Official UPI Payment Rules Directory
Complete repository of verified Indian payment rules, fee caps, merchant categories, and source citations updated against the September 2026 Ministry of Finance framework.
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Personal money transfers between individuals via bank accounts or UPI handles attract zero consumer charge and zero merchant fee.
All retail and commercial merchant payments up to and including ₹2,000 remain completely free for both the consumer and the merchant.
Specified essential public services, electricity/water utilities, municipal tax collections, and educational institutions have a fixed flat ₹5 MDR cap above ₹2,000.
Schools, universities, and recognized educational fee collections have a flat ₹5 MDR per transaction above ₹2,000.
Mutual fund investments, stock broking, and depository transactions carry a specialized regulatory interchange capped at ₹50 per transaction.
Standard merchant transactions above ₹2,000 attract a 0.40% Merchant Discount Rate (MDR) payable by the merchant/acquirer. A maximum cap of ₹300 applies for any transaction of ₹75,000 or above. Consumers pay ₹0.