India’s Unified Payments Interface (UPI) sees major changes beginning on August 1. These UPI, new rules aim to ensure smoother digital payments and curb fraud risk. Here’s what you must know under the new UPI rules set in from August 1,2025, including how SBI credit card users are indirectly affected.
In brief, here are the core updates :
New UPI Rules Set In from Aug 1, 2025
| Rule | Details |
|---|---|
| Balance enquiries | Max 50 per day per UPI app; auto-display of account balance after every transaction |
| Linked accounts view | Capped at 25 per app per day |
| Transaction status checks | Up to 3 checks per transaction; minimum 90-second interval between checks |
| Auto-pay scheduling | Recurring bills processed only in non-peak slots: before 10 am, 1–5 pm, and after 9:30 pm |
| Recipient name display | UPI apps must now show beneficiary’s registered name and transaction ID before confirmation |
| Mandate retry limits | One initial plus up to 3 retries allowed per mandate (total 4 attempts) |
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Why These New UPI Rules Matter
The NPCI rolled out these updates under the UPI new rules initiative to reduce server congestion, speed up payments, and improve user transparency. With India’s burgeoning UPI ecosystem now spanning tier‑2 and tier‑3 cities, such refinements are critical to maintain trust and performance.
For example, if you often check your balance via PhonePe or GPay, you must now stick within those 50 tries daily. And if a pending transaction shows “processing,” avoid hammering that status button, there’s a 90-second cooldown now.
SBI Credit Card Users: Related Changes
Though the new UPI rules from August 1st don’t directly affect credit card usage, SBI credit card holders should note that a separate change takes effect mid‑month. From August 11, complimentary air accident insurance on several co-branded SBI cards (like ELITE and PRIME) will be discontinued. If you use UPI to pay credit card bills regularly, you may receive extra SMS alerts showing balance updates after each transaction, now a built‑in feature of the new UPI rules.
Summary: What to Do Now
- Use balance checks and account views judiciously—stay under 50 and 25 per app respectively.
- Don’t hammer the status checker; wait 90 seconds between each try.
- Schedule autopay mandates within allowed time‑slots to avoid delays.
- Always verify the recipient name before hitting “Send.”
- SBI credit card users should review perks of their cards by August 11, when complimentary insurance ends.
These new UPI rules set in from August 1, 2025 underscore a shift toward a more robust, transparent payments ecosystem. While the SBI credit card changes arrive later, staying proactive will help you avoid surprises. New UPI Rules Set In from August 1 2025
