UPI Rule Change: NPCI’s New UPI Rules from April 1, Mobile Number Deactivation to Secure Transactions, Check What's About to Change

The National Payments Corporation of India (NPCI) is set to introduce new rules from April 1, 2025, aimed at improving security and preventing unauthorized transactions in UPI apps like Google Pay, PhonePe, and Paytm. These rules will impact both bank customers and UPI users, ensuring that only active mobile numbers remain linked to financial accounts.

Why Are Mobile Numbers Being Deleted?

Under the new framework, banks and payment service providers will be required to submit a weekly list of inactive, disconnected, or surrendered mobile numbers to NPCI. This step is being taken to:

Prevent transactions from inactive or reused numbers

 Avoid fund transfers to outdated mobile numbers

Ensure that all banking and UPI services are linked to updated mobile numbers

If a user has linked one mobile number to multiple bank accounts but no longer uses it with one of the banks, that number may also be removed from the system.

Therefore, while making transactions, it is ensured that the relevant number is not in use. This will avoid unnecessary transactions. These new rules have ensured that users will now have new guidelines for seeding or porting mobile numbers.

What Should Users Do?

If you receive a request from your bank to update your mobile number, do it immediately to avoid service disruptions.

Ensure that your active mobile number is correctly linked to your bank accounts and UPI apps.

Be cautious while making transactions, as inactive numbers will no longer be recognized for banking and UPI services.

Changes in UPI Transfer Rules from April 1

Along with mobile number updates, NPCI is also rolling out new UPI transfer rules that will impact how funds are transferred from banks to UPI wallets. Details regarding transaction limits and processing changes are expected soon.

Stay updated and take necessary action to avoid any interruptions in banking and UPI transactions.