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In a major step toward making digital transactions easier and more reliable, the National Payments Corporation of India (NPCI) has introduced UPI AutoPay, a feature designed to automate recurring payments such as electricity bills, EMIs, OTT subscriptions, mutual fund SIPs, and insurance premiums.

With UPI AutoPay, users can set up a payment mandate directly through their UPI app, specifying the amount, frequency, and date for automatic deductions. Whether it’s a monthly, quarterly, or annual payment, the process is completely secure, transparent, and user-controlled. Before every debit, users receive a notification, ensuring full awareness and authority over their transactions.

This feature is especially beneficial for people who manage multiple bills with different due dates. It eliminates the hassle of missed payments or late fees. Users can modify, pause, or cancel their payment mandates anytime from their UPI app, giving them total flexibility and control.

The growing adoption of UPI AutoPay reflects its popularity across India. According to NPCI data, as of January 2025, UPI AutoPay accounted for over 53% of recurring transactions, a threefold increase from the previous year. This surge shows that users now value convenience, autonomy, and security in digital payments more than ever.

Platforms like Netflix, Disney+ Hotstar, and several financial institutions have already integrated UPI AutoPay, making subscription renewals and EMI payments seamless.

Experts believe that UPI AutoPay is not just simplifying digital payments but also accelerating India’s move toward a cashless economy. With its focus on simplicity, safety, and speed, this feature ensures that users can make timely payments without manual effort — strengthening trust in India’s digital ecosystem.