Digital payment rules changed from today! New orders of NPCI implemented from February 15, will have direct impact on crores of users: – ..
New Delhi. UPI (Unified Payments Interface), which has become the most preferred means of payment in India from tea shops to big showrooms, will now be seen in a new colour. National Payments Corporation of India (NPCI) has implemented new rules from 15 February 2026 to make digital transactions more secure and transparent. If you also use apps like Google Pay, PhonePe or Paytm, then these changes are related to both your pocket and security.
Change in transaction limit: Now more relaxation will be available for these works
General UPI transaction limit still under new rules Rs 1 lakh per transaction Has been laid. But for the convenience of the general public, major relief has been given in some special categories:
Healthcare and Education: The transaction limit has been increased to pay hospital bills and college fees.
Tax and share market: Now users will be able to transfer more amount at one go than before for payment of government tax and mutual fund investment.
New rule: In the coming time, it is being considered to make these limits more flexible so that the dependence on RTGS for large transactions can be reduced.
AI will stop fraud: security cover becomes stronger
In view of the increasing incidents of UPI fraud, the level of security Multi-Factor Authentication Has been upgraded with.
Smart Detection: Now in UPI system Artificial Intelligence (AI) And machine learning will be used. If any transaction seems suspicious or different from your past patterns, the system will immediately stop it or send you an alert.
Encryption: Better encryption technology has been used for data security, which will make it impossible for hackers to break in.
Account may be closed if KYC is not done: Aadhaar linking mandatory
The biggest emphasis in the new rules KYC (Know Your Customer) Is given on.
Incomplete KYC: Users who have not yet done full KYC of their bank account and UPI app may face restrictions on their accounts or their transaction limits may be reduced.
Aadhaar Linking: Linking of Aadhaar with bank account and verification of mobile number has now been made mandatory. Large transactions will not be allowed without complete verification.
Caution: Inactive account will be punished
If you have not done any transaction from your UPI account for a long time, then be careful.
Deactivation: According to the new rules, accounts which are not active for a certain time limit can be deactivated. Users are advised to make small transactions from time to time to keep their account active.
Speed up refund: In case of failed transactions, the refund process has now been made faster. Now users will not have to wait for weeks to get their money back.
Today’s other important government news
| Plan/Update | Main information |
|---|---|
| PM Ujjwala Scheme 2026 | New initiative to provide clean fuel to every kitchen, know the application process. |
| School Holiday Update | Schools will remain closed for 5 consecutive days in February 2026, see the complete list. |
Important guidelines for users
Follow these things for secure digital transactions:
Always keep your UPI app updated to the latest version.
Do not share your UPI PIN with anyone under any circumstances.
Avoid clicking on unknown links or messages containing suspicious cashback.
Keep checking your transaction history regularly.
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