RBI 1 Hour Delay Rule for UPI Payment: Reserve Bank of India is planning to revise the upi payment guidelines under the new RBI rule. Upi payments are very quick and faster where any individual can transfer thousands of Rs within a few seconds by scanning the QR code. But to prevent the potential fraud and online schemes, RBI is revising new payment rules for upi transactions and categorising the payment into 3 categories accordingly. Now you may have to face a 1 hour delay in upi transaction if you exceed the transaction limit.
So if you are also using upi payment then can read this article which will help you to understand the new RBI rule for upi payment including how much payment can be transferred, how much delay will be faced in online transaction, new payment transaction rules for seniors and disabled individuals etc.
RBI 1 Hour Delay Rule for UPI Payment
Reserve Bank of India is proposing to implement a new rule of delaying 1 hour of upi transaction for the amount more than 10000 rupees. The bank has recently released a Discussion paper on Exploring safeguards in digital payments to curb frauds, Where authority discussed the increment in Authorised Push Payment (APP) scams cases. There are many scammers who are forcing seniors and other targeted users to send money on upi and did not provide the promised service. So this initiative will help the bank and cyber security cell to identify the transaction chain within 1 hour and during this period Bank can send notification to the user regarding the suspected or any other issue of the upi id.
Special Provision for Seniors
It is being observed that due to digitalisation and awareness campaigns, youths and adults are familiar with the online scam as compared to senior citizens. These scammers are targeting seniors and ask them to transfer a huge amount such as more than 50000 for fake services. So under the new provision of RBI upi rule, the authority have discussed to implement a new approval feature for seniors where they can registered than nominee with upi and online transaction portal, so every time a senior pay more than 50000, nominee will get notification on their mobile phone And after approving the payment by the nominee, the payment will be transferred accordingly. Seniors will have a total 24 hour duration to verify the payment from their nominee including their children in the family or any other trusted individual. So it will help them to get suggestion from the family member Before initiating a large transaction amount to an unauthentic person.
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Transaction Rule For Amount More Than 25 Lakh
25 lakh rule is proposed for saving account holders in India where they will have a limit to receive up to 2500000 in a financial year in their savings account. The amount more than the limit which is 2500000, will be considered as Shadow transaction. The account holder will require to provide the proof of collecting the payment to the bank and have to answer by whom the payment has been received after reaching the limit. Bank will provide a duration of 30 days to saving account holder to answer the question, however if they did not provide any proof of the payment more than 2500000 then the additional amount will automatically be transferred to the individual’s bank account by whom the payment was released.
This initiative will prevent online scam agencies as they use their saving account to receive the online payment and if they are getting more than the limit then they will need to answer to the bank. So if the payment have been received without any reason or without any purpose then the additional payment will be transferred back to the user.
When Will The RBI UPI New Rule Implement?
Reserve Bank of India has only released a discussion on their portal and asking feedback from stakeholders. There is no such rule implemented in India regarding upi payment yet, since the bank is continuously working to stop online fraud and scams, so this initiative will further post cyber security and help seniors and other individuals to save their amount. Once the Central Bank receive feedbacks they will again refine the discussion and will make further rules in future accordingly. However, these rules will not only reflect on upi payments but will also affect other online payment methods including IMPS, RTGS, NEFT, Net banking, Bank wallet banking etc.
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