New UPI Rules Roll Out Today: Here's What You Can And Can't Do Now On Google Pay, Paytm, PhonePe

Starting today, UPI users across India will experience some important changes aimed at improving system efficiency and preventing overload. The National Payments Corporation of India (NPCI) has rolled out new rules that affect how often you can check balances, view bank accounts, and make auto-debit payments. If you use apps like Google Pay, Paytm, or PhonePe regularly, here are thnew changes you need to know. Also Read: Paytm Founder Claims Meta AI Can Read Your WhatsApp Group Chats - Is It True? Company Responds

Limit on Balance Enquiries Per Day

From August 1, users will only be allowed to check their account balance 50 times per day on each UPI app. This includes manual balance checks done by the user but excludes automatic checks done in the background. NPCI has now restricted UPI apps from making background balance enquiries. To reduce the need for frequent checks, your updated balance will automatically appear on-screen after every successful transaction. Also Read: New UPI Rules From August 1: Daily Limits, Fixed AutoPay Timings And More - All That's Changing

Restricted Access to Linked Bank Accounts

You can now view your bank account details only 25 times a day. This includes instances when you select your bank to view linked accounts via your mobile number. If a request fails, the app cannot auto-retry without asking for your permission again. This new change will help reduce system traffic caused by repeated verification attempts. Also Read: UPI Payments Now 2X Faster With PhonePe, Google Pay, Paytm, More: Here’s How

Auto-Debits Moved to Off-Peak Hours

Auto-debit transactions like OTT subscriptions, EMIs, or other mandates through UPI will now be processed only during off-peak hours – either before 10:00 AM or after 9:30 PM. NPCI says this will reduce system congestion during the busiest hours of the day, typically between morning and evening.

Limited Retries for Failed Auto-Debits

Each auto-debit transaction will now get only one attempt and a maximum of three retries. This totals to four tries per mandate. The rule is intended to prevent repeated failed attempts from putting pressure on the UPI network.