The National Payments Corporation of India (NPCI) has introduced important updates to the UPI system starting August 1, 2025. These changes aim to improve transaction efficiency, reduce API load, and enhance user protection.

🔑 Key Highlights

• Balance check limited to 50 times per app per day
• Linked bank account views capped at 25 per day
• Autopay transactions allowed only before 10 AM or after 9:30 PM
• Transaction status can be checked only 3 times with 90-second gaps
• Recipient name and transaction ID must be displayed before payment
• Non-compliant apps may face API limits or customer onboarding restrictions

📊 New Rules Summary Table

Feature	New Rule
Balance Checks	50/day/app
Linked Account Views	25/day/app
Autopay Timing	Before 10 AM or after 9:30 PM
Transaction Status Checks	Max 3 with 90s gap
Recipient Verification	Show name + transaction ID before sending

🔐 Biometric Login Coming Soon

NPCI plans to introduce biometric authentication (fingerprint or facial scan) as an alternative to UPI PIN. This will further enhance transaction security and user convenience.

✅ What Should You Do?

• Keep your UPI app updated
• Limit unnecessary balance or account checks
• Use autopay only during the new time window
• Always verify recipient name before sending

These measures aim to make UPI transactions more secure and stable as India moves toward a more digital economy.

Source: NPCI Guidelines, Economic Times, Organiser, Hindustan Times