UPI Changes from 1 August: Here’s What You Need to Know About New Rules, Changes Coming to GPay, Phonepe, Balance Check Limit, and More

There have been some major changes coming to the Unified Payments Interface (UPI) beginning from 1 August 2025. These changes will bring a fresh wave of updates for users and banks in relation to how they interact. These changes will be effective for all the popular payment systems, including Gpay, PhonePe, Paytm, and more.

Check Out What’s Coming Under the New UPI Rule:

The new UPI rules were introduced by the National Payments Corporation of India (NPCI). As per organization, these new rules are designed in such a way that it will improve the overall reliability and performance of UPI. These new rules will improve everything during high-traffic periods.

From revised auto-debit timings to new balance check guidelines, the changes aim to enhance the system’s efficiency and user experience across the board. The new rules will be implemented from 1August 2025.

Balance Check Limit:

Now there will be a balance check limit in UPI, meaning you will now be able to check your bank account balance only 50 times per day on each UPI app. If you are using multiple UPI apps, then limit will be applied to each app individually.

AutoPay Time Slots:

Auto-debit transactions will be processed in three specific time slots including before 10:00 AM, between 1:00 PM and 5:00 OM, and after 9:30 PM.

Linked Account Checks:

Another major update that National Payments Corporation of India introduced is the Linked Account Checks. Under this new rule, you will be able to check your linked bank accounts only 25 times a day.

Failed Payment Status Checks:

You can now check the status of your failed payment only three times a day, with a minimum gap of 90 seconds between each check.

Transaction Status Checks:

The transactions status check will now restrict banks for 90 seconds before they could check the transactions status. Additionally, banks can only perform a maximum of three checks within two hours.

To recall, the payment system witnessed two major outages on March 26 and April 12 that impacted several incoming and outgoing of transactions.