From new rules to PIN-free payments – several major UPI updates took place in 2026. Explaining what has changed and how it affects you in this article.
New UPI rules from August 1st
Since the summer, new UPI rules have been in place. They were accepted to improve the overall user experience by reducing the load and cutting down the number of failures.
Balance check limits
According to the new UPI rules, one can check their account balance up to 50 times a day. It should be more than enough for an average user, yet it helps to relieve the system of the load, allowing it to work faster and more smoothly.
Account views limits
For similar reasons, the number of attempts to view linked bank accounts was reduced to 25. If you frequently check them, this new UPI payment rule may affect you. However, for most users, the change was seamless.
Autopay mandates timing
Autopay mandates are recurring payments, such as subscriptions, bills, and EMIs. Before the introduction of the new rules of UPI, mandates could be initiated at any time, but now things are entirely different.
- Only 1 initial try + 3 retries are allowed.
- Autopay transactions are executed only during the non-peak hours (= any time except for intervals from 10:00 AM to 1:00 PM and from 5:00 PM to 9:30 PM)
Since the process is automatic, you’ll barely notice the changes. However, it made the system faster and more flexible.
Inactive ID deactivation
If your mobile number is inactive for 12 months, the system will close the linked account. This new UPI rule helps prevent account misuse in cases where your number is shared with a third party.
Upgraded bank account verification
The verification process has become stricter to prevent fraud. So, be ready to spend more time than before on verifying your identity and bank account information. This new rule for UPI payments may seem frustrating, but it’s done to protect you and other users.
Explore: Top banks in India.
Reduced response time
Last but not least, new UPI rules from August 1st claim that the average response time is only 10 seconds. Previously, the promised interval was equal to 30 seconds. The system is faster than ever, so more and more Indians are using it from every corner of the world.
These were six new UPI payment rules that matter to users. Summing up, payments were made smoother and are now quicker than before – less stress, more joy.
PIN-free payments
If most of the new rules of UPI transactions were seamless to you as a user, this update is a sea change. Starting from October, you can approve certain payments with biometrics: face ID or fingerprints. Key points:
- PIN authentication is still available.
- The initial limit for PIN-free transfers is 5,000 INR.
- You can disable the feature anytime.
UPI has finally become a modern system, supporting up-to-date solutions – a huge cause of joy for face/fingerprint verification enthusiasts.
If you live abroad, top up the UPI account via Profee – your trusted and secure online service. Profee sends money to India safely and at great rates, so you get the most out of your money.
FAQ – New rules for UPI payments
Is the UPI transaction banned?
No, on the contrary, they are gaining popularity. Only one type of transaction was restricted recently – Person-to-Person (P2P) Collect Request.
Are UPI payments going to stop?
No, there are no plans to shut down the system in the near future.
Are UPI payments no longer free?
Most personal operations remain free. However, always read the terms of the transfer before approving it.
How can I send money to UPI?
- Join Profee.
- Select your transfer countries.
- Add the transfer amount.
- Pick a payment method.
- Enter the recipient details.
- Confirm.
Check our full guide on transfers to UPI here.
Can UPI get hacked?
Yes, if you share your details and fall for a scam. However, entering basic details for UPI transfers into trusted services like Profee is fully safe.
