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