From 1 April 2025, some significant changes are going to happen in the rules of UPI (Unified Payments Interface). These changes are being implemented by National Payments Corporation of India (NPCI) to make digital transactions more secure and transparent. Under these rules, mobile numbers which have not been used for a long time or which have been closed will be removed from bank accounts. This will help reduce cyber crime and fraud events.
The purpose of these rules is to ensure that the UPI transactions are safe and correctly. If your mobile number is inactive for a long time or has been closed, you have to update an active mobile number to your bank account. Otherwise, you may have trouble using UPI services. It is necessary to know in detail about these changes so that you can continue your UPI transaction without any hindrance.
UPI Guidelines: New Rules from April 1, 2025
The following is a detailed description of UPI rules to be implemented from 1 April 2025:
| Description | Rule |
| Passive mobile number | Mobile numbers which have not been used for a long time will be removed from bank accounts. |
| Safety cause | This change has been made to prevent cyber crime and fraud. |
| Regular update | Bank and UPI apps will update their database every week. |
| User consent | User’s consent will be necessary for mobile number updates. |
| UPI 123Pay Limit | The transaction limit of UPI 123Pay has been increased from ₹ 5,000 to ₹ 10,000. |
| International UPI | International UPI transactions are also being increased. |
| Convenience fee | Facility fee may apply on some bill payment. |
Importance of mobile number update
Updating the mobile number has now become even more important as it acts as an essential identifier for UPI transactions. If your mobile number is inactive and is allocated to another person, it may cause payment failure or incorrect payment. Therefore, it is necessary to update an active mobile number to your bank account.
UPI improves security
The purpose of these new rules is to strengthen UPI security. Banks and UPI apps will update their database every week to remove the inactive or re -allocated mobile numbers. This will reduce unauthorized access and fraud incidents. Users will have to agree to update their mobile numbers, so that no changes will be made without their knowledge.
UPI 123Pay’s new boundary
The transaction limit of UPI 123Pay has been increased to ₹ 10,000, which will be beneficial for users who want to make digital payments without internet. This change will be especially beneficial for feature phone users, who have limited access to the Internet.
International UPI Transactions
The facility of international UPI transactions is also being increased, so that UPI can also be used abroad. This change will help in connecting the Indian economy globally.
Update at facility fee
The facility fee may be applied to some bill payment, which is required to inform users in advance. This fee will help make the payment process more transparent.
What users will have to do
If your mobile number is inactive or closed, then you have to take the following steps:
- Check the mobile number: Check the mobile number attached to your bank account and make sure that it is active.
- Update the number: If your number is inactive, update it immediately or add a new number.
- Contact the bank: If your old number is closed, contact the bank and add a new number.
- Update in UPI apps: Update your number and bank details in UPI apps like Google Pay, PhonePe, or Paytm.
conclusion
The UPI transactions will be even more secure and transparent with these new rules. Users will have to keep their mobile numbers updated so that they can use UPI services without any hindrance. This change will help to further strengthen India’s digital payment system.
Disclaimer: This article is written only for the purpose of providing information. This information is based on real and official sources, but for any specific financial advice you should consult your financial advisor.
