India, July 28 -- Starting August 1, your daily UPI habits on apps like Google Pay and PhonePe may feel a little different. NPCI (National Payments Corporation of India) is rolling out a set of backend rule changes to streamline how UPI handles balance checks, autopay requests, payment failures, and linked account verifications. These aren't earth-shattering updates, but if you're someone who uses UPI multiple times a day (which, let's face it, is most of us), you'll want to know what's new.

If you've set up automatic payments like OTT subscriptions, rent agreements, or SIPs, those UPI Autopay requests will now be timed more precisely. From August 1, UPI apps will be required to send these requests between 12 AM and 7 AM. The idea is to ...