Starting April 1, 2025, users of digital payment platforms like Google Pay, PhonePe, and Paytm will face significant changes regarding their Unified Payments Interface (UPI) services. The National Payments Corporation of India (NPCI) has mandated that UPI IDs linked to inactive mobile numbers will be deactivated. This decision aims to enhance security and reduce the risk of fraud associated with inactive accounts.
Why Is This Change Happening?
The NPCI's decision stems from a growing concern about cybercrime and fraud in digital transactions. Inactive mobile numbers can create vulnerabilities within the banking system. When a mobile number is no longer in use, it may be reassigned to another individual by telecom providers. If this happens, the new user could potentially exploit the old number for unauthorized transactions, leading to financial losses for the original account holder.
Inactive numbers also contribute to technical glitches within the UPI system. These glitches can result in payment failures or misdirected transactions, causing frustration for users who rely on these services for their daily financial activities. By unlinking inactive numbers, the NPCI aims to streamline operations and improve the overall security of digital payments.
Who Will Be Affected?
The new regulations will primarily affect:
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Users with Inactive Numbers: If your mobile number linked to your bank account has not been active for calls or messages for a significant period, it will be removed from the UPI system.
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Individuals Who Changed Their Number: Users who have switched to a new mobile number but have not updated their bank records will also face disruptions in their UPI services.
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Customers Who Surrendered Their SIM Cards: Those who have returned their SIM cards without updating their mobile number with their bank will find that their UPI services are no longer accessible.
How to Avoid Disruption
To ensure that you continue to have access to UPI services without interruption, follow these simple steps before April 1:
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Check Your Mobile Number: Confirm that the mobile number linked to your bank account is active. You can do this by making a call or sending a message.
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Update Your Bank Records: If you have changed your mobile number recently, make sure to inform your bank and update your records accordingly.
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Reactivate Dormant Accounts: If you have any dormant or unused accounts linked to inactive numbers, consider reactivating them or updating them with a current mobile number.
What Actions Will Banks Take?
In light of these changes, banks and payment service providers are required to:
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Regularly Verify Mobile Numbers: They must conduct weekly checks to identify and remove inactive or reassigned mobile numbers from their systems.
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Notify Customers: Banks will inform customers whose mobile numbers are inactive before suspending their UPI services.
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Ensure Seamless Transition: Users who update their mobile numbers before the deadline will retain uninterrupted access to UPI services.
Conclusion
As we approach April 1, 2025, it is crucial for users of Google Pay, PhonePe, and Paytm to take proactive steps to ensure their UPI services remain functional. The NPCI's initiative aims not only to enhance security but also to provide a smoother experience for users engaging in digital transactions. By keeping your mobile number active and updated with your bank, you can avoid any disruptions and continue enjoying the convenience of cashless payments.
This change reflects a broader commitment by the Indian government and financial institutions to safeguard citizens against the rising tide of cyber threats while promoting secure digital payment practices.
With inputs from agencies
Image Source: Multiple agencies
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