Official BaselineUPI is 100% surcharge-free for buyers. Kirana stores pay 0% fee under ₹2,000 (PIB PRID 2310586)
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p2mStatus: published

Essential Utilities, Municipal & Education Above ₹2,000: Flat ₹5 MDR

Specified essential public services, electricity/water utilities, municipal tax collections, and educational institutions have a fixed flat ₹5 MDR cap above ₹2,000.

Machine Readable Rule Specification Block
Rule ID: rule-p2m-essential-above-2000
Status: published
Payment Type: p2m
Effective From: 2026-09-15
Consumer Fee:0
Fee Type: flat (flat)
Fee Cap: ₹5
Source: PIB PRID: 2310586

Calculation Formula & Mechanics

Amount > ₹2,000: Consumer Fee = ₹0, MDR = ₹5.00 flat

Applies To

Electricity boards, water supply, gas utilities, municipal tax payments, school/college fee payments above ₹2,000.

Does Not Apply To

Commercial retail, e-commerce, dining, entertainment, or luxury purchases.

Official Regulatory Attribution
Organization: Ministry of Finance, Government of India
Document Identifier: PIB PRID: 2310586
Publication Date: 2026-09-15
Last Verified: 2026-09-17