Starting from April 1, 2025, several financial rules are set to change, including important updates for UPI (Unified Payments Interface) users. The National Payments Corporation of India (NPCI) has introduced new security measures to enhance the safety of UPI transactions. These new rules focus on mobile number verification, digital intelligence platforms, and UPI collect requests. Here's everything you need to know about these updates and how they will impact UPI users.

One of the biggest changes coming into effect is related to mobile number recycling. If a UPI-linked mobile number remains inactive for 90 days, telecom companies may reassign it to a new user. This means:

• If you have an old mobile number linked to UPI but haven’t used it for more than 90 days, your UPI ID may stop working.

• If your bank-registered mobile number is deactivated or reassigned, you may face issues accessing UPI services.

What You Should Do:

• Ensure that your mobile number is active and regularly used for transactions.

• If you change your mobile number, update your bank details immediately to avoid disruptions.

To improve transaction security, NPCI has made it mandatory for banks and UPI service providers to use digital intelligence platforms. These platforms will:

• Monitor and safeguard sensitive user data.

• Ensure real-time updates for mobile numbers and prevent unauthorized access.

Additionally, banks must maintain a mobile number revocation list. This list will include numbers that have been deactivated or unlinked from UPI transactions, ensuring that fraudulent activities are minimized.

A major change in UPI transactions is the new limit on UPI collect requests. From April 1, 2025, the maximum amount that can be requested through a collect request will be capped at ₹2,000.

What is a UPI Collect Request?

• It allows a UPI user to send a request for money from another UPI user.

• The receiver gets a notification and can approve or decline the payment.

• With this new ₹2,000 limit, users will have better control over small transactions and reduced risks of fraud.

• Keep your mobile number updated with your bank to avoid disruptions.

• Regularly check your UPI transactions for any unauthorized activity.

• Use official bank and UPI apps for safe transactions.

• Be cautious of scam calls and messages asking for OTPs or payment approvals.

These changes have been introduced to enhance the security and efficiency of UPI transactions. NPCI aims to reduce fraud risks and improve the user experience with these updates. If you are a UPI user, make sure to check and update your mobile number and stay informed about these new rules.

For more details, visit the official NPCI website or contact your bank for specific guidelines on these changes.