The National Payments Corporation of India (NPCI) has implemented new rules for UPI transactions since 1 April 2025, which aims to further secure digital payments and improve user experience.
The main point of the new rules:
Expiry of UPI services on inactive mobile numbers: If your bank’s mobile number has not been active for more than 90 days, then the UPI ID related to it will automatically become inactive.
Weekly Mobile Number Update: Banks and UPI service providers (eg Google Pay, PhonePe, Paytm) have been instructed to update their users’ mobile numbers on a minimum weekly basis. Its purpose is to reduce the mistakes caused by re -assigned or passive numbers.
Re -assignment of UPI ID for new users: If a new user is assigned after a mobile number is inactive, the old UPI ID attached to it will not work, so that the new user does not have access to previous user’s banking information.
User permission for UPI ID required: Now banks and UPI apps will have to get clear permission from users whether they want to use numeric UPI ID feature. This option will remain inactive by default, that is, the user must manually activate it.
Essential steps for you:
Make sure your registered mobile number is active in the bank and is in regular use.
If your number is inactive or changed, then immediately contact your bank and update the new number.
To use numeric UPI ID feature through UPI apps, provide your permission as required.
By following these changes, you can avail UPI services without any obstruction and ensure safety in digital payments.
