The most popular method of digital payment in India is UPI (Unified Payments Interface). This system is not only fast and safe, but also allows users to send and receive money easily. Recently, National Payments Corporation of India (NPCI) has issued new rules to make UPI payments more secure and user-friendly. The purpose of these rules is to solve problems related to mobile numbers and reduce cases of fraud.
Under these new guidelines to be implemented from 1 April 2025, many changes related to mobile numbers will be made in UPI payments. Let us know what these changes are, what effect it will have on users, and what preparations you should make for it.
About New UPI Rules (English Heading)
Overview of changes
NPCI has announced that from 1 April 2025, all banks and UPI apps will have to update their mobile number records regularly. This step has been taken so that errors caused by recycled or churned mobile numbers can be prevented.
Table: New UPI Guidelines Overview
| point | Description |
| Date of implementation of rules | 1 April 2025 |
| Major changes | Weekly update of mobile number records |
| User consent required | Yes |
| Digital platform usage | MNRL/Dip |
| Responsibility of banks | Keep mobile number data correct |
| Impact on UPI ID | Remove passive numbers |
The purpose of NPCI’s new rules
According to NPCI, the main objectives of these rules are:
- Increasing interoperability: Ensuring correct exchange of data between all banks and UPI apps.
- Safety improvement: Preventing fraud caused by inactive or reused mobile numbers.
- To improve user experience: To reduce the chances of wrong transactions.
What will be the changes under the new rules?
1. Regular update of mobile number records
Now banks and UPI apps will have to update their mobile number records every week. This process will be done through MNRL (Mobile Number Revocation List) and DIP (Digital Intelligence Platform).
2. User consent required
It will now be mandatory to get the clear consent of users to create or update UPI ID.
- Previously, this consent was automatically taken.
- Now, the user must actively give his consent.
3. Removal of passive mobile numbers
If your mobile number is inactive for a long time, it will be removed from bank records. The UPI ID related to this will also become inactive.
Possible problems faced in UPI payment
Effect on passive numbers
If your mobile number:
- Has not been used for a long time.
- Another person has been re -allocated.
So your UPI services may be affected.
Measures to prevent fraud
Under these rules, banks and UPI apps must ensure that the inactive or reused numbers are not linked to any other account.
What should users do?
Ensure active mobile number
- Make sure that your bank registered mobile number is operational.
- If you have taken a new number, then immediately update it to bank records.
Use UPI ID regularly
NPCI has said that UPI IDs that have not been used for the last 12 months will be deactivated.
Steps taken by NPCI
NPCI has given the following instructions to banks and UPI apps:
- Weekly Data update: to remove all passive or re -used numbers.
- Safety Measures: Applying two-level certification.
- User awareness: inform customers to update their data.
Impact on UPI payment system
Positive effect
- The possibility of errors in transactions will be less.
- The safety of users will increase.
Possible challenges
- If users do not update their data on time, their services may be interrupted.
conclusion
These new rules being implemented by NPCI will make the digital payment system more secure and transparent. However, it may have an impact on users who do not update their bank records on time.
Disclaimer:
This rule is real and has been officially declared by NPCI. If you do not update your bank information, your UPI services may be interrupted. Therefore, take necessary steps in time.
