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ARTICLE · 11 AUGUST 2025

NPCI Guidelines On UPI And API Usage

On May 21, 2025, the NPCI introduced new guidelines to streamline the Unified Payments Interface ("UPI") and its Application Programming Interface ("APIs"), effective August 1, 2025.

IndiaTechnology

Introduction

On May 21, 2025, the NPCI introduced new guidelines to streamline the Unified Payments Interface ("UPI") and its Application Programming Interface ("APIs"), effective August 1, 2025. These rules aim to reduce system congestion, enhance security, and improve user experience for over 14 billion monthly transactions. Below, we outline the key provisions and their specific impacts on end users, banks, payment service providers ("PSPs"), and fintech companies.

Key Provisions and Their Impact

  1. Balance Enquiry Restrictions:
    • Provision: Limited to 50 balance checks per user per day per UPI app. Banks must display updated account balances with transaction notifications.

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