Key Highlights
- UPI request payment feature discontinued to curb scams and fraud.
- UPI transaction limit increased from ₹1 lakh to ₹5 lakh.
- AutoPay feature introduced for EMIs, subscriptions, and utility bills.
- Changes announced by NPCI are effective immediately.
If you frequently use UPI, two new changes announced by the government and the National Payments Corporation of India (NPCI) could impact you directly. These changes aim to make digital transactions more secure and convenient.
Quick Comparison: Before vs After
| Rule | Before | Now |
|---|---|---|
| Request Money Feature | Available (users could send requests to others) | Discontinued (to curb scams) |
| UPI Transaction Limit | ₹1 lakh | ₹5 lakh |
| AutoPay Option | Not available | Introduced (EMIs, subscriptions, utility bills) |
UPI Request Payment Feature Discontinued
Until now, UPI users could send a payment request to friends or relatives, who could then approve and send money. However, scammers began exploiting this feature to trick people into authorizing fraudulent transactions. To curb these scams, NPCI has discontinued the payment request service effective today.
UPI Transaction Limit Raised to ₹5 Lakh
At the same time, NPCI has increased the UPI transaction limit five-fold. Earlier, users could transfer up to ₹1 lakh in a single transaction. Now, this limit has been expanded to ₹5 lakh, giving users more flexibility for higher-value payments.
Introduction of AutoPay on UPI
Another major addition is the AutoPay feature. With this, users can set up pre-authorized recurring payments for:
- EMIs and insurance premiums
- Subscriptions (OTT platforms, apps, etc.)
- Utility bills like electricity and water
This ensures timely payments without late fees or penalties, offering a hassle-free digital experience.
UPI: A Digital Revolution
Since the COVID-19 pandemic, UPI usage has grown exponentially. From paying a local vegetable vendor to settling monthly EMIs, UPI has become a part of everyday life. These changes will further strengthen UPI’s role in India’s journey toward a cashless, digital economy.
Note: These changes are effective immediately. Users are advised to update their apps and explore the new AutoPay option. Always remain alert to potential fraud and never approve unknown UPI requests.
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