Table of Contents
UPI Rules in August 2025: What’s Changing?
Limited Balance Checks
Starting August 1, 2025, UPI apps will allow only 50 manual balance enquiries per app per user per day. Background balance checks will no longer work. This measure is meant to reduce system load and improve security.
Autopay Timing & Retry Limits
Autopay transactions—like EMIs or subscription bills—will be restricted to non‑peak hours only (avoid 10:00 AM–1:00 PM and 5:00 PM–9:30 PM). Each mandate will get a maximum of four attempts (1 initial + 3 retries).
Linked Accounts API Cap
The “list account” API feature (showing all linked bank accounts) will be capped at 25 calls per app per user per day to ease infrastructure pressure and speed up responses.
UPI ID Deactivation & Clarity in Receiver Info
Inactive UPI IDs may now get deactivated. Moreover, post‑transaction, the receiver’s name will be clearly displayed, reducing identity fraud
New Transaction Fees for Aggregators
From August 1, banks such as ICICI may start charging payment aggregators (e.g. PhonePe, Google Pay), though end users and merchants remain unaffected.
LPG & CNG Price Revisions: What to Expect
Fuel prices, especially LPG cylinder rates, are revised monthly, typically on the 1st. In July 2025, the 19‑kg commercial LPG cylinder saw a ₹60 price cut, while domestic LPG remained unchanged. Keep an eye on early August announcements, as household cylinder prices may decline too.
Home Loan EMIs: Will They Decline?
While there’s no official announcement on EMI reductions for home loans, improved autopay reliability (due to UPI rule changes) may reduce payment failures—potentially lowering penalty charges. Any real dip in interest rates would shape EMI amounts, but no concrete change is confirmed yet in August.
Why TCS Freezed Senior Hiring & Salary Hikes
Tata Consultancy Services (TCS) has implemented a global freeze on senior-level hiring and annual salary increments, following massive layoffs of around 12,000 employees (2% of total workforce). The company attributes these moves to macroeconomic slowdown and increasing operational costs—including AI disruptions—and has initiated bench cleanup.
New Tax Filing & TDS/TCS Rules: Key Benefits for Taxpayers
Simplified Income Tax Bill 2025
A new Income Tax Bill aims to reduce compliance complexity, consolidate various TDS rules under Section 393, and simplify provisions across forms and schedules.
Extended Return-Filing Window
Taxpayers now have up to 48 months (instead of 24) from the end of the assessment year to file an ITR‑U (updated return) under Section 139(8A), though penalties range from 25%–70% for delayed filing.
ITR Form Updates for AY 2025–26
New ITR‑1 through ITR‑4, ITR‑2, ITR‑3, etc., reflect changes like separate capital gains reporting (before/after July 23, 2024), higher thresholds for asset reporting, and clarifications on LTCG exemption and TDS schedules.
Refund & TDS Flexibility
A parliamentary committee has proposed allowing taxpayers to claim TDS refunds beyond the deadline without penalties. The simplified bill may also streamline refund and appeal processing.
✅ Summary Table: What You Should Know
| Topic | Key Takeaway |
|---|---|
| UPI Rules (from Aug 1, 2025) | Caps on balance checks, autopay limits, account-list restrictions, fees |
| LPG / CNG Rates | Monthly updates expected; small price changes already observed in July |
| EMI (Home Loan) | No drop yet; autopay changes may reduce failures and penalties |
| TCS Policies | Freeze on senior hiring & salary hikes amid layoffs and cost pressures |
| ITR / Tax Rules | New Income Tax Bill, extended ITR‑U window, simplified forms and easier refunds |
Conclusion
From August 2025, your everyday digital finance routine—from UPI transactions to LPG budgeting, home‑loan payments, and tax filing—will go through meaningful updates. Whether it’s UPI limits for smoother performance or longer filing windows for more flexibility, these changes aim to bring security, clarity, and taxpayer relief.
Stay informed, review your UPI app settings, monitor LPG rate notifications at your distributor, and check the official Income Tax portal before filing.
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FAQs
Q1 What are the new UPI rules effective from August 1, 2025?
The new UPI rules include a cap of 50 balance checks per app daily, restrictions on autopay during peak hours, and possible deactivation of inactive UPI IDs.
Q2 Will LPG prices increase or decrease from August 2025?
LPG prices are revised monthly. A ₹60 reduction in commercial LPG was seen in July; further changes for August will be announced early in the month.
Q3 Is EMI expected to go down from August 2025?
While there is no official EMI rate cut, the new UPI autopay rules could reduce failed payment penalties, potentially easing the EMI burden slightly.
Q4 Why has TCS stopped senior hiring and salary hikes?
TCS has frozen senior hiring and paused hikes due to macroeconomic challenges and internal restructuring to optimize costs.
Q5 What are the new Income Tax rules for 2025?
The new Income Tax Bill proposes simplified TDS provisions, a 48-month window for updated returns (ITR-U), and revised ITR forms for FY 2024–25.
Q6 Will payment aggregators start charging users from August 2025?
No. NPCI’s new rules may charge aggregators like PhonePe or Google Pay, but end users and merchants will not bear any extra cost.