From August 1, 2025, several new rules are coming into effect for UPI users in India. These changes are being introduced by the NPCI (National Payments Corporation of India) to ease network load, speed up transactions, and reduce the chances of fraud. If you use apps like PhonePe, GPay, or Paytm regularly, here are the 5 new UPI rules for August 2025 you should be aware of.

New UPI Rules August 2025

1. Daily Limit on Bank Balance Checks

You can now check your bank balance only 50 times per day per UPI app. So, if you use both GPay and PhonePe, you can do 50 checks on each app. This is mainly to reduce unnecessary pressure on servers. For most users, this limit is more than enough.

2. Account Discovery Limited to 25 Times a Day

You will only be allowed to check which bank accounts are linked to your mobile number 25 times per day. This feature is usually used during UPI registration or when switching SIMs.

3. Auto-Pay Transactions Will Be Time-Based

Auto payments such as OTT subscriptions, SIPs, or utility bills will now be processed only at three fixed time slots: before 10 AM, between 1 PM and 5 PM, and after 9:30 PM. So even if you set it up at any time, the debit will happen only during these windows.

4. Limited Retry Attempts for Auto-Pay

Now, UPI auto-debit will be attempted only once, and if it fails, there will be a maximum of 3 retries. This makes the system more efficient and lowers the risk of repeated failed attempts.

5. Failed UPI Payment Status Can Be Checked Only 3 Times

If a UPI transaction fails, you can check its status only 3 times, and there must be a 90-second gap between each check. This helps prevent overload on the system.

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These new UPI rules in August 2025 are not expected to affect regular users much. However, they play a big role in improving speed, reducing downtime, and minimizing fraud risks across digital payments in India.