Big Changes Coming to UPI from April 1, 2025
One of the most widely used digital payment systems in India has reportedly been
the Unified Payments Interface (UPI), thanks to its convenient, simple, and instant
money transfer process. However, to improve security and prevent transaction errors,
The National Payments Corporation of India has introduced some new guidelines that
will be effective from April 1, 2025.
These guidelines mandate that banks and UPI service providers carry out regular
updates of mobile number records and seek user consent before assigning UPI IDs.
This article explains these changes with examples so you can see how they
affect UPI users.
What Are the New Rules NPCI Is Introducing for UPI?
Some people change their mobile numbers, while others simply stop using them.
After 90 days of inactivity and up until their termination, these numbers are
rebroadcasted by the telecom companies to new users. This mobile recycling
can sometimes disrupt UPI transactions.
To illustrate:
Thus, a person receiving a number that had earlier been assigned to someone
else could unwittingly gain entry into and use the UPI account assigned to the former
owner of the number.
Such transactions leave open the chances for inaccurate transactions, uncertainty,
frauds and scams.
Keeping things counteractive, some criteria were laid down by the NPCI for the
banks and UPI players in promoting the correctness and strength of the UPI
transactions.
Important Modifications in UPI from April 1, 2025:
1. Updating Mobile Number Records Regularly
Every bank and UPI app must update their mobile number records at least on a
weekly basis.
This would lead to the linking of the UPI transactions with the actual users and would
significantly reduce the errors that had crept in due to the recycling of numbers.
2. Obtain User Consent Before Linking UPI IDs
Banks and UPI apps must obtain clear consent from the user before linking any UPI
ID with any number.
This cannot harm any new users by getting old numbers assigned to them.
3. Monthly Compliance Report Submission Banks and UPI service providers will now
have to submit a report monthly to NPCI from April 1, 2025 which will check whether
They maintain UPI IDs accurately and have updated mobile number records.
These changes ensure the safety and accuracy of UPI transactions.
What Is The Impact of Mobile Number Recycling for UPI?
According to India’s mobile number recycling policy, numbers inactive for 90 days
are recycled into the market. Which means:
An old user gets his old UPI-linked mobile number; there is a change in the old
user’s UPI account to the new user.
Otherwise, the new user might get a few calls, messages, or transaction requests on
behalf of some of the transactions that belong to the old owner.
This could lead to ambiguity, failure of a transaction, and even fraud in terms of
money.
The new guidelines set by NPCI thereby make it a mandatory act for banks and UPI
apps to keep updating records in order to eliminate these complications.
What Should UPI Users Do?
As a UPI user, it is crucial to observe some of these behaviors for their safety and
Avoidance of inconvenience:
1. Update Mobile Number with Bank Account
The moment you change numbers, inform the bank and put that on record.
All this will keep your old number permanently linked with your account until the time
it gets issued to another user.
2. Proactive Updating of UPI Account Information on a Regular Basis
Make a point of keeping tabs on your UPI-related transactions and their alerts.
Immediately report to your bank any suspect messages or any transaction
requests.
3. Be Cautious While Generating a New UPI ID
Once you acquire a new mobile number, ensure that the number is not affiliated with
another person’s UPI account before using it to generate your own.
Adequate application of these practices heightens the prospect of eliminating
transactional errors and provides maximum protection to the UPI accounts
What Are the Benefits for UPI Users Following These Changes?
With these new rules, the NPCI aspires to keep UPI transactions safe and reliable
for all users. Here’s how these principles are going to assist:
✔ Getting fewer incorrect transactions – Updating mobile numbers on a timely basis
would minimize the chances of errors and wrong transfers.
✔ Improved security – UPI IDs would not be assigned without the prior consent of
the user, thereby avoiding misuse.
✔ Better trust in UPI payments – Undertaking regular monitoring by NPCI would
ensure that banks keep strict mandates on safety.
These modifications will bring a sense of safety and confidence to UPI.
Conclusion
NPCI’s latest provisions regarding the UPI transaction would come into force on April
1, 2025, which will secure UPI payments, reduce errors, and shield users from fraud.
Updating your mobile number on a regular basis with the bank and checking your
An account from time to time to view instead unusual activities on the account will
be important if you use UPI. Such little steps can ensure safety and a seamless
experience for the user in the digital world.
These measures ought to be adopted by both the banks and the users to convert
UPI into not just a more secure but also a more efficient payment system for
everybody!
Please read other news:
Oneplus soon to launch new phone: All details about the OnePlus 13T
Sell That Rare ₹5 Tractor Note Online And Make A Profit Of Almost ₹2 Lakh
Google removes more than 300 apps from the Play Store , Know More Here
Hidden Treasure: Your ₹2 Coin Could Turn Into a Money-Maker!
Barcelona VS Atletico Madrid: Barca completes a comeback to secure a crucial win against Atleti
For the latest updates, join our WhatsApp channel:
https://whatsapp.com/channel/0029Vb0RZMy3LdQbd5tc8V2c
Big Changes Coming to UPI from April 1, 2025, Big Changes Coming to UPI from April 1, 2025, Big Changes Coming to UPI from April 1, 2025 Big Changes Coming to UPI from April 1, 2025 Big Changes Coming to UPI from April 1, 2025 Big Changes Coming to UPI from April 1, 2025 Big Changes Coming to UPI from April 1, 2025