UPI customers take notice! New cellular quantity verification guidelines from April 1, 2025 for banks and UPI apps

UPI customers ought to be aware of new cellular quantity verification guidelines from April 1, 2025. The NPCI has launched recent pointers for banks, UPI cost purposes, and third-party UPI service suppliers regarding numeric UPI IDs. These new rules search to spice up system compatibility, make it extra user-friendly, and minimise transaction errors linked to cellular quantity modifications. All service suppliers should implement these rules by March 31, 2025.
Banks and UPI purposes should conduct weekly updates of their cellular quantity data to stop errors from recycled or modified numbers. Functions should get hold of express person permission earlier than assigning or updating numeric UPI IDs. Customers should actively decide in to make use of this characteristic, because the default setting is opt-out. Functions are prohibited from requesting consent throughout transactions to keep away from person confusion.
Based on an ET report, the NPCI official assertion dated March 3, 2025, says: “The Banks, PSP App shall use the Cell Quantity Revocation Listing/Digital Intelligence Platform (MNRL/DIP) and replace their database accordingly at common intervals, not less than on weekly foundation. The exercise of recycled or the churned cellular numbers reflecting accurately within the financial institution and PSPTTPAP databases will cut back the possibilities of errors as a consequence of churned cellular numbers.”
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These directions apply to banks, UPI cost purposes, and third-party UPI service suppliers.
Ought to NPCI’s verification system expertise delays, UPI purposes could briefly resolve numeric UPI ID points internally. Nonetheless, these cases should be documented and reported to NPCI month-to-month for oversight functions.
The DoT rules specify that cellular numbers, as soon as disconnected, might be reassigned to new customers after a 90-day interval. Telecom suppliers sometimes deactivate numbers when subscribers present no exercise – calls, messages, or information utilization – for 3 consecutive months.
These deactivated numbers are subsequently allotted to completely different subscribers following the necessary ready interval. Such reallocated numbers are known as recycled or churned numbers.
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Functions supporting UPI transactions should now get hold of express permission earlier than linking or transferring your UPI quantity. Your bank-verified cellular quantity serves as your UPI identifier, enabling you to obtain funds throughout completely different UPI purposes.
This new requirement marks a shift from earlier practices the place express consent wasn’t necessary. Common database upkeep by PSPs and banks will guarantee exact UPI id mapping, stopping misdirected transactions while strengthening safety measures.
The deadline for UPI banks and purposes to implement these rules is March 31, 2025.
Beginning April 1, 2025, monetary establishments and UPI purposes should submit month-to-month stories to NPCI relating to their administration of Numeric UPI IDs.
These modifications goal to reinforce UPI transaction effectivity, safety and person expertise by minimising cellular number-related errors and rising cost transparency.
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