The National Payments Corporation of India (NPCI) has imposed key changes to its Unified Payments Interface (UPI) system that will take effect on August 1, 2025. These UPI guidelines have the main purpose of increasing security aspects of users. The essence of UPI service has not been changed, but there are certain alterations that users need to know about.

Highlights:

• Daily transaction limits for peer-to-peer (P2P) transfers are reduced.
• Recurring payments via UPI AutoPay require fresh user consent every 90 days.
• A mandatory four-hour cooling-off period applies after registering any new UPI AutoPay mandate.
• Enhanced security checks are implemented for higher-value transactions.
• Clearer, more immediate transaction notifications are provided for all payment activities.

The UPI guidelines offer high security on recurrent payments. UPI AutoPay now requires to be individually re-subscribed to by the user every three months. This makes automatic deductions actively controlled by the users. Moreover, the new 4 hour cooling period does not permit automatic application of new mandates until there is time to cancel them in case there was an inclination to do so.

The changes in the daily transfer limit are another important aspect of the UPI rules. The limit that is set on the standard P2P transfers is reduced. The rationale behind this change is to reduce the massive fraud. Users who want to transfer more money might require resorting to other solutions that are accepted at the banks.

Such UPI guidelines focus on the security of users in the online payments ecosystem. The more strict restrictions on recurrent payments help to avoid fraud charges. The additional layer of security is the lower P2P limits. By August 1, 2025, these UPI rules should be understood by the users.