NPCI has set new UPI limits to reduce system load and prevent transaction failures, affecting daily balance checks and account view allowances.
In essence, from 1 August 2025, several regulatory and pricing changes are expected across India’s payments, fuel, and financial services sectors, potentially affecting consumers’ daily expenses and payment behaviours.
The National Payments Corporation of India will implement revised usage limits for UPI services used through third-party applications. These measures are aimed at optimising network efficiency and reducing transaction failures. Going forward, users of apps such as Google Pay, PhonePe, and Paytm will be restricted to a maximum of 50 balance checks per day. Additionally, each application will allow up to 25 daily views of bank accounts linked to the same mobile number.
Recurring payments through the UPI AutoPay feature, used for subscriptions and systematic investment plans, will now be processed only during three specific time windows, namely before 10 AM, between 1 PM and 5 PM and after 9:30 PM.
Fuel and energy prices under review
Price adjustments for various fuels, including LPG, CNG, PNG, and aviation fuel, are anticipated at the beginning of the month. According to MSN, oil companies typically revise rates on the 1st of each month, though there has been no change to CNG or PNG prices since 9 April 2025.
Aviation turbine fuel rates are also expected to be revised. These changes may influence domestic flight fares, with any increase in fuel prices potentially being passed on to passengers. ATF and LPG price adjustments are generally announced concurrently. Observers are watching to see whether the upcoming revision will bring relief for household users.
Credit card insurance cover withdrawn
Changes are also coming to certain co-branded SBI credit cards. Starting 11 August, air accident insurance coverage will be discontinued for several card variants, including ELITE and PRIME cards issued in partnership with banks such as UCO Bank, Central Bank of India, Punjab & Sind Bank, Karur Vysya Bank, and Allahabad Bank.
A representative from SBI indicated that the update was part of a general revision of card features and terms, without commenting on whether any replacement benefits would be offered.
