As of April 1, 2025, the National Payment Corporation of India (NPCI) has announced new guidelines for Unified Payment Interface (UPI) users to ensure safe transactions. The changes mainly address the inactive use of registered phone number.
Key Changes Effective April 1, 2025 for UPI:
- Deactivation of UPI IDs Linked to Inactive Mobile Numbers: UPI accounts associated with mobile numbers that have been inactive for an extended time will be unlinked. This measure prevents unauthorized access and potential fraud.
- Regular Updating of Mobile Number Records: Banks and Payment Service Providers (PSPs) are now required to update their databases at least once a week using the Mobile Number Revocation List (MNRL) or Digital Intelligence Platform (DIP). This practice ensures that reassigned or inactive numbers are accurately reflected, reducing payment errors.
- Explicit User Consent for Numeric UPI IDs: Before assigning or updating numeric UPI IDs, PSPs must obtain clear and explicit consent from users. This will enhance transparency and ensure users are fully informed about their UPI accounts.
These measures also reflect the NPCI’s commitment to enhancing the security and reliability of digital payments in India, ensuring a safer and more efficient experience for all users.