If you’re someone who uses UPI apps like PhonePe, Google Pay, BHIM, or any other for everyday digital payments, then there’s important news for you. Starting August 1, 2025, the National Payments Corporation of India (NPCI) is bringing key updates to the way UPI works — especially for auto-payments, balance checks, failed transactions, and new account verifications.
What’s Changing from August 1?
From August 1, new UPI rules will take effect to reduce system load, improve transaction speed, and strengthen security. Here’s a closer look at the five major updates every UPI user should know:
1. Auto-Pay Requests Will Now Run on Fixed Time Slots
Have you set up auto-pay for things like your OTT subscriptions, monthly rent, or SIP investments?
From now on, these automatic payments won’t be processed randomly throughout the day. Instead, they’ll be scheduled in specific non-peak hours to ease the burden on UPI servers:
- Before 10:00 AM
- Between 1:00 PM – 5:00 PM
- After 9:30 PM
You’ll also receive a notification when your auto-payment is being processed — so you’re always in the loop.
2. New Limit on Checking Balance via UPI
Every time someone checks their bank balance using UPI — especially with biometric login like Face ID or fingerprint — it puts a significant load on the servers.
To manage this, NPCI will now allow a maximum of 50 balance inquiries per day via UPI apps.This change is aimed at ensuring faster and smoother transactions for everyone — especially during peak hours.
3. Faster Update for Failed UPI Transactions
We’ve all faced it — money gets deducted from your bank, but the receiver doesn’t get it. Frustrating, right?
To solve this, NPCI is upgrading UPI apps to show real-time status for failed transactions. No more waiting for the dreaded “pending” message to resolve.
From August 1, you’ll get a clear status update within seconds. Plus, if a payment is stuck, you’ll be able to check its status three times, every 90 seconds — no more guessing games.
4. Tighter Security for New Account Verification
Linking a new bank account on your UPI app? It’s going to be more secure than ever.
From August 1, the process will involve extra confirmation from your bank, adding an extra layer of protection to your financial data.
This means safer transactions and better fraud prevention for all users.
Why These Changes Matter
With UPI handling billions of transactions daily, even minor changes can make a big difference. These updates are being introduced to:
- Reduce server load
- Increase payment security
- Speed up failed transaction responses
- Ensure better service reliability
If you rely on UPI for regular payments, staying informed about these updates will help you avoid surprises and make smoother transactions.
Final Tip for UPI Users
Keep your UPI apps updated, enable notifications, and monitor your balance inquiry limits. And if you’re setting up auto-pay, try to plan ahead based on the new time windows.
These small adjustments can help you stay ahead and stress-free with your digital payments.