15/09/2026
New rules and regulations for UPI payment
Merchant Fees
* Free for You: Normal transfers and shopping under ₹2,000 cost nothing.
* Over ₹2,000: Shops pay a 0.4% fee (max ₹300). They cannot charge this to you.
* Discounts: Small sellers (under ₹1 lakh/month) pay ₹0. Bills, fuel, and train tickets have a flat ₹5 fee.
Spending Limits
* Daily Limit: ₹1,00,000 per day for standard transfers and credit line payments.
* Cash Withdrawals: Up to ₹10,000 from ATMs using credit lines.
* Bigger Payments: Up to ₹5,00,000 for hospitals, schools, and insurance; up to ₹10,00,000 for taxes.
Rules & Security
* Balance Checks: Limited to 50 times a day per app.
* Auto-Pay: Bills and EMIs process during quiet hours, with only 3 retry attempts if they fail.
* Inactive Accounts: Numbers unused for over a year lose their UPI ID to prevent fraud.
Thank you Modi Ji