Key UPI transactions may face restrictions from August 1 under NPCI’s new API guidelines to prevent outages

Starting July 31, 2025, UPI users will encounter restrictions on non-financial actions like balance checks, as NPCI regulates API usage to prevent system overloads. Banks and PSPs must comply by moderating high-frequency APIs, with penalties for non-compliance. These changes aim to improve UPI service reliability during peak hours, ensuring smoother user experiences despite some limitations on real-time updates.