UPI users alert! Banks & UPI apps to implement new mobile number verification rules from April 1, 2025
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According to the NPCI press release on March 3, 2025, “The Banks, PSP App shall use the Mobile Number Revocation List/Digital Intelligence Platform (MNRL/DIP) and update their database accordingly at regular intervals, at least on weekly basis. The activity of recycled or the churned mobile numbers reflecting correctly in the bank and PSPTTPAP databases will reduce the chances of errors due to churned mobile numbers.”
Who is this for?
This notice is for banks, UPI payment apps (PSPs), and third-party UPI service providers.
What will change from April 1, 2025?
Banks and UPI apps will check and update their mobile number records at least once a week to avoid errors caused by recycled or changed mobile numbers. UPI apps will ask users for clear and explicit consent before assigning or updating their numeric UPI ID. By default, users should be opted out and must actively choose to opt-in if they wish to use this feature. Apps cannot ask for this consent during a transaction to avoid confusion.
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If NPCI’s system takes too long to verify a Numeric UPI ID, UPI apps can temporarily resolve the issue internally. However, these cases must be reported to NPCI every month for transparency.
What are recycled or churned-out numbers?
Guidelines issued by the Department of Telecommunications (DoT) stipulate that a mobile number that has been disconnected, can be reallocated to a new subscriber after a gap of 90 days, or 3