UPI Rule Changes: 3 UPI-related rules changed from January 14! Check them immediately.

 UPI Rule Changes: New rules related to UPI have come into effect from February 14, 2026. NPCI has made these changes to ensure UPI transactions are faster, safer, and less stressful on bank servers. Now, all users, whether ordinary customers or merchants, will be affected by these changes. The most significant change is regarding balance checking—now, a maximum of 50 balance checks can be made from a single UPI app per day. If someone uses two apps, they can check their balance in total 100 times. This will reduce unnecessary load on bank systems and make the payment process more smooth.

UPI Rule Changes: Starting today, February 14, 2026, some major changes are taking place regarding UPI. NPCI has introduced these new rules to make UPI faster, safer, and less burdensome on bank servers. Nowadays, everyone uses apps like Google Pay, PhonePe, and Paytm to make payments, pay bills, and scan QR codes at stores. These changes will affect all users, whether ordinary people or merchants.

The first change is a limit on balance checks. Each UPI app can now check its bank account balance only 50 times per day. If you use two apps, the total will be 100. This will reduce unnecessary load on bank systems and make transactions run more smoothly.

Account Details Viewing Limits

Another major change is the limit on account details. Requests to view bank account details linked to the List Accounts API can now be made only 25 times per day per app. Previously, people used to check frequently, which put a strain on the server. This has now been restricted to ensure better system performance. These rules won’t have much impact on average users, as most people don’t check so frequently. However, if someone used to check frequently, they will now need to plan ahead.

Credit Line Payments

The third change concerns credit line payments. This will begin in August 2026, but some preparatory rules will be implemented starting February 2026. Now, you can make payments or withdraw money from a pre-approved credit line using UPI, just like a credit card, but without a physical card. This feature will make UPI more powerful, especially for those using small loans or credit. This will make digital payments easier, but will also focus on security.

NPCI has made these changes because UPI handles transactions worth lakhs of crores daily. These steps have been taken to reduce failed transactions, prevent fraud, and strengthen the server. Users will enjoy a more secure and faster experience. If you use UPI daily, be aware of these limits.

These changes are further enhancing UPI. Digital payments in India are at the forefront of the world, and these rules will further strengthen it. This will improve the system and speed up transactions.