UPI turned into far more than a payment rail this year. Here is what actually changed for everyday users.
Credit line on UPI
You can now attach a pre-approved credit line from banks like SBI, HDFC and Axis directly to your UPI app. Payments over your saved limit are billed to the credit line.
Higher daily limits
The daily limit for tax and hospital payments is now up to ₹5 lakh at eligible categories. Merchant payments continue at ₹1 lakh.
Wallet interoperability
Prepaid wallets like Paytm and PhonePe are now fully interoperable over UPI — you can pay to any UPI ID from any wallet balance.
Frequently asked questions
Do I need a new app to use the credit line on UPI?
No — most major UPI apps show a new "Credit line" option once your bank enables it.
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