Latest UPI updates as of 1 August 2025

Current Context: On 1st August 2025, Unified Payments Interface (UPI), India’s leading real-time payment system, has introduced key tech-policy updates aimed at improving transaction security, optimizing server usage, and streamlining recurring payments.

• These changes come as UPI surpasses 12 billion monthly transactions, demanding more robust infrastructure and user safeguards.

Highlights

• Daily Cap: Balance check limit at 50 times/day; account views capped at 25/day
• Auto-Display: Account balance shown automatically post-transaction
• AutoPay Slots: Scheduled only during off-peak hours for load balancing
• Fraud Control: Recipient’s name and transaction ID shown before payment confirmation
• Chargebacks: Max 10/month, with 5 per merchant allowed
• Non-Compliance: May lead to API restrictions or user onboarding suspension

Question:

Q.1 As per the Unified Payments Interface (UPI) update on 1 August 2025, what is the newly introduced daily limit for balance checks per user?
a) 10 times
b) 25 times
c) 50 times
d) 75 times

Answer: c) To reduce server load, UPI has capped the number of balance checks at 50 per day per user. This is part of its effort to optimize backend efficiency without affecting user experience.