UPIS New Rules 2026 Charge
Illustrative photo. Photo: Reserve Bank of India, GODL-India / Wikimedia Commons
The rumor
Social media claims are circulating that a new 0.4% charge will be applied on UPI transactions above ₹2,000 in the year 2026. This claim has sparked discussions about whether everyday customers will soon have to pay extra fees for their digital payments.
The rumor caught on as various media outlets published headlines questioning whether new MDR charges are coming for transactions above ₹2,000, leading to speculation among users about potential extra costs after the festive season.
The truth
According to the reports, various media outlets have discussed questions regarding UPI charges, NPCI's MDR rollout, and whether customers will pay extra on payments above ₹2,000. Additionally, reports note that NPCI informed the Supreme Court that merchants cannot pass UPI transaction costs to customers.
However, the provided reports only consist of headlines and do not establish whether a definitive 0.4% charge will officially be implemented for general users in 2026. Therefore, the exact details and final rules remain unconfirmed by the text.
Where it is being claimed
on social media
In short Unconfirmed
What is true
- NPCI informed the Supreme Court that merchants cannot pass UPI transaction costs to customers.
- Media outlets have discussed questions regarding UPI MDR charges for transactions above ₹2,000.
What is not confirmed
- Whether a 0.4% charge will officially be applied on UPI transactions above ₹2,000 in 2026.
- Whether customers will ultimately be required to pay extra on payments above ₹2,000.
Sources
- jeevanutsahnews.in – UPI New Rules 2026: Truth About 0.4% Charge Above ₹2,000
- Livemint – UPI charges after Diwali: Will customers pay extra on payments above ₹2,000? NPCI's MDR rollout likely in Nov
- Bhaskar English – Charges may be imposed on UPI payments from tomorrow: New rules had been put on hold due to festive season
- The Financial Express – UPI MDR after Diwali: When will charges start, who pays and what changes?
- News18 – UPI Payment Rules: Are New MDR Charges Coming For Transactions Above Rs 2,000?
- The Live Nagpur – Merchants Cannot Pass UPI Transaction Costs To Customers, NPCI Informs SC