From 1 April 2025 Integrated payment interface (UPI) Many important changes are going to happen in. National Payment India Has decided to implement these rules so that UPI transaction Can be even more safe and efficient. Under these rules, banks and Payment Service Provider (PSPS) Will have to update your database regularly, in which Disconnected in Mobile numbers were re -appointed Removal to remove.
The main objective of these changes UPI security To increase and Fraud transaction Have to stop Users must give clear consent to update their mobile number. If the users do not agree, their mobile number may be canceled for UPI services. This article will provide detailed information about these new rules and will tell that it is your daily Digital payment But how to affect.
UPI from April 1, 2025 new rules
The table below gives details of the new UPI rules to be implemented from 1 April 2025:
| Rule | Description |
|---|---|
| Mobile number update | Banks and PSPS must update database regularly, including removing closed or recycled mobile numbers. |
| Clear consent | UPI apps must get clear consent from users to update or port the mobile number. |
| Monthly reporting | Banks and PSPS will have to submit a monthly report to NPCI, which will include UPI ID and transaction information. |
| UPI 123pay limit | The transaction limit of UPI 123Pay has been increased from ₹ 5,000 to ₹ 10,000. |
| Transaction ID format | The UPI transaction ID will only use alphanumeric characters. |
| Convinance fees | Some bill payments will be charged at the rate of 0.5% to 1% + GST. |
Importance of mobile number update
Under these new rules, banks and PSPS have to update their databases every week. Its main objective is to ensure that any Disconnected in Revaluation mobile number UPI could not use services. From this Fraud transaction Will be less likely and UPI security Will increase.
Users must give clear consent to update their mobile number. This consent will be taken through UPI apps and users Choose in And Provoke Options will be given. If a user does not update his mobile number, he may be unable to use UPI services.
New limits of UPI 123Pay and UPI Lite
UPI 123pay The transaction limit has been increased to ₹ 10,000, which will be beneficial for the feature phone users. With this, they will be able to do transactions even without internet. UP light The limit of this is also being increased, which will lead to more flexibility.
Convinance fees and auto chargeback process
On some bill payments Convenience fee Will be planted at the rate of 0.5% to 1% + GST. This fee is being levied to recover the cost of the platform. Automatic charge process It is also being implemented, which will promote automated acceptance/rejection system in transactions.
International UPI transactions
Now International UPI Transactions The facility will also be available, so that UPI can be used during foreign travel. This will be especially beneficial for those who travel abroad and there Digital payment Want to use
Fee on Credit Card UPI transaction
More than ₹ 2,000 Credit Card UPI Transaction The fee will be levied. This fee will be charged by credit card companies and its purpose is to make the transaction more transparent.
Volume cap on third party apps
Third-party apps But 30% volume cap It is being imposed, so that no app will be able to take more than 30% of the total volume of UPI transactions. This rule is to promote competition and diversify the market.
UPI improves security
The main objective of these new rules UPI security Have to increase Banks and PSPs have to update their database regularly, so that Disconnected in Mobile numbers were re -appointed Will not be used. From this Fraud transaction Will be less likely for users Digital payment Will be more secure.
What is necessary for users?
It is necessary for users to keep their mobile number updated and give clear consensus through UPI apps. If users do not update their mobile number, they may be unable to use UPI services. Users should regularly update their UPI apps so that they can take advantage of services according to new rules.
Impact of new rules
The impact of these new rules not only on users but also UPI ecosystem Will also have to be done. this rule Digital payment Will help make it more secure and efficient. Users will need to keep their mobile number updated and give clear consent. From this UPI transaction Transparency will increase and Fraudulent activities Will be less.
Some important points
- Weekly database update: Bank and PSPS will have to update their database every week.
- Clear consent: It is mandatory to get clear consent from users.
- Monthly reporting: Banks and PSPS will have to submit a monthly report to NPCI.
- New limits of UPI 123Pay and UPI Lite: The limit of UPI 123pay is being increased by ₹ 10,000 and UPI Lite limit.
conclusion
From these new rules UPI ecosystem Will be even more safe and efficient. Users will need to keep their mobile number updated and give clear consent. From this Digital payment Transparency will increase and Fraudulent activities Will be less. This change is not only for users but also UP system Will be beneficial for
Important vocabulary
- UPI (Integrated Payment Interface): A system that integrates many bank accounts in a mobile application.
- NPCI (National Payment Corporation of India): An institution that controls UPI services.
- PSP (Payment Service Provider): Platforms providing UPI services.
- Different mobile number: The numbers that have been closed or have been released to new users.
Benefits of new rules
These new rules have many benefits:
- Safety increase: By removing closed or recycled mobile numbers Fraud transaction Will be less.
- Transparency: By taking clear consent from users Digital payment Transparency will increase in.
- Efficiency: Regular database updates UPI transaction Will be more efficient.
- User experience: Users will get better and safe services.
Preparation for new rules
Users should be prepared for these new rules:
- Update mobile number: Keep your mobile number updated and give clear consent.
- Update UPI apps: Update your UPI app regularly.
- Get information: Get information about new rules and follow them.
Conclusion and forward
From these new rules UPI ecosystem Will be even stronger. Users will need to keep their mobile number updated and give clear consent. From this Digital payment Transparency will increase and Fraudulent activities Will be less. This change is not only for users but also UP system Will be beneficial for
Ahead
In the way forward, Is i Will be even more advanced and safe. Users should welcome these changes and follow them. From this Digital payment The future will be even bright.
Note
For more information about these new rules, you can contact your bank or UPI service provider. Make sure you keep your mobile number updated and give clear consent.
Disclaimer
Disclaimer: This article provides general information and should not be taken as any specific financial advice. Contact NPCI or your bank for more information about new UPI rules. The scheme is real and is being implemented by NPCI.
