UPI Rule Update: The National Payments Corporation of India (NPCI) has directed banks and payment service providers (PSPs) to update their databases before March 31 and remove closed or recycled mobile numbers.
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 (like 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 app does not delete the data of the old user, then when a new person registers with that number, he will be at risk of getting 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 delete old and recycled numbers from their system before March 31.
It is necessary to update the number 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 your mobile number is switched off?
If your mobile number has been revoked or surrendered as per Department of Telecom (DoT) guidelines, banks or UPI apps may remove it from their records.
NPCI said that many technical problems and fraud cases are increasing due to revoked/surrendered mobile numbers. When these numbers are assigned to a new person, they may remain linked to the bank account or UPI profile of the previous owner. This increases the possibility of misuse of the account.
Which people will be affected?
NPCI’s new decision can affect anyone who is using a recycled number. This means using UPI with a number that previously belonged to someone else and is now assigned to you. This can also result in your UPI access being blocked. On the other hand, if you have surrendered your old number but have not updated the new number in your bank account, you will still not be able to access your 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. If you have got a recycled number, then this will also solve that problem.
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