🏦 UPI Limit, Credit Card EMI, and RBI September Announcements – What You Must Know
📅 Updated: May 2025
🖋️ Published by: Vizzve Financial
📢 Introduction: Major Financial Policy Updates Announced
September 2025 brought big news from the Reserve Bank of India (RBI) — with changes that directly impact your daily transactions, EMIs, and how you use UPI. Whether you're a salaried individual, small business owner, or digital-first consumer, these updates change how you bank, borrow, and spend.
Here’s everything you need to know – simplified.
🔑 1. UPI Transaction Limit Increased
📲 New Limit for UPI (September 2025)
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Previous Limit: ₹1 lakh per transaction
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✅ New Limit: ₹2 lakh per transaction (for select categories)
Where It Applies:
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Hospital payments
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Educational institutions
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High-value merchant payments
🟢 Impact: This move boosts UPI for big-ticket transactions, reducing the need for net banking or cards.
💳 2. Credit Card EMIs – Rule Change
Starting October 1, 2025, banks and NBFCs must:
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🔄 Disclose total interest payable at the time of EMI conversion
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📄 Provide monthly statements with interest breakdown
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⚠️ Allow foreclosure without hidden penalties after 3 months
💡 What It Means for You:
Transparency improves. You’ll know exactly what you're paying when opting for EMI on credit cards.
🏦 3. RBI Policy Rate Remains Unchanged
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Repo Rate: Maintained at 6.50%
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📈 RBI focuses on controlling inflation, while allowing consumer borrowing to grow
💼 Impact on You:
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Personal loan interest rates remain steady
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Affordable EMIs for both salaried and self-employed borrowers
💬 Tip: Apply for a festive loan NOW while rates are stable – Vizzve offers loans from ₹10,000 to ₹5,00,000 with flexible EMIs.
🧾 4. New RBI Guidelines on Digital Lending Apps
To fight fraud and ensure safety, RBI now mandates:
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✅ RBI-registered NBFC partnership for all lending apps
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🔍 Mandatory display of lender name and registration number
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🔐 Stricter data privacy & grievance redressal norms
🎯 Why Vizzve Complies:
Vizzve works with RBI-approved NBFCs, uses encrypted systems, and follows all new compliance standards.
🎯 Key Takeaways for Consumers
| Update | Action to Take |
|---|---|
| UPI ₹2L Limit | Use UPI for medical, education, retail |
| Credit Card EMI Rule | Check EMI cost breakdown carefully |
| Stable Repo Rate | Consider fixed-rate festive loans |
| Lending App Compliance | Choose RBI-tied platforms like Vizzve |