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As India's digital payment landscape continues to evolve, the National Payments Corporation of India (NPCI) has introduced new mobile verification rules for banks and UPI applications, set to take effect on April 1, 2025. These guidelines aim to enhance transaction security, reduce errors related to recycled mobile numbers, and improve overall user experience for UPI payments. In this article, we will delve into the specifics of these new regulations and how they will impact users of UPI services like PhonePe, Google Pay, and Paytm.
Starting April 1, 2025, banks and UPI service providers are required to update their mobile number records on a weekly basis using the Mobile Number Revocation List/Digital Intelligence Platform (MNRL/DIP). This move is designed to minimize transaction errors that occur due to outdated or reassigned mobile numbers, which are often referred to as "recycled" or "churned" numbers. According to the Department of Telecommunications (DoT), mobile numbers can be reassigned to new users after a 90-day interval following deactivation due to prolonged inactivity[1][2][3].
The primary goal of these regulations is to ensure that users' UPI IDs are linked to active and current mobile numbers. Here are some key points that UPI users should be aware of:
Active Mobile Number Requirement: Users must ensure that their registered mobile numbers are active and in use. If a number remains inactive for an extended period, the associated UPI ID may be deactivated[2][3].
Explicit Consent for UPI ID Updates: Applications will require explicit user consent before linking or updating numeric UPI IDs. This consent cannot be obtained during transactions, ensuring that users are fully aware of changes to their UPI settings[1][4].
Account Suspension for Inactive Numbers: Failure to update mobile numbers may result in temporary restrictions or suspension of UPI services, making it crucial for users to maintain current mobile records with their banks[2][3].
These new guidelines are expected to have several positive impacts on the UPI ecosystem:
Reduced Transaction Errors: By ensuring that mobile numbers are accurate and up-to-date, the chances of transactions being directed to incorrect recipients due to recycled numbers are significantly reduced[1][3].
Improved User Experience: With precise mapping of UPI IDs to active mobile numbers, users can expect smoother transactions and fewer complications related to mobile number changes[1][4].
Fraud Prevention: The NPCI's efforts to restrict person-to-person collect payments to ₹2,000 and limit larger transactions to verified merchants are designed to combat rising fraud cases on the UPI platform[2][3].
Weekly Database Updates: Regular updates ensure that banks and PSPs maintain accurate and current mobile number records, enhancing the overall efficiency of UPI transactions[1][3].
Monthly Reporting: UPI service providers must submit regular reports to the NPCI regarding their management of Numeric UPI IDs. This ensures transparency and accountability within the UPI ecosystem[1][4].
To avoid disruptions to their UPI services, users should take the following steps:
Major UPI service providers such as Google Pay, Paytm, and PhonePe will need to adapt their systems to comply with these new directives. This includes integrating MNRL/DIP updates and obtaining explicit user consent for UPI ID management. These changes will be crucial for maintaining their competitive edge in the Indian digital payments market[4].
The introduction of these new mobile verification rules marks another step towards making UPI payments more secure and user-friendly. By minimizing errors related to mobile number changes and enhancing consent mechanisms, the NPCI aims to drive further adoption of UPI across India's vast consumer base. For UPI users, staying informed and keeping their mobile numbers updated is essential to avoid service disruptions starting April 1, 2025.
As India continues to explore the potential of digital payments, regulations like these play a vital role in ensuring that the ecosystem remains robust, secure, and customer-centric. With the UPI ecosystem expanding rapidly, such updates are crucial for maintaining user trust and operational efficiency in digital transactions.
