Inactive all UPI ID and UPI Number will be Deactivated after 1 year

In order to prevent the inadvertent transfer of funds to unintended recipients and safeguard the interests of UPI users, the following guidelines are being issued to the UPI ecosystem:

1. 1. Identification of Inactive Customers:

   • i. All TPAPs and PSP banks must identify UPI IDs, UPI numbers, and phone numbers of customers who haven't engaged in any financial (debit or credit) or non-financial transactions for a period of 1 year from the UPI Apps.

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3. 2. Disabling Inward Credit Transactions:

   • i. UPI IDs and UPI numbers of identified inactive customers shall be disabled for inward credit transactions.
   • ii. PSPs must deregister the phone numbers associated with these customers from the UPI mapper.

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5. 3. Re-registration for Customers with Inward Credit Block:

   • i. Customers with inward credit block UPI IDs and phone numbers must re-register in their respective UPI apps for UPI mapper linkage.
   • ii. Once re-registered, customers can resume making payments and non-financial transactions using their UPI PIN.

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7. 4. Requester Validation for Transactions:

   • i. UPI apps must perform Requester Validation (ReqValAd) before initiating 'pay-to-contact' or 'pay to mobile number' transactions.
   • ii. The customer name fetched before initiating the transaction should be displayed, and the app should not display cached names stored at the app's end.

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9. 5. Implementation Deadline:

   • i. All UPI Apps, including TPAPs and PSP banks, are required to implement these changes by 31st Dec'23.

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11. 6. Communication Requirement:

    • i. The directive emphasizes the need to communicate this directive to all relevant stakeholders for appropriate actions.

A new initiative has been taken to ensure a safe and secure transactional experience. As per the NPCI circular, “In the realm of digital payments, it is essential for customers to regularly review and verify their information within the banking system to ensure a safe and secure transactional experience. However, it has come to our attention that customers may change to a new mobile number without disassociating the previous number from the banking system.”

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