UPI New Rules 2025: UPI (Unified Payments Interface) has made digital payments very easy in India, but now the National Payments Corporation of India (NPCI) has decided to implement some new rules. Under these rules, banks and UPI service providers are going to remove inactive mobile numbers from their system from April 1, 2025. This step has been taken to increase security and transparency.
These rules are aimed at preventing fraud and reducing technical issues. When a mobile number becomes inactive and is assigned to a new user, it can pose a security risk. Therefore, NPCI has directed banks and UPI apps to update their databases regularly. If your mobile number is inactive, you must update an active number in your bank account so that your UPI services are not interrupted.
As part of the change in UPI rules, NPCI has asked banks and UPI service providers to delete inactive mobile numbers. This decision has been taken to reduce fraud and technical problems. The table below details the main points of this plan
Description
Expansion of details
Date of effect of the rule
From 1 April 2025
Affected Users
Users whose mobile numbers are inactive or changed
Security Reasons
Fraud and technical issues caused by inactive numbers
Responsibility of banks
Removing inactive numbers and updating the database weekly
Required steps for users
Updating the active mobile number in your bank account
Purpose of the Rules
Enhancing security and transparency in the UPI system
Regular Updates
Banks and UPI apps will have to update data weekly
UPI New Rules 2025: Impact of Inactive Mobile Numbers
Using inactive mobile numbers can cause many problems. If your mobile number is inactive and is handed over to a new user, it can pose a security risk. The new user can get OTP and transaction information related to your bank account, increasing the chances of fraud. Therefore, NPCI has decided to remove inactive numbers.
If your mobile number is inactive or you have recently changed your number, you need to take the following steps:
Update Number: Update your new mobile number in your bank account and UPI app.
Check notifications: Check notifications from UPI apps and update as needed.
Contact the bank: If your old number is inactive, inform the bank so that your account remains safe.
Problems in transactions: If your number is not updated, you may have problems in receiving money through UPI.
Impact and benefits of regulations
The implementation of these rules will increase security and transparency in the UPI system. Removing inactive numbers will reduce the possibility of fraud and also reduce technical problems. Apart from this, banks and UPI apps will have to update data weekly, which will also increase the accuracy of the data.
Procedure for deleting inactive numbers
Banks and UPI service providers will identify and delete inactive numbers using the Mobile Number Revocation List (MNRL) or Digital Intelligence Platform (DIP). If your number is inactive, you will be notified about it and asked to update your number. If you do not do so, your UPI services may be disrupted.
UPI New Rules 2025: Effect of the Rules and Responsibility of Users
The implementation of these rules will increase the responsibility of users to keep their mobile numbers updated. If you do not update your number, you may have problems using UPI services. Therefore, you must keep your active mobile number updated in your bank account and the UPI app.
These new rules will increase security and transparency in the UPI system. Users will have to keep their mobile numbers updated so that their UPI services are not interrupted. If your number is inactive, you will have to update it so that you can avoid fraud and technical problems.
There are several reasons why inactive mobile numbers are deleted:
Security risk: Inactive numbers increase the likelihood of fraud, especially when they are assigned to new users.
Technical issues: Inactive numbers may cause problems in transactions and also issues in sending OTP.
Data Accuracy: Regular updates increase the accuracy of data, thereby bringing transparency to the UPI system.
Tips for users
If your mobile number is inactive or you have recently changed your number, follow the following tips:
Use Net Banking: Update your mobile number using the net banking service of your bank.
Visit bank branch: If online update is not possible, visit your nearest bank branch and update your number.
Use UPI apps: Update your mobile number using UPI apps like Google Pay, and PhonePe.
Use ATM: You can also update your mobile number using your bank’s ATM.
Conclusion and Forward Direction
These new rules will increase security and transparency in the UPI system. Users will have to keep their mobile numbers updated so that their UPI services are not disrupted. This move will help prevent fraud and reduce technical problems.
