UPI-யில் இனி பணம் அனுப்பினால் கட்டணமா? - புதிய சட்டம் என்ன சொல்கிறது?

According to a report by Vikatan, there has been significant public discussion regarding whether the Unified Payments Interface (UPI) will begin charging users for transactions. The report clarifies the current regulatory landscape, noting that there is no new law or mandate that imposes fees on standard person-to-person (P2P) UPI transactions for the average user.

The confusion often stems from the distinction between P2P transactions and merchant transactions. While the National Payments Corporation of India (NPCI) has previously discussed merchant discount rates (MDR) for specific high-value commercial transactions, these do not apply to the everyday digital payments made by individuals at local shops or between friends and family. The government has consistently maintained that UPI remains a free service for the public to encourage digital adoption.

Experts suggest that the rumors regarding potential charges are often based on misinterpretations of banking circulars or discussions regarding the sustainability of digital infrastructure. As of now, the core UPI service remains free of charge for consumers. Users are advised to rely on official updates from the NPCI or the Reserve Bank of India regarding any future changes to digital payment policies.