UPI users take note! New mobile number verification rules from April 1, 2025 for banks and UPI apps – The Times of India

Banks and UPI functions should conduct weekly updates of their mobile number information. (AI picture)

UPI users ought to take be aware of new mobile number verification rules from April 1, 2025. The NPCI has launched contemporary tips for banks, UPI cost functions, and third-celebration UPI service suppliers regarding numeric UPI IDs. These new laws search to spice up system compatibility, make it extra consumer-pleasant, and minimise transaction errors linked to mobile number modifications. All service suppliers should implement these laws by March 31, 2025.
Banks and UPI functions should conduct weekly updates of their mobile number information to forestall errors from recycled or modified numbers. Purposes should receive specific consumer permission earlier than assigning or updating numeric UPI IDs. Users should actively choose in to make use of this function, because the default setting is choose-out. Purposes are prohibited from requesting consent throughout transactions to keep away from consumer confusion.
In line with an ET report, the NPCI official assertion dated March 3, 2025, says: “The Banks, PSP App shall use the Mobile Number Revocation Listing/Digital Intelligence Platform (MNRL/DIP) and replace their database accordingly at common intervals, a minimum of on weekly foundation. The exercise of recycled or the churned mobile numbers reflecting appropriately within the financial institution and PSPTTPAP databases will scale back the possibilities of errors on account of churned mobile numbers.”
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These directions apply to banks, UPI cost functions, and third-celebration UPI service suppliers.
Ought to NPCI’s verification system expertise delays, UPI functions might briefly resolve numeric UPI ID points internally. Nevertheless, these cases have to be documented and reported to NPCI month-to-month for oversight functions.
The DoT laws specify that mobile numbers, as soon as disconnected, could be reassigned to new users after a 90-day interval. Telecom suppliers usually deactivate numbers when subscribers present no exercise – calls, messages, or information utilization – for three consecutive months.
These deactivated numbers are subsequently allotted to totally different subscribers following the necessary ready interval. Such reallocated numbers are known as recycled or churned numbers.
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Purposes supporting UPI transactions should now receive specific permission earlier than linking or transferring your UPI number. Your financial institution-verified mobile number serves as your UPI identifier, enabling you to obtain funds throughout totally different UPI functions.
This new requirement marks a shift from earlier practices the place specific 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 functions to implement these laws is March 31, 2025.
Beginning April 1, 2025, monetary establishments and UPI functions should submit month-to-month experiences to NPCI concerning their administration of Numeric UPI IDs.
These modifications goal to boost UPI transaction effectivity, safety and consumer expertise by minimising mobile number-related errors and rising cost transparency.
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