Regulatory Disclaimer
Official Notice on Platform Scope & Financial Independence
UPIfree provides payment information, calculators and educational tools. It is not a bank, payment service provider (PSP), payment aggregator or financial institution. Charges and payment rules can depend on transaction type, merchant category, provider and effective date. Check the cited official source and your payment provider for final applicability.
No Custody of Funds or Processing
UPIfree does not initiate payments, settle merchant balances, hold user funds in escrow, or operate as a payment intermediary. Any UPI QR codes generated by utilities like the Bill Splitter are standard upi://pay URIs intended to be opened directly within the user's personal bank or UPI application.
Official Citations
All figures, thresholds, and caps displayed on this website are calibrated against public releases from:
- Ministry of Finance, Government of India: Press Information Bureau (PIB) Release PRID 2310586 dated 15 September 2026.
- National Payments Corporation of India (NPCI): Unified Payments Interface Operating Regulations and Circulars.
- Reserve Bank of India (RBI): Master Directions on Regulation of Payment Aggregators and Payment Gateways.