Major UPI New Rules Come Into Effect From August 1, 2025: What Users Need to Know

The introduction UPI new rules in the Indian digital payment world, effective August 1, 2025, has been a major shake-up to the industry. These UPI new rules, introduced by the National Payment Corporation of India (NPCI), will help eliminate system overload and increase the velocity of transactions among millions of users across the country.

Key UPI New Rules That Affect Daily Transactions

The UPI new rules have come with some notable restrictions that will directly affect the working of users with their most common payment apps, such as Google Pay, PhonePe, and Paytm.

Balance Check Restrictions Under UPI New Rules:

• Users will be able to check their account balance in any UPI app, but up to 50 times a day
• Only direct balance requests by the users have been considered in this 24-hour computation
• Apps offered by UPI are no longer able to check balances in the background
• The number of times that you can view transaction history on any one of the apps is limited to 25 times per day

Payment Status and Auto-Payment Change: Another aspect of the UPI new rules is the modification of how payment status checks are conducted. Verifying the status of the payment can be done now only 3 times a day with a compulsory 90-second delay between the checks. Other features will include that payment of auto-subscriptions and EMIs can only be made during non-peak hours (before 10 AM or after 9:30 PM).

Chargeback Limitations: Under the UPI new rules, users will be able to request chargebacks (money refunds), at most, 10 times per day. Additionally, once per month, a merchant or company can only make a request of 5 times to get a refund.

Read Also: NEET PG Admit Card 2025 Released: Download Your Hall Ticket from NBEMS Official Website

ICICI Bank Introduces Transaction Charges Under UPI New Rules

ICICI Bank has enforced other UPI new regulations that are to be implemented on the merchants and payment aggregators. The bank will begin to impose a fee on payments with the payment aggregators as of August 1, 2025.

Fee Structure of ICICI Bank:

• 2 basis points (0.02%) of payment aggregators having an escrow account (maximum 6 rupees per transaction)
• 4 basis points (0.04%) in case there are no escrow accounts (max of 10 per transaction).
• The charges are related to the use of merchant accounts and not individuals

UPI new rules

• The UPI app limits the balance checking to 50 times a day
• Viewing of transaction history is limited to 25 times per day
• Three times a day were the maximum payment status queries, with a 90-second interval
• Auto-payment that is only doing it during non-peak time
• Maximum chargeback rates of Rs 10 per month Rs (5 per merchant)
• The ICICI Bank charges 0.02-0.04% transaction fees to payment aggregators.
• UPI apps do not do automatic background balance checks