&w=3840&q=100)
UPI apps to limit balance checks, autopay from Aug 1: How changes help you
The National Payments Corporation of India (NPCI) is introducing new rules to regulate how often certain backend requests or API calls can be made. The changes seek to improve system efficiency and reduce unnecessary traffic that can slow down transactions.
New rules
NPCI found that a high number of non-financial requests, such as checking bank balances or listing linked accounts, are overloading the system. To ensure smoother and quicker payments, limits will be set on how these functions operate in an app. Here's how your experience with UPI apps may change under the new framework:
Balance enquiries:
You will be able to check your bank balance up to 50 times per app per day. To minimise this need, banks must also display your available balance after every successful UPI transaction.
Linked accounts view
Limited to 25 requests per day per app. In case of an error, retries must be manually triggered by the user, not automatically repeated by the system.
Autopay
Autopay mandates will be processed after peak hours, which are between 10 am to 1 pm and 5 pm to 9:30 pm. Only one execution attempt and three retries are allowed per mandate.
Merchant verification
Apps can fetch lists of verified merchants or security keys only once a day, again restricted to non-peak hours.
Transaction status check:
Must follow a staggered pattern as previously prescribed by NPCI to avoid traffic spikes.
Digital discipline
UPI apps and banks have been directed to monitor all backend traffic, whether initiated by the user or generated automatically. Systems must no longer blindly pass requests from partner institutions, especially during peak usage windows.
Deadline for compliance
All these changes must be implemented by July 31, 2025, with system audits completed and submitted to NPCI by August 31. Non-compliance could lead to penalties, restrictions on API access, or even a ban on onboarding new users.
The changes are expected to make the UPI ecosystem more stable, especially during high-demand periods.
Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles
Time of India
5 hours ago
- Time of India
Metrowater: Pay using official methods only
Chennai: Metrowater has urged residents to pay their water and sewerage tax only through officially authorised methods. This follows complaints of payments being demanded through unauthorised channels by people posing as Metrowater staff. Officials from Metrowater said several residents receivedcalls which instructed them to pay their pending water and sewerage tax dues through UPI apps to numbers linked to private bank accounts. In many cases, the callers threatened to disconnect water connections if consumers failed to pay immediately. The board clarified that it does not authorise such practices and warned residents to remain cautious. You Can Also Check: Chennai AQI | Weather in Chennai | Bank Holidays in Chennai | Public Holidays in Chennai It urged residents not to respond to such calls or send money to unknown numbers and advised them to make payments only through recognised methods. Payments can be made through the Metrowater website ( or through the direct billing portal ( "To make UPI payments, they must use the utilities section of UPI apps, where Metrowater appears as the official biller," an official said. Consumers can pay in person at any of the 15 area offices or the head office. They can scan QR codes displayed at official collection centres. Authorised personnel also carry iPoS machines. Metrowater has said it will not take responsibility for any financial loss caused by fraudulent transactions. It has urged residents who have queries to call 044 - 4567 4567. Get the latest lifestyle updates on Times of India, along with Friendship Day wishes , messages and quotes !
Economic Times
5 hours ago
- Economic Times
ED makes first arrest in loan fraud case linked to Anil Ambani
New Delhi: The Enforcement Directorate (ED) late Friday evening arrested the managing director of an Odisha-based company - its first arrest in an alleged bank loan fraud case involving the Anil Dhirubhai Ambani Group (ADAG). Partha Sarathi Biswal, MD of Biswal Tradelink Pvt Ltd (BTPL), is accused of arranging a fake bank guarantee of ₹68 crore for an ADAG firm. According to the ED, its investigation has revealed that BTPL fraudulently arranged and submitted the fake bank guarantee along with forged SBI endorsements and fabricated confirmations on behalf of Reliance Nu Bess Ltd for a tender floated by Solar Energy Corporation of India Ltd (SECI). For this, BTPL received ₹5.40 crore from Reliance Nu Bess' parent, Reliance Power Ltd, ED has ED carried out searches against Biswal Tradelink on Friday. Agency sources said the evidence gathered by ED confirmed the use of fake documents in the name of certain banks and fake email IDs in the name of SBI."Probe reveals BTPL, a small company incorporated in 2019, maintained multiple undisclosed bank accounts and carried out transactions disproportionate to its declared turnover. Many violations of the Companies Act are found," the probe agency said in a news release on Saturday. Statutory records such as books of accounts and shareholders' registers were not found at the registered address, it said, adding: " Dummy directors are found to be used just to sign the documents."At least seven undisclosed bank accounts of the company were found and "proceeds of crime, of crores of rupees, have been traced to these accounts", it claimed. Biswal was produced before a Delhi court, which sent him to ED's custody till August 6. ET was the first to report on Friday that the ED had summoned Anil Ambani for questioning in connection with its investigation into the ₹17,000 crore alleged loan fraud case. Ambani has been asked to appear before the agency on August 5. According to the Enforcement Directorat, Biswal Tradelink ran a racket that issued fake bank guarantees to business groups. As per the agency, the Delhi Police filed the first information report in the case based on a Reliance Nu Bess company, accusing Biswal Tradelink of cheating it by promising to arrange bank guarantees for a fee and then providing a fake bank guarantee. According to the ED, Reliance Nu Bess wrongly claimed that it was cheated. "Documentary evidence reveals that apparently the two parties acted in collusion. The directors of Biswal Tradelink were found to be previous directors of Reliance group," a senior official had told ET.A statement issued by the Reliance Group on Friday said: "The company and its subsidiaries acted bonafidely and have been a victim of fraud, forgery and cheating conspiracy. The company has made due disclosure on this to the stock exchanges on November 7, 2024," it further said "a criminal complaint in this regard has already been lodged with the Economic Offences Wing (EOW) of Delhi Police against the third party on October 16, 2024" and that the "due process of law will follow".
The Hindu
5 hours ago
- The Hindu
Metrowater cautions residents against fraudsters impersonating as officials
Chennai Metrowater has warned consumers against fraudsters impersonating as officials asking for payment of pending water, sewer tax and charges. This follows a recent increase in complaints regarding such scams. In a press release, the water agency has cautioned consumers against fraudsters tricking them as Metrowater employees, instructing them to remit outstanding water, sewer tax and charges via mobile number linked to private bank account through UPI services. They also threaten to disconnect services if payment is not made. The water agency has asked residents to be vigilant of such calls from unauthorised persons. Residents may remit payment through its official website, or in collection centres located in all 15 area offices and head office. They may also use the iPoS machines carried by Metrowater depot managers to pay the bills. For UPI transactions, consumers may navigate to the utilities category under the bill payment option and choose CMWSSB for tax and charges payment. Residents contact the helpline 044-45674567 for any clarifications about pending tax and charges, the release said.
