UPI Rules Change From 1st August 2025 : Balance Check to Autopay Transactions, Here's All You Need to Know

 As with every new month, several key financial and digital rules have changed starting August 1, 2025, directly impacting how consumers use UPI, conduct autopay transactions, and interact with banks. From UPI transaction limits to the implementation of the Banking Regulation (Amendment) Act, 2025, these changes aim to streamline operations, enhance security, and improve user experience. Here's a detailed look at what’s new from today:

UPI Balance Check Now Limited to 50 Times a Day

The most significant change affects users of Unified Payments Interface (UPI). From August 1:

Balance check limit capped at 50 times per day.

Users can view their bank account list only 25 times a day.

This change is aimed at reducing server load and preventing abuse or system misuse.

New Timing Window for UPI Autopay Transactions

Recurring UPI autopay transactions such as loan EMIs, mutual fund SIPs, OTT subscriptions (like Netflix, Amazon Prime) will now be processed only during non-peak hours, to avoid congestion and payment failures. The new timings are:

Before 10:00 AM

Between 1:00 PM to 5:00 PM

After 9:30 PM

This may affect the usual billing time for many users and requires them to monitor their accounts more closely.

Limited Attempts for Failed Transactions

If a UPI transaction fails, users will now get only three attempts to check the payment status. Each attempt must be spaced 90 seconds apart, minimizing server stress and encouraging system efficiency.

Recipient’s Name Will Now Be Displayed Before Sending Money

To reduce chances of wrong transactions, UPI apps will now mandatorily display the name of the recipient before money is sent. This feature will enhance transparency and prevent errors, particularly in person-to-person transfers. 

Banking Regulation (Amendment) Act, 2025 Now Enforced

The Banking Laws (Amendment) Act, 2025 has officially come into force today. Key provisions include:

Improved governance in public sector banks.

Extended tenure for directors in cooperative banks.

Enhanced auditing standards in government banks.

Permission to transfer unclaimed dividends, interest, and bond amounts to the Investor Education and Protection Fund (IEPF).

This legislative step aims to bolster depositor confidence and safeguard investor interests.

These reforms, while technical in nature, are set to impact millions of users, from daily UPI users to retail investors and banking customers. As these changes take effect, financial experts advise users to stay updated, track their transactions more carefully, and adjust their payment habits accordingly.