The National Payments Corporation of India (NPCI) worked with affected lenders for a quick fix.
UPI Glitch Hits Users with payment delays
Many Unified Payments Interface (UPI) users are reporting recurring problems making online payments, with complaints of frozen screens and delays in receiving payment confirmations. The National Payments Corporation of India (NPCI), which operates the UPI platform, clarified that UPI systems were functioning normally, and the disruptions were due to intermittent technical issues at some banks.
In an official statement, NPCI said it worked closely with affected banks to resolve the UPI connectivity issues swiftly.
UPI Transactions Hit Record High
The incident comes shortly after UPI recorded 19.47 billion transactions in July 2025, valued at ₹25.08 lakh crore — the second-highest monthly value after May’s ₹25.14 lakh crore. UPI now powers 85% of India’s digital transactions and nearly 50% of global real-time digital payments, and is live in seven countries.
To optimize performance, NPCI has imposed a new limit of 50 account balance checks per day per user via UPI apps, compared to no limit earlier. This move aims to reduce system load and prevent failed transactions. Experts say the change will ensure smoother UPI payment processing.
RBI on UPI Sustainability
RBI Governor Sanjay Malhotra recently highlighted that while UPI remains free for users, operational costs must be covered. “Someone must foot the bill for UPI to remain sustainable,” he said.
With record-breaking UPI transactions and growing global adoption, India’s flagship payment system continues to dominate the digital payments ecosystem — even as NPCI fine-tunes processes to keep it efficient and reliable.
