The National Payments Corporation of India (NPCI) has announced several changes to the Unified Payments Interface (UPI) system that got implemented starting from August 1, 2025.
The updates introduce revised guidelines for the use of Application Programming Interfaces (APIs) by all banks and digital payment platforms, covering features like AutoPay and balance inquiries.
These modifications are intended to enhance the stability and efficiency of UPI services, especially during high-traffic periods.
According to NPCI, the primary objective is to improve the overall reliability of the UPI network and reduce service interruptions during busy hours. Users will now be limited to a maximum of 50 account balance checks per day on each UPI app.
This move is aimed at cutting down on excessive API requests that can strain the system. In addition, users will be able to retrieve information about bank accounts linked to their mobile number only 25 times a day, helping optimise server usage.
Recurring payments like subscriptions, including Netflix and mutual fund SIPs will now be processed only during low-traffic hours before 10 AM between 1 PM and 5 PM or after 9:30 PM. If a transaction is pending users can now check its status only three times with a mandatory 90-second gap between each attempt.
These measures are designed to ease traffic on UPI infrastructure and reduce the risk of slowdowns or service disruptions especially during busy usage periods.
With nearly 16 billion UPI transactions occurring monthly the system has been facing increasing pressure. In April and May a wave of service disruptions impact many users across the country.
According to the NPCI a significant portion of these issues stem from overwhelming traffic caused by repeated API requests such as frequent balance checks or multiple status refreshes on the same transaction.
These repetitive actions put unnecessary load on the UPI infrastructure prompting the need for stricter controls.
Punjab National Bank (PNB) has set August 8, 2025, as the final deadline for customers whose accounts had pending KYC updates as of June 30, 2025. This compliance requirement follows Reserve Bank of India (RBI) guidelines.
Customers who do not complete their KYC update by the deadline may face restricted access to banking services. PNB urges affected customers to complete the process at their nearest branch or through online channels.
The Reserve Bank of India (RBI) has extended trading hours for market repo and Tri-Party Repo (TREP) operations by one hour. These markets will now operate from 9 AM to 4 PM instead of closing at 3 PM.
The extension is aimed at improving short-term liquidity and operational flexibility in the money markets. Other trading windows such as for government securities, foreign exchange and interest rate derivatives remain unchanged.
Notably the call money market had its trading hours extended to 9 AM to 7 PM in July 2025.
Send news announcements/press releases to:
info@b2bmarketmedia.com
