RBI New ATM Charges & UPI Limits (2025 Full Details)

 RBI New Rules 2025: Important Changes in ATM Withdrawal & UPI Payments


The Reserve Bank of India (RBI) has introduced a fresh set of rules for ATM withdrawals and UPI payments for 2025.

These updates are aimed at reducing fraud, improving transaction safety and making digital payments smoother for everyone.


Here’s a clear and simple breakdown of everything you need to know.


rbi new updates poster
image created using ai



➡ 1. New ATM Withdrawal Limit Rules (2025)


RBI has changed the transaction structure for ATMs across India.


• Free ATM withdrawals remain the same


Customers can still withdraw 5 free transactions per month (including financial + non-financial).


• Extra withdrawal charges updated


After the free limit, the new charge is:

₹23 per transaction (earlier it was ₹21).


• Rural ATMs have higher free usage


People living in rural areas will get more free withdrawals depending on the bank.


• Fraud Prevention Alerts


Banks will now send:


instant alerts


risk warnings


suspicious ATM location warnings

to protect customers.





➡ 2. New UPI Rules 2025


• Daily UPI limit increased


For many users, especially those using approved bank apps, the daily limit may go up to:

₹5 lakh per day (bank-wise decision).


• UPI for credit cards expanded


More banks have now enabled UPI payments for:


Visa Credit Cards


RuPay Credit Cards


Select Mastercard Cards



• AutoPay limit increased


For subscription and bill payments, UPI AutoPay limit raised to:

₹25,000 without extra verification.


• Mandatory fraud detection system


UPI apps must block:


suspicious links


unknown payment requests


risky UPI IDs



Banks must verify the receiver before high-value transfers.





➡ 3. New Rule for Cash Deposit Machines


For the first time, RBI has made it compulsory for banks to:


display deposit limits clearly


show real-time cash credit time


send instant SMS when money is deposited





➡4. Why These Rules Are Important


These changes will help:


reduce ATM fraud


control UPI scams


improve customer safety


make digital payments smoother and faster




The RBI’s new rules for 2025 bring stronger security and higher limits for both ATM and UPI users.

People are advised to stay updated and carefully check bank messages so they can avoid unwanted charges or fraud.


More updates will be added here as RBI announces further changes.

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