Unified Payments Interface UPI New rule 2024

The Unified Payments Interface (UPI) has revolutionized the way we pay in India. But with increased adoption comes the need for constant evolution and security enhancements. To address this, the National Payments Corporation of India (NPCI) has implemented a few new rules, effective January 1st, 2024. Let’s break them down step-by-step:

1. Inactive UPI IDs Get Deactivated: Unified Payments Interface UPI New rule 2024

  • What: If your UPI ID hasn’t been used for any transactions for over 12 months, it will be deactivated.
  • Why: To curb dormant accounts and potential misuse.
  • What to do: Check your UPI transaction history. If you haven’t used it in a while, make a small transaction to keep it active.

2. Increased Transaction Limits:

  • What: The maximum daily limit for UPI transactions has been increased to Rs. 1 lakh.
  • Why: To facilitate larger payments and cater to growing needs.
  • What to do: Nothing! Enjoy the increased flexibility.

3. The “4-Hour Rule” Proposal (Not Yet Implemented):

  • What: This proposed rule would require a 4-hour delay for the first high-value transaction (above Rs. 2,000) between two users.
  • Why: To combat fraud and scams, especially involving new accounts.
  • What to do: This is still under discussion and not yet implemented. Keep an eye out for updates.

4. SIM Card KYC Becomes Paperless:

  • What: You can now complete KYC for your new SIM card digitally using Aadhaar eKYC.
  • Why: To simplify the process and make it more convenient.
  • What to do: When activating a new SIM card, choose the Aadhaar eKYC option.

5. Other Improvements: Unified Payments Interface UPI New rule 2024

  • Dispute resolution mechanisms are being strengthened to address transaction issues faster.
  • Security measures are being constantly updated to combat cyber threats.


  • These new rules aim to make UPI transactions even more secure and convenient.
  • Stay informed about any further updates by following NPCI’s official communication channels.
  • If you have any concerns, contact your bank or the UPI app you use.