New Delhi: Starting November 3, 2025, the National Payments Corporation of India (NPCI) will bring new rules for UPI settlements. The aim is to handle rising transactions more smoothly and on time.

How settlement happens now

At present, UPI clears payments through 10 daily RTGS settlement cycles. These cycles include both authorised transactions (successful payments) and disputed transactions (failed or challenged payments). Read Also Can Your Everyday UPI Payments Really Earn Cashback? Here's The Truth

What will change from November 3

Authorised transactions only: From cycle 1 to 10, only authorised transactions will be processed. No disputes will be included.

Disputes handled separately: Disputed transactions will now be settled twice a day, in cycle 11 and cycle 12. These two

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