Overview

• From June 16 all member banks and UPI apps must complete transactions within 15 seconds, down from the previous 30-second limit.
• Reversals and transaction status queries are capped at 10 seconds to reduce user uncertainty over failed or pending payments.
• Apps can initiate status checks 45 to 60 seconds after a transaction and are limited to three checks per attempt within two hours to prevent system overload.
• NPCI has defined peak UPI hours as 10:00 am to 1:00 pm and 5:00 pm to 9:30 pm when transaction volumes are highest.
• A suite of security and reliability enhancements is slated for August to strengthen UPI performance during peak traffic periods.