UPI New Rules: NPCI (National Payments Corporation of India) has released new API guidelines for banks and payment apps to make UPI faster, secure and stable.
UPI New Rules: NPCI (National Payments Corporation of India) has released new API guidelines for banks and payment apps to make UPI faster, secure and stable.
If you haven’t used your UPI ID for 12 consecutive months, it will be automatically deactivated. This means you won’t be able to send or receive money using that UPI handle unless you reactivate it.
Why this matters:
This is being done to prevent misuse of dormant accounts and reduce fraud.
What you should do:
If you have any secondary UPI accounts that you rarely use, consider logging in and performing a small transaction before July 31 to keep them active
If you use UPI for recurring payments such as OTT subscriptions, loan EMIs, or insurance premiums, you’ll need to reconfirm or reapprove your UPI auto-debit mandates.
What’s changing:
Auto-debit mandates older than one year will expire unless reconfirmed.
Action required:
Check your active mandates and renew the ones you want to keep.
Banks and payment apps will now be required to process UPI payments within specific time windows to avoid delays.
Impact on users:
Faster and more reliable UPI transfers, especially during high-traffic hours like festival seasons or month-ends.
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