RBI's New UPI Rule: Sakchi Jain Explained

Sending money online is very easy now. But this speed has also increased fraud cases. Many scams happen when people are forced to send money quickly without thinking. Finance influencer Sakchi Jain shared details about a new rule proposed by the Reserve Bank of India that can help reduce such fraud.

What Is the New Rule?

The RBI is planning this change:

UPI transfers above ₹10,000, May take up to 1 hour to reach the other person. This rule will apply only to account-to-account transfers.

Why Is This Rule Important?

• The main reason is to stop fraud.
• Many scams create panic and urgency because people send money without checking properly.

A one-hour delay gives you time to:

• Think again
• Check if the request is real
• Stop the payment if something feels wrong

What Will Stay Instant?

You don't need to worry about daily payments.

• Food orders 
• Shopping payments
• Bill payments

Can You Skip the Delay?

Yes, there are options:

1. Trusted Contacts (Whitelist): You can mark people you trust Payments to them will stay instant.

2. Urgent Transfer Option: You can send money quickly if needed, but you may need to complete extra verification for safety purpose. 

It may feel slow sometimes, but it can:

• Help avoid big losses
• Reduce fraud cases
• Keep your money safe

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