These UPI Transactions Will Have Limits Under NPCI’s New API Rules Starting THIS Date

New Delhi: UPI customers from July 31, 2025 will see new limits on how frequently they may be able to carry out non-financial movements like checking balances or viewing transaction statuses. This transfer used to be introduced by way of the National Payments Corporation of India (NPCI) is a part of a brand new framework to higher arrange API utilization and make sure smoother UPI services and products particularly all the way through top hours.

NPCI, in a round dated May 21, 2025 requested all banks and cost carrier suppliers (PSPs) to stay a detailed take a look at on using ten high-frequency APIs at the UPI community. These are requests made by way of customers or techniques and the transfer is aimed toward managing community visitors, in keeping with an ET document.

These APIs come with services and products like steadiness assessments, autopay mandate processing, transaction standing updates, and account listings. Banks and PSPs have till July 31 to practice the brand new laws or they might face consequences, API restrictions, or perhaps a halt on including new consumers.

The round mentioned that PSP banks and obtaining banks will have to stay a detailed watch on all API requests despatched to the UPI method — whether or not prompted by way of consumers or by way of the banks’ personal techniques — and ensure they are used as it should be, protecting in thoughts the velocity and collection of transactions consistent with 2d.

PSPs will have to additionally publish a affirmation by way of August 31, mentioning that system-initiated API requests are correctly managed and controlled. One of the important thing adjustments is a brand new prohibit on steadiness assessments — customers will now be allowed as much as 50 steadiness enquiries consistent with app, consistent with day. So, in the event you use more than one UPI apps like Paytm and PhonePe, you’ll be able to take a look at your steadiness as much as 50 instances on every app day-to-day.

“This might be an inconvenience to traders and other users who check their balances or transactions extremely frequently,” says Musharraf Hussain, Chief Operating Officer, Ezeepay. “However, this is being done so that UPI’s infrastructure core remains stable and available for use by all.”

The round asks apps to restrict steadiness assessments all the way through busy hours (10 AM–1 PM and 5 PM–9:30 PM). Instead, banks will ship up to date steadiness information with each and every a success transaction. While this is helping ease the method, it will imply customers can’t get real-time steadiness updates each time they would like.

“Customers might not be able to get a real-time, updated balance of their accounts on PSP apps,” stated Pavan Kumar, Chief Product Officer at NPST. Still, NPCI has confident that buyers will stay receiving correct steadiness updates even after those adjustments are made.

Autopay and Transaction Rules Updated

Autopay mandates, that are used for normal bills like SIPs or subscriptions will now be processed best all the way through non-peak hours. However, consumers can nonetheless set them up anytime they would like.

The round explains that for autopay mandates, just one try plus as much as 3 retries are allowed, and those can occur best all the way through non-peak hours with managed pace. For transaction standing assessments, banks and PSPs will have to wait 90 seconds after a transaction is authenticated ahead of the primary standing take a look at, and prohibit standing assessments to a few instances inside two hours.

To save you needless repeated makes an attempt, some error codes will now purpose transactions to be marked as failed. Additionally, obtaining banks will have to entire an annual audit by way of CERT-In licensed auditors, with the primary audit scheduled by way of August 31 this yr.

Account Listing Limits for Smoother UPI

Another essential API being managed is the account checklist request, which we could customers see all accounts connected to their cell quantity. This will now be restricted to 25 instances consistent with app consistent with buyer on a daily basis. Users can best make this request after opting for their financial institution within the app, and any repeated makes an attempt require the buyer’s transparent permission.

These new laws are a part of NPCI’s plan to support its backend techniques as real-time bills develop. By surroundings limits on widespread API requests, NPCI hopes to offer a smoother and extra dependable revel in for customers, particularly all the way through busy instances.