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New Delhi: Some significant changes are going to happen soon in the Unified Payments Interface (UPI), which revolutionize the digital payment world. The National Payments Corporation of India (NPCI), which oversees the UPI ecosystem, has implemented new boundaries to reduce the pressure on the system and to remove problems like delay and failed transactions. According to NPCI, this step will make the UPI more smooth and reliable. Let us know what changes are going to be implemented in UPI from next month, which can affect your digital payment habits.

1. Ban will be banned on the most used APIs: ‘Repeated’ request will be liberated

NPCI has recently released a circular in which banks and payment service providers (PSPs) have been ordered to limit the use of the most commonly used API (application programming interfaces) on the UPI network. These include APIs such as Balance Inquiry, completing the autope mandate and checking the transaction status. The NPCI has said that repeated API requests increase the pressure on the UPI network, which increases the risk of downtime of the system. This change will be for users who often use these features, so that the network does not cause unnecessary burden.

2. limit of balance check: now only 50 times per day

From next month, UPI users of their account Balance check (Account balance) only 50 times per day Will be able to do only According to the NPCI guidelines, the UPI app must limit the balance inquiries requests to reduce load in peak hours. Therefore, a daily limit of 50 times has been set per customer in 24 hours. This step is important for those users who repeatedly check their account balance.

3. Watching the list of linked accounts: now only 25 times per day

UPI users list of bank accounts linked to their mobile number Only 25 times per app per app Will be able to see only This limit will also be applicable from next month. The purpose of this rule is to ensure that the pressure on the system can be reduced by repeatedly accessing the list of accounts.

4. Checking the position of transaction: only three times and every time a difference of 90 seconds

Now you someone Transaction status How many times can you check, its number also Three Will be limited to. Not only this, at least between each investigation Difference of 90 seconds It will be necessary to be. This change is relevant to users who repeatedly examine its position after the transaction is completed, causing unnecessary load on the network.

5. Changes in UPI autope: will be payable within a fixed time limit

UPI by NPCI Autopay (UPI Autopay) For transactions Fixed Time Slots Are being introduced. According to this, EMI, Utility Bills, Subscription and other auto-payment Scheduled payments (Scheduled Payments) will be processed during the day, rather than processing randomly, during specific windows. This change will help the customers to know when their regular payments will occur and will also reduce the sudden load on the system.

6. These new rules will apply to all UPI users

It is important to note that it New limits On all platforms All UPI users Will apply to These will apply to all those who use apps like Paytm, Google Pay, PhonePe or any other UPI payment app. These boundaries have been introduced to address users who overload the system with repeated requests.

7. New responsibility of banks: It is mandatory to give information about the balance available after every financial transaction

As per NPCI instructions, issuer banks now Each financial transactions After users must inform about the available balance in their accounts. This is an important step that will provide more clarity to customers about their account balance and increase transparency in digital transactions.

This step of NPCI is an important effort to make UPI more stable, efficient and more reliable for all. Although some users may have to coordinate with these new boundaries, it is considered an essential step in view of long -term benefits.