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UPI Changes from August: Stricter Fraud Controls, New Limits

UPI Changes from August: Stricter Fraud Controls, New Limits
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By : Krishna Mishra

  |  1 Aug 2025 8:02 PM IST

The National Payments Corporation of India (NPCI) is rolling out key changes to strengthen UPI – India’s digital payment backbone handling 12B+ monthly transactions. The updates target fraud prevention, server efficiency, and user convenience:

Key Changes:

✔ Balance Check Limit: Max 50/day (auto-display post-transactions)

✔ Stricter Auto-Pay Windows: Fixed timings for recurring payments

✔ Enhanced Security: Tighter recipient verification & restricted bank detail access

All apps (Google Pay, PhonePe, Paytm, Amazon Pay, bank UPI) will implement these changes. The move aims to:

Reduce server overload during peak hours

Minimize social engineering frauds

Streamline frequent transaction flows

Impact: While balance checks get restricted, real-time updates post-transactions will compensate. Businesses using bulk UPI payments may need workflow adjustments.

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