Kya hua
14 Sep 2026 ko Department of Financial Services ne S.O. 5067(E) notify kiya Section 10A, PSSA 2007 ke under — RuPay debit cards (bina cap) aur Rs 2,000 tak ke UPI ko hi charge-free rakha gaya.
Finance Ministry ke Department of Financial Services ne 14 September 2026 ko gazette S.O. 5067(E) notify kiya Section 10A, PSSA 2007 ke under — ab sirf do payment modes par bank charge nahi lagega.
Protected modes hain RuPay-powered debit cards, jiska koi amount cap nahi, aur UPI transactions Rs 2,000 tak.
Gazette me clear likha hai koi bhi bank ya system provider directly ya indirectly in modes par charge nahi laga sakta.
Ye pehle wale blanket zero-MDR rule ko replace karta hai jo Jan 2020 se UPI aur RuPay debit ko free rakhe hue tha. Ye badlav Taxation and Other Laws (Amendment) Act, 2026 ke baad aaya jo Centre ko specific modes notify karne ka power deta hai.
Notification khud MDR rate fix nahi karta. UPI Rs 2,000 se upar ke liye MDR ka framework ab NPCI ka UPI and Services Steering Committee decide karega, reports ke hisaab se lagbhag 40 bps (0.4%). Govt data kehta hai Rs 2,000 se upar ke UPI me hi 67% value aati hai.
Gazette me kya confirm hai
Gazette hi legal source hai: RuPay debit poora protected hai, UPI sirf Rs 2,000 tak protected hai, aur fee abhi NPCI decide karega.
- RuPay debit card — bina cap ke, charges se poori protection
- UPI — sirf Rs 2,000 tak ke transaction par protection
- Rs 2,000 se upar UPI — MDR framework NPCI committee set karegi, reports ~40 bps
Aage kya hoga
Agli 1-2 hafto me NPCI ki committee ka guideline aayega. Wahi decide karega high-value UPI par MDR kaun dega — lagbhag 40% issuing banks ko, baaki TPAPs aur acquiring banks ko.
Kyun matter karta hai
Aapke Rs 2,000 tak ke roz ke UPI payments free rahenge, par usse upar ke bade UPI bills par jaldi hi lagbhag 0.4% MDR lag sakta hai jo NPCI committee decide karegi.
Daily Life
General Public · Small Merchants
Roz ke Rs 2,000 tak ke UPI payments aur saare RuPay debit swipe ab bhi free rahenge — customer ya dukandaar par extra charge nahi.
Money
Small Merchants · General Public
Rs 2,000 se upar ke UPI payments par jaldi hi lagbhag 0.4% MDR lag sakta hai, bade bills par merchant cost badhega.
Work
Banks Fintech
Banks, PhonePe/Paytm jaise TPAPs aur acquiring banks ko 5 saal ke zero MDR ke baad high-value UPI par revenue ka rasta milega.
Seedhi baat
Rs 2,000 tak free hai, uske upar charge aane wala hai — rate abhi decide hona baaki.
Sarkar: Rs 2,000 tak UPI aur saara RuPay debit S.O. 5067(E) se free; usse upar UPI par MDR jaldi aayega.
Verified sources (3)
Govt. bars bank charges on payments up to Rs 2,000 via UPI, RuPay-powered debit cards
↗Govt Notifies New Rules, No MDR For UPI Transactions Under Rs 2,000
↗India Sets Rs 2,000 Threshold for MDR-Free UPI Payments
↗Claims and linked sources
6 claimsDepartment of Financial Services issued gazette S.O. 5067(E) on 14 September 2026 under Section 10A, PSSA 2007 specifying charge-free electronic modes.
Only two modes are protected: RuPay-powered debit cards and UPI transactions up to Rs 2,000.
No bank or system provider shall impose, whether directly or indirectly, any charge upon a person making or receiving payment via the specified modes.
The Rs 2,000 cap applies only to UPI; RuPay debit card payments are protected with no amount limit.
The notification does not set an MDR rate; the NPCI-led UPI and Services Steering Committee will decide the MDR framework for UPI above Rs 2,000.
UPI and RuPay debit card payments have been MDR-free since January 2020 to accelerate digital adoption.