If your mobile number has changed or is switched off, get it updated with the bank before March 31, otherwise UPI access may be blocked. NPCI has instructed banks and UPI apps to remove recycled numbers to prevent fraud and technical problems. Let’s know the full details.
UPI Rule Update: National Payments Corporation of India (NPCI) has directed banks and payment service providers (PSPs) to update their databases and remove closed or recycled mobile numbers before March 31. According to NPCI, doing so can prevent the risk of errors and fraud. Recycled mobile number means assigning a closed number of an old user to a new user.
NPCI has directed banks and UPI apps (such as Google Pay, PhonePe) to use the Mobile Number Revocation List (MNRL) available on the Digital Intelligence Platform (DIP).
Why did NPCI give a new order
If the bank or UPI apps do not delete the data of the old user, then when the new person registers with that number, he will be likely to get access to the account of the previous owner. This can lead to problems like fraud. To prevent this, NPCI has instructed banks and payment apps to remove old and recycled numbers from their systems before March 31.
It is necessary to update numbers every week
NPCI has also said that banks and UPI apps will have to update mobile number records at least once a week. This will ensure that only active and valid numbers are present in the system. This will reduce the chances of fraud related to mobile numbers.
What to do if the mobile number is closed?
If your mobile number has been revoked or surrendered as per the guidelines of the Department of Telecom (DoT), then the bank or UPI apps can remove it from their records.
NPCI said that due to revoked / surrendered mobile numbers, many technical problems and cases of fraud are increasing. When these numbers are assigned to a new person, they can remain linked to the bank account or UPI profile of the previous owner. This increases the possibility of misuse of the account.
Who will be affected?
NPCI’s new decision can affect any person who is using a recycled number. Meaning that UPI is used with a number that was previously someone else’s and is now assigned to you. This can also stop your UPI access. At the same time, if you have surrendered your old number, but have not updated the new number in your bank account, then also you will not be able to access the UPI account.
How to avoid UPI access being blocked?
First of all, you have to ensure that your bank account and UPI profile are linked to your active mobile number. You should also get your new mobile number updated in your bank before April 1, so that there is no interruption in the payment service. This will also solve the problem if you have got a recycled number.
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