The National Payments Corporation of India (NPCI) has introduced new provisions in UPI (Unified Payments Interface) transactions from April 2025, aimed at strengthening security, fraud prevention, and smooth operation of digital payments apps. The changes are important for daily UPI users and need to be known well in advance by them to keep their transactions smooth and uninterrupted.
Important Changes In UPI Rules From April 2025
1. Mandatory Validation of UPI ID
- Periodical verification of UPI ID for every user.
- Inactive UPI IDs, if not being used for a longer period, may get deactivated.
2. Multi-Factor Authentication Strengthened for All Transactions
- The banks may ask for other security layers like biometric or OTP-based authentication for high-value transactions.
- The payment apps may also cause evolving AI-driven fraud detection for suspicious transactions.
3. Transaction Limits & Restrictions
- The daily limit for certain UPI payments would be subject to a change.
- Users will be required to further authenticate transactions above ₹1 lakh.
4. KYC Linking to UPI Access
- KYC verification becomes mandatory for all UPI users.
- Accounts without proper KYC will have a temporary restriction until KYC is fulfilled.
5. Auto-Pay & Accidentally Subscription Rule Changes
- Recurring payments greater than ₹5,000 must be pre-authorized by the user.
- Subscription-based UPI payments must be re-verified from time to time in order to continue unbroken continuity.
How To Protect Your UPI Access Before April 2025
1. Update Your UPI App
- Keep your payment application updated to the latest available version so that you are compliant with the new security protocols.
2. Complete Your KYC
- Some information might need to be updated concerning KYC status by the bank or the payment app, so you will have to complete that. Otherwise, you might face restrictions during financial transactions.
3. Enable Strong Authentication
- For additional security, use strong biometric and UPI PIN security features.
4. Track Transactions Consistently
- Monitor your transaction history and report anything unauthorized immediately.
Conclusion
Thus, with the new UPI rules coming into effect in April 2025, users need to keep themselves updated and secure their accounts to avoid disruption. You can reap the benefits of the growing cashless economy in India and above all ensure uninterrupted and safe digital transactions by observing these measures.
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