New Delhi: Starting November 3, 2025, the National Payments Corporation of India (NPCI) will bring new rules for UPI settlements. The aim is to handle rising transactions more smoothly and on time.
How settlement happens now
At present, UPI clears payments through 10 daily RTGS settlement cycles. These cycles include both authorised transactions (successful payments) and disputed transactions (failed or challenged payments).
Can Your Everyday UPI Payments Really Earn Cashback? Here's The TruthWhat will change from November 3
Authorised transactions only: From cycle 1 to 10, only authorised transactions will be processed. No disputes will be included.
Disputes handled separately: Disputed transactions will now be settled twice a day, in cycle 11 and cycle 12. These two cycles will handle only dispute cases.
New identifiers: NPCI will add DC1 and DC2 identifiers (DC = Dispute Cycle) in the file naming system for dispute settlements.
UPI Digital Payments To Remain Free For Now, Centre SaysNo change in timings
The existing cut-over timings, RTGS posting timeline, reconciliation reports, and GST reports will remain unchanged. Only the way settlements are separated will change.
Update on Paytm UPI Autopay
NPCI has also extended the deadline to close old @paytm UPI ID Autopay mandates. Earlier, it was set to end sooner, but now the deadline is pushed to October 31, 2025.
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