Starting from October 15, 2026, NPCI is introducing MDR on certain UPI payments:
🟠0.4% — for P2M payments above ₹2,000
🟠Maximum — ₹300 per transaction
🟠In certain categories (fuel, railways, telecommunications, insurance) — ₹5 per payment above ₹2,000
🟠Payments up to ₹2,000 remain free of MDR
🟠Transfers between individuals (P2P) — free
🟠For small merchants (P2PM), MDR also remains zero
🔔 For ordinary users, practically nothing changes: the fee is charged to the business, not the customer.
The main goal is to compensate the UPI ecosystem for the costs of infrastructure, cybersecurity, and development of the payment network.âš¡
Hinglish
🇮🇳 UPI ab business ke liye poori tarah se free nahi rahega🇮🇳
15 October 2026 se NPCI kuch UPI payments par MDR lagu karega:
🟠0,4% — ₹2 000 se zyada ke P2M payments par
🟠Maximum — ₹300 per transaction
🟠Kuch specific categories (fuel, railway, telecom, insurance) mein — ₹2 000 se zyada ke payment par ₹5 per payment
🟠₹2 000 tak ke payments par MDR nahi lagega
🟠Individual ke beech transfers (P2P) — free rahenge
🟠Chhote merchants (P2PM) ke liye bhi MDR zero rahega
🔔
Aam users ke liye practically kuch nahi badlega: commission business se liya jayega, customer se nahi.
Main goal — UPI ecosystem ke infrastructure, cybersecurity aur payment network ke development ke kharchon ki bharpai karna hai.⚡
P2P