UPI Charges Policy as of 2026
1.
1. Govt’s Official Stand
Union Finance Minister Nirmala Sitharaman:
"There will be no additional charges for regular UPI users. Charges apply only to large business establishments."
Finance Ministry: Called rumors about UPI MDR "completely false, baseless, and misleading". Govt is "fully committed to promoting digital payments via UPI".
Type: P2P - Friends, Family
Charge: ₹0
Type: P2M - Shops, Kirana, Online
Charge: ₹0
Type: Small merchants <₹40 lakh turnover
Charge: ₹0
Type: GST on UPI
Charge: ₹0
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