Last Updated: September 2026
UPI par charge kab lagega — yeh sawaal 15 October 2026 se har kirana counter par sunai de raha hai. Seedha jawab: aapke account se extra fee nahi kategi. Dost ko paise bhejna free rahega. ₹2,000 tak ki dukaan payment bhi free rahegi.
15 October 2026 se kai badi dukaan payments par merchant discount rate (MDR) lagega. Yeh 0.4% fee dukaan wala apne bank ko deta hai, customer ko nahi. NPCI ke 15 September 2026 FAQ mein yeh saaf likha hai. Agla hissa batata hai kab free hai, kab dukaan pay karti hai, aur extra maange to phone pe kya karein.
Contents
UPI Par Charge Kab Lagega — 5 Sach Ek Nazar Mein
| Payment | Aap pay karte ho | Dukaan / merchant |
|---|---|---|
| Dost, family, khud ka doosra account | Poori rashi, koi fee nahi | P2P par MDR nahi |
| Dukaan, ₹2,000 tak | Bill jitni, extra nahi | ₹0 MDR |
| Badi dukaan, ₹2,000 se upar | Sirf likhi hui keemat | 0.4%, ₹75,000+ par cap ₹300 |
| Chhota thela (P2PM, mahine ₹1 lakh tak) | Bill jitni | Zero MDR, badi rashi par bhi |
| Rail, telecom, fuel, insurance, ₹2,000 se upar | Bill jitni | Flat ₹5, percentage nahi |
Source: NPCI / Ministry of Finance MDR FAQ, 15 September 2026. Customer se yeh fee nahi kaati jati.
UPI MDR Kya Hota Hai?
MDR ka matlab hai merchant discount rate. Card machine par dukaan pehle se ek chhota hissa apne bank ko deti hai. UPI par 15 October 2026 se yahi idea sirf kuch person-to-merchant (P2M) payments par aaya hai.
Rule seedha hai. ₹2,000 se upar ki kai P2M payments par 0.4%. ₹3,000 ki khareed par dukaan ₹12 deti hai. ₹50,000 par ₹200. ₹75,000 ya usse upar par fee ₹300 par ruk jati hai, isliye ₹1,00,000 par ₹400 nahi, ₹300. Aapke UPI app mein debit hamesha bill jitni honi chahiye.
Yeh tax nahi hai aur cess nahi hai. Paisa sarkar ke khazane mein nahi jata. Yeh UPI ke banks aur payment companies ke beech ka hissa hai, taaki system chalta rahe. Roz ki chai, sabzi aur ₹2,000 tak ki khareed is rule se bahar hai.
Kab Free Hai, Kab Dukaan Pay Karti Hai
Person-to-person transfer free hai, chahe rashi kuch bhi ho (bank ki daily limit alag hoti hai, woh fee nahi hai). Ghar walon ko bhejna, bill split karna, ya apne do accounts ke beech paisa ladana — in par MDR nahi.
QR scan karke ₹2,000 tak dena bhi customer ke liye free hai. Chhote vendors jo P2PM category mein hain, aur mahine ₹1 lakh tak UPI se lete hain, un par zero MDR rehta hai. Unhe ₹2,000 se badi ek payment milne se fee nahi lagti. GST number bhi is zero-MDR ke liye zaroori nahi.
Rail ticket, telecom recharge, fuel aur insurance premium par ₹2,000 se upar flat ₹5 MDR hai, 0.4% nahi. ₹2,000 tak in par bhi ₹0. Bijli aur paani jaise utility bills par bhi ₹2,000 se upar flat ₹5 ka concessional rate hai. AutoPay ya UPI mandate (OTT, mahine ka bill) par yeh naya MDR nahi lagta.
UPI se Fastag recharge ka purana tarika 2021 ka hai. Recharge se pehle app mein dikhi hui rashi hi pay karein. Koi alag “UPI charge” line na ho.
PhonePe, Google Pay, BHIM Par Alag Fee Lagegi Kya?
Nahi. NPCI ne likha hai ki UPI app provider platform fee ya koi aur UPI charge nahi laga sakte. PhonePe, Google Pay, BHIM, Paytm — naam se farak nahi padta. Jo amount aap confirm karte ho, wahi account se jana chahiye.
RuPay credit card ya credit line se UPI karna alag product hai. Us par card wale rules lagte hain, yeh 0.4% wala bank-account MDR nahi. Screen par payment method “bank account” hai ya “credit card”, pay dabane se pehle dekho.
Mobile pe check kaise karein: payment ke baad success screen aur bank SMS dono mein wahi rupaye hone chahiye jo bill par likhe the. Ek rupaya bhi zyada kate to screenshot rakh lo. Hidden add-on ka pattern wahi hai jo no-cost EMI mein chhupe hue charge mein hota hai — likhi keemat aur kaati rashi alag ho to ruk jao.
Dukaan Extra Maange To Kya Karein
Rule yeh hai ki on-boarded merchant MDR customer par shift nahi kar sakta. Aap posted price pay karte ho. Koi “UPI tax” cash mein maange to yeh 4 steps follow karo.
Kaise: bill, MRP ya rate list par jo likha hai wahi amount app mein daalo.
Haath se “+2%” likha ho to use mat jodo. Customer ko woh fee deni hi nahi hai.
Kaise: dukaan wale se kaho ki UPI fee aapke account se nahi kategi.
Woh mana kare to doosra tarika chuno — cash, doosri dukaan — extra UPI “tax” mat bharo.
Kaise: Pay se pehle naam aur rupaye check karo, baad mein SMS se milao.
Bill ₹3,000 hai aur debit ₹3,000 hai to theek hai. ₹3,060 dikhe to payment rok do.
Kaise: UPI reference number, dukaan ka naam, aur bill ki photo gallery mein save karo.
Baad mein bank ya app mein complaint isi proof se hoti hai.
Galat SMS Ya Extra Kat Jaye To Complaint
“Aaj se UPI par 2% tax hai, yeh link pe pay karo” — aisa SMS fee ka announcement nahi, scam hai. Official update PIB, RBI, NPCI ya aapke bank app mein aata hai. Unknown link par UPI PIN kabhi mat daalo.
App ne bill se zyada kaat liya ho to pehle usi UPI app ke Help / Dispute mein transaction kholo. Phir bank ke app ya branch mein UPI reference ke saath likho. Scam se paisa nikal gaya ho to galat UPI debit ke baad paise wapas kaise maangein wala tarika follow karo: cybercrime.gov.in par report, aur helpline 1930.
Dukaan ne cash mein extra liya ho to woh MDR nahi, galat vasooli hai. Bill aur extra ki photo ke saath bank ko batao, aur consumer helpline 1915 par bhi note karwa sakte ho. Payment ko chhote tukdon mein tod kar dukaan ki fee bachana is guide ka maqsad nahi — aapko sirf likhi hui keemat deni hai.
FAQs — UPI par charge kab lagega (Log Aksar Poochte Hain)
Q1: Dost ko ₹5,000 bhejne par charge lagega?
Nahi. Person-to-person UPI free hai, chahe rashi ₹2,000 se upar ho. Aapke account se sirf wahi rupaye judenge jo aapne bheje.
Q2: ₹1,500 ki sabzi par kya fee kategi?
Nahi. ₹2,000 tak ki merchant payment par MDR ₹0 hai. Aap ₹1,500 hi pay karte ho.
Q3: ₹3,000 ke bill par mere account se ₹12 extra katenge?
Nahi. ₹12 dukaan apne acquiring bank ko deti hai. Aapke UPI success screen par ₹3,000 hona chahiye, ₹3,012 nahi.
Q4: Mahine mein kitni free UPI payments milti hain?
Consumer ke liye koi monthly quota nahi hai. Roz jitni valid payments chahiye, utni. Bank ki safety limit (jaise ek din ki max rashi) alag cheez hai, woh charge nahi hai.
Conclusion
15 October 2026 ke baad bhi UPI par charge kab lagega ka consumer jawab yahi hai: aapse nahi. Dost ko bhejna free hai. ₹2,000 tak dukaan bhi free hai. Usse upar dukaan MDR deti hai, aap likhi hui keemat dete ho.
Key Takeaways
P2P aur ₹2,000 tak ki dukaan payment par customer fee nahi.
₹2,000 se upar 0.4% dukaan deti hai, cap ₹300. Aapke account se extra nahi.
PhonePe, Google Pay, BHIM koi alag UPI platform fee nahi laga sakte.
Extra cash ya “tax” SMS aaye to mat pay karo. Screenshot rakho, 1930 / cybercrime.gov.in use karo.
Aaj ka kaam
Agli payment se pehle success screen par rupaye milao. Bill se ek rupaya bhi zyada ho to Pay mat dabana.
Aapki dukaan ne extra maanga, ya SMS bilkul bill jitna tha? Comment mein batao, taaki doosre readers ko sach pata chale.
