Big changes are coming to UPI users in India starting August 1, 2025. The National Payments Corporation of India (NPCI) is introducing new daily limits on activities like balance checks, autopay requests, and payment status queries. The move aims to ease system strain caused by excessive API calls background processes apps use to fetch info from banks especially during peak hours.
The new rules won’t limit the number of money transfers but will restrict how often services like balance enquiries can be used. For example, balance checks will be capped at around 50 times per day per app. Stricter controls will also be applied between 10 AM-1 PM and 5 PM-9:30 PM, when UPI traffic surges the most.
To cut down on redundant balance queries, NPCI has suggested including a user’s latest balance in transaction alerts. Banks and apps must enforce these limits and report compliance by August 31, 2025, or risk penalties and service restrictions.
