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One free scan finds every outdated or missing driver and matches the right update for your exact hardware.Free scan · exact hardware matchNo official material available as of 13 October 2026 said UPI MDR charges would start after Diwali. The announced framework was scheduled to take effect on 15 October 2026. It sets charges for specified merchant payments, not for sending money to another person. Because the scheduled date is two days after the latest source information cited here, check for a newer official notice before relying on it.
Will UPI charges start after Diwali 2026?
The Ministry of Finance and reports describing the announced framework gave 15 October 2026 as its scheduled effective date. The material available as of 13 October did not establish an after-Diwali start or a decision to postpone the framework until then. The date was still in the future at that cutoff, so a subsequent change would need confirmation from a current official notice.
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The framework concerns merchant discount rate (MDR) on certain person-to-merchant (P2M) payments. It does not mean that every UPI user will pay a new fee for every transaction.
Who pays the UPI MDR fee?
MDR is a payment-processing charge distributed among participants in the payment ecosystem; it is not a tax collected by the government or NPCI. The Finance Ministry said banks had been advised to ensure merchants do not pass MDR on to customers as a UPI charge. That is the announced safeguard, not a guarantee that merchant prices can never reflect business costs indirectly.
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Under the reported framework, the general rate is 0.4% on eligible P2M transactions above ₹2,000. For transactions of ₹75,000 or more, the reported cap is ₹300. The MDR applies on the merchant side; the announced policy does not establish a separate customer fee imposed by a payment app.
Which UPI payments remain free?
| Payment situation | Announced treatment |
|---|---|
| Sending money to another person (P2P) | Remains free regardless of amount. |
| Merchant payment of ₹2,000 or less | Remains free under the announced framework. |
| Payment to a merchant covered by the zero-MDR small-merchant framework | Remains free, subject to the merchant’s eligibility and classification. |
| Eligible merchant payment above ₹2,000 | Reported general MDR is 0.4%, with a ₹300 cap for transactions of ₹75,000 or more; specified sectors may have a different flat rate. |
The Ministry of Finance estimated that approximately 96% of P2M transactions would remain unaffected. This is the ministry’s estimate, not a separately audited result. Whether a merchant qualifies for the small-merchant framework depends on classification; the available announcement does not establish every eligibility rule.
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Are there special rates for some merchant sectors?
News On AIR reported a flat ₹5 MDR for transactions above ₹2,000 in specified sectors, including railways, telecom, insurance, fuel and agricultural inputs. This is reported operational detail; confirm the applicable official circular before assuming that a particular bill or merchant category qualifies. The general 0.4% rate should not be applied automatically to a transaction covered by a specified-sector rate.
Why did the government introduce the MDR framework?
The government’s stated rationale is to support UPI’s long-term sustainability and the investment needed to maintain and expand payment infrastructure as usage grows. In an August 2026 statement, it described an amendment to the Payment and Settlement Systems Act as an enabling provision, rather than a blanket order imposing a fee on every UPI transfer. The statement cited continuing needs such as cybersecurity, fraud prevention and infrastructure upgrades, and said a system that relies only on subsidies may not provide a sustainable revenue model to encourage further investment.
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In its 15 September 2026 statement, the Ministry of Finance said: “The framework seeks to ensure the long-term sustainability of UPI while protecting individuals and small merchants from additional charges.” That is the government’s explanation of the policy, not independent proof that the framework will achieve those outcomes.
The scale cited by the government helps explain the infrastructure concern: its August statement reported 2,366 crore UPI transactions worth ₹29.9 lakh crore in July 2026. Those figures describe all UPI transactions and their value for that month; they are not counts of transactions subject to MDR.
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What should UPI users and merchants check?
- If you are paying a person: the announced framework keeps P2P transfers free, regardless of amount.
- If you are paying a merchant: check whether the transaction is above ₹2,000, whether the merchant is covered by zero MDR, and whether a specified-sector rate applies.
- If a merchant asks you to pay an extra UPI fee: the Ministry said banks were advised to prevent MDR being passed on as a customer charge. Ask for an explanation of the charge and check current official guidance rather than assuming every added amount is authorized MDR.
- If you are a merchant: confirm your classification and applicable rate with your acquiring bank or payment provider and consult the current official circular for detailed category rules.
For the scheduled start date and any later change, use current Ministry of Finance or NPCI notices. The sources available as of 13 October 2026 support the 15 October schedule, but do not establish whether it was changed after that date.
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Sources
- Ministry of Finance, Government of India: August 2026 statement on the enabling amendment and UPI infrastructure.
- Ministry of Finance, Government of India: 15 September 2026 statement on the MDR framework.
- Department of Financial Services: UPI MDR FAQ landing page.
- News On AIR: reported effective date, rates and specified-sector detail.
- The Indian Express: reported framework details and merchant/customer distinction.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
