The National Payments Corporation of India (NPCI) has announced a new settlement mechanism for UPI (Unified Payments Interface) transactions, introducing separate cycles for authorised and disputed transactions. The updated rules will come into effect on 3 November 2025.

Currently, UPI uses RTGS (Real-Time Gross Settlement) to complete ten settlement cycles each day, handling both authorised and dispute-related transactions together. With the rapid growth in UPI usage, NPCI has decided to separate these settlements to ensure faster and more efficient processing.

Changes In UPI Settlement Cycles

Currently, UPI uses RTGS to perform 10 settlement cycles every day, each of which consists of both authorised and contentious settlements. To expedite the daily settlement process, it has been de

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