&imwidth=800&imheight=600&format=webp&quality=medium "UPI set for major revamp from August 1. Here’s what will change")
India’s most popular digital payment system, the Unified Payments Interface (UPI), is undergoing a significant backend overhaul from August 1, 2025, as the National Payments Corporation of India (NPCI) introduces a fresh set of rules aimed at making the platform faster, more secure, and less prone to overload during peak hours. The changes, although largely invisible to casual users, are expected to streamline how frequently used services such as balance checks, account fetch requests, and auto-debit transactions operate in the background.
Daily usage limits for key UPI functions
One of the most significant changes is the introduction of daily limits on UPI-related requests. Starting August 1, users will be able to:
- Check their account balance only 50 times per day on each UPI app (like PhonePe, Paytm, or Google Pay).
- Fetch linked account information (like listing bank accounts tied to the mobile number) a maximum of 25 times per day.
- Check the status of a pending transaction only 3 times, with a mandatory 90-second gap between each attempt.
NPCI believes these limits will help ease the pressure on backend servers, particularly during high-traffic periods, while maintaining smooth functionality for most users. However, to reduce the need for manual balance checks, banks will now be required to display updated balances automatically after each successful transaction.
Scheduled processing for autopay and reversals
Trending Stories
&im=FitAndFill=(700,400))
National Handloom Day 2026: From Alia Bhatt to Samantha Ruth Prabhu; Actresses who celebrated India's textile heritage as brides
)
The Royals enter the Doctor Who universe: King Charles and Queen Camilla beam into Commonwealth Games in TARDIS
)
Unitree Robotics targets $9 billion valuation in landmark IPO backed by DeepSeek and Tencent
)
India names 27 sites in Arunachal Pradesh
)
Bharat Bhhagya Viddhaata OTT: When will Kangana Ranaut's film stream online?
&im=FitAndFill=(700,400))
How many soldiers operate one S-400 battery?
)
Shakib Al Hasan ready to return to Bangladesh—under one condition
)
‘Fake news’: MEA rejects report claiming India sought defence pact with Israel after Pakistan, Saudi Arabia, Turkey deal
)
Rockstar to unveil GTA 6 extended look ahead of November launch
)
Russia forms Ukrainian Volunteer Spetsnaz Brigade to fight Ukraine
)
Drug-resistant fungus that hides in hair and enters bloodstream reported in 23 US states
)
Technology transfer deal boosts India's defence manufacturing ambitions
)
Border row erupts in Europe after Ceuta crossings, Spain imposes border controls on Italy
)
Morale plummets on USS Abraham Lincoln: Are US sailors reaching a breaking point? | GRAVITAS
)
'Security can't be bought with Pakistan, Turkey deal': Iran tells Saudi Arabia
)
Baba Vanga's 2026 prophecy: 2 predictions 'already came true', 3 terrifying ones remain. Details inside
)
Colombia’s new president Abelardo de la Espriella vows to ‘defeat narco-terrorists’, signals hardline shift
&im=FitAndFill=(700,400))
New Friday OTT releases (August 7, 2026): Operation Safed Sagar, Vadhandhi, Main Vaapis Aaunga- 6 movies and TV shows on Netflix, Prime Video and more
)
Squadron Leader Bhawana Kanth scripts history as Indian Air Force gets its first woman ‘Top Gun’ pilot
)
RSS says Gen Z protests reflect genuine distress
)
Trump says Iranian school bombing photos could be AI-generated - 'I don’t think...'
)
IAF officer held for sharing sensitive information in 'honey trap' case, booked under Official Secrets Act
)
Stray Kids under scrutiny? Fans react to Grammy submission silence after BTS boycott
&im=FitAndFill=(700,400))
Why the Su-30MKI doesn't need external fuel tanks to fly vast distances
)
Jugal Hansraj reunites with Shekhar Kapur after 40 years for Masoom: The Next Generation
)
New speed limits, automatic challans: Big traffic change coming to Delhi-Meerut Expressway. All you need to know
)
India officially names 27 places in Arunachal to counter China's renaming claims
)
Trump calls White House ballroom ruling a 'national disgrace' as court says Congress approval needed
)
US sanctions Iran’s crypto network after Strait of Hormuz attacks, offers $15m bounty for intel on IRGC finance
&im=FitAndFill=(700,400))
Why the Su-30MKI is one of the heaviest fighters ever built
)
Uttarakhand young innovator builds India's own flying vehicle, conducts first test flight: WATCH
)
Chilling video shows students take cover as teen opens fire at Thai school
)
Reese Witherspoon's father hospitalised after poolside incident in Nashville: Report
Another major change is to UPI autopay, the feature used for subscriptions, SIPs (systematic investment plans), and recurring bill payments. These transactions will now be processed only in three fixed time slots:
- Before 10 AM
- Between 1 PM and 5 PM
- After 9:30 PM
This scheduling is aimed at reducing congestion during peak payment hours (10 AM–1 PM and 5 PM–9:30 PM), when the platform is under maximum load. In addition, payment reversal requests will be capped at 10 per month, with a maximum of 5 allowed per sender.
Stronger oversight, greater transparency
The NPCI will also be closely monitoring how UPI apps and partner banks use critical APIs (application programming interfaces), focusing on their transaction-per-second (TPS) loads and request frequency. Non-compliance could lead to penalties or restricted access.
In a welcome move for fraud prevention, users will now see the recipient’s bank name before confirming a transaction, adding another layer of transparency. The reforms come as UPI continues to surge, processing billions of transactions each month. The International Monetary Fund recently praised India’s payment infrastructure as the fastest globally, with UPI playing a central role since its launch in 2016.