The Reserve Bank of India is considering a new rule that could delay UPI payments above ₹10,000 by up to one hour.
The proposal is aimed at reducing digital fraud and giving users extra time to cancel suspicious transactions.
According to RBI’s discussion paper, the delay may apply mainly to person-to-person transfers made to a new beneficiary.
If someone sends more than ₹10,000 through UPI, the amount may be debited instantly but credited to the receiver only after a waiting period of up to one hour.