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Upi new features 2025: If you feel that UPI is only linked to savings account or wallet, then you can be shocked very soon. Since August 2025, there is going to be a change in the UPI system that will change the definition of your financial transactions.

Now you will be able to make UPI payments not only with savings account, but also fixed deposits, gold-linked accounts, share-based loans, business overdraft and other credit lines.

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What is change and when will it apply? (UPI New Features 2025)

On 10 July 2025, NPCI (National Payments Corporation of India) has issued a circular directing all banks and UPI apps to live this new facility by 31 August.

Till now this facility was limited to payment (P2M) only to shopkeepers, but now:

• P2p (person to person)
• P2PM (Payment to small traders)
• Cash withdrawal from ATM

Everything will be possible with loan or credit account.

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Now which accounts will be possible to pay? (UPI New Features 2025)

UPI can now be linked to these accounts as well:

• Overdraft account
• Loan account instead of gold
• Credit line in lieu of share or bond
• Fixed Deposit-Linked OD Account
• Business Loan Account

You will also be able to do transactions by scanning the QR code from these accounts, by entering mobile number or UPI ID.

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What are limits and conditions? (UPI New Features 2025)

• ₹ 1 lakh per day transaction limit (from UPI)
• Cash withdrawn up to ₹ 10,000 per day
• P2P transaction limit: 20 times/day
• Every bank will allow according to its policy
• Credit will only be able to use the needs of the bank.

Example: If you have taken a loan on gold, then you can pay a medical bill from it, but cannot buy new gold.

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How important will the role of the bank be? (UPI New Features 2025)

Every bank will decide:

• Which transactions should be allowed
• Which merchant category should be blocked or limited
• Under which scheme of loan, how much and what type of UPI facility

Transactions will be approved according to the bank’s board-informed policy.

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What do experts say? (UPI New Features 2025)

M2P Fintech Co-founder Prabhu Rangarajan Is said:

Will this change benefit to common people? (UPI New Features 2025)

• The loan will be made more liquid
• Small traders directly pay payment facility
• You will also be able to pay with UPI by taking a loan on FD or Gold
• Access to every account in a tap on mobile

But pay attention: Not everyone will get this facility. The bank will decide who is qualified and who is not.

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What should customers do? (UPI New Features 2025)

• Contact your bank and ask which loan/OD account can be linked to UPI
• Understand service limits, MCC restrictions and limits
• Avoid unnecessary transactions that are outside the bank’s policy
• Read the conditions of loan approval well, because not every payment will be approved

UPI 2.0: Now transactions will not be limited to bank balance (UPI New Features 2025)

The next stage of UPI is a confluence of credit and technology. This is bringing a revolutionary change for the common man, small traders and loan holders. Now your money will not stop where the bank says – If you need you, then you will be able to use the loan amount directly through UPI.

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