nearest bank branch and update your number.
- Use UPI apps: Update your mobile number using UPI apps like Google Pay, PhonePe.
- Use ATM: You can also update your mobile number using your bank’s ATM.
Conclusion and forward direction
These new rules will increase security and transparency in the UPI system. Users will have to keep their mobile numbers updated so that their UPI services are not interrupted. This step will help prevent fraud and reduce technical problems.
Disclaimer: This article provides information about changes in UPI rules, which is real and official. Users are required to update their mobile numbers so that their UPI services are not interrupted.
