Direct Answer: From October 15, 2026, NPCI will apply a 0.4% Merchant Discount Rate (MDR) on UPI payments made to merchants (P2M) above ₹2,000, capped at ₹300 per transaction. This charge is borne by the merchant, not the customer — NPCI has explicitly stated consumers will continue to pay only the posted price, and UPI
Quick Answer: An e-mandate is a one-time, RBI-regulated digital authorisation. It lets your bank auto-debit recurring payments — SIPs, insurance premiums, loan EMIs — without you approving each transaction manually. NPCI runs the payments infrastructure that routes and validates these instructions across banks. RBI’s consolidated Digital Payments – E-Mandate Framework, 2026, adds mandatory alerts, authentication
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AMFI Registered Mutual Fund Distributor | ARN - 328771 | Date of Initial Registration: 14/05/2025 | Current Validity: 13/05/2028.
