*FACT CHECK: New UPI Rules Explained — What Changes From 15 October 2026?*
New Delhi: Social media platforms par UPI charges ko lekar kai claims circulate ho rahe hain. Dr. Anchal Gupta has shared a fact-based clarification on what the new UPI framework actually means for everyday users.
What You Need to Know
* The new rules apply to all UPI platforms—not only Paytm.
* Regular users will not pay any additional fee.
* Sending money to friends or family remains free.
* Merchant payments up to ₹2,000 remain free.
* From 15 October 2026, select merchant payments above ₹2,000 may attract MDR of up to 0.4%.
* This charge is payable by the merchant, not the customer.
* The reported 18% GST is only on the MDR—not on the transaction amount.
*UPI remains free for ordinary users. Do not fall for misleading social-media claims.*
*Don’t rely on forwarded messages or social-media claims. Check the facts before you share.*
*Dr. Anchal Gupta*
Cataract, Cornea and Refractive Surgeon
Founder Netram Eye Foundation
