RBI New UPI Rules 2026: 4 Major Changes proposed to Stop Digital Payment Fraud

🔒 RBI's Game-Changing Proposals to Combat Digital Payment Fraud in 2026!

The Reserve Bank of India has released a Discussion Paper introducing 4 major proposals to protect citizens from digital payment fraud. This video breaks down all the key changes coming to UPI, net banking, and digital transactions.

📌 WHAT'S COVERED:

✅ Proposal 1 - LAGGED CREDIT (0:00)
• 1-hour mandatory delay for transactions ₹10,000+
• Cancel option during waiting period
• Whitelisting for trusted payees
• Exclusions: Merchant payments, e-mandates, cheques

✅ Proposal 2 - TRUSTED PERSON AUTHENTICATION (2:30)
• Mandatory for citizens aged 70+ and persons with disabilities
• Secondary authentication for transactions ₹50,000+
• 24-hour cooling period for changing trusted person
• Opt-out policy with risk explanation

✅ Proposal 3 - MANAGING MULE ACCOUNTS (5:00)
• ₹25 lakh annual credit ceiling for low turnover accounts
• Shadow credit verification system
• 30-day verification window
• Protection against fraud routing accounts

✅ Proposal 4 - KILL-SWITCH CONTROLS (7:30)
• Instant disable for all digital payment modes
• Transaction limit controls at account level
• Reactivation via digital authentication or branch visit
• Default disable options for new customers

📝 SUBMIT YOUR FEEDBACK:
• Deadline: May 08, 2026
• Portal: Connect 2 Regulate on RBI website
• RBI will issue draft guidelines after analyzing comments

🔗 IMPORTANT LINKS:
RBI Discussion Paper: https://t.me/fintaxpro/4500
Connect 2 Regulate Portal: https://www.rbi.org.in/scripts/Bs_Connect2Regulate.aspx

💡 WHY THIS MATTERS:
These proposals aim to disrupt fraudsters' psychological pressure tactics while maintaining transaction convenience. Whether you're a senior citizen, business owner, or everyday digital payment user, these changes will impact how you transact online.

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Video timestamp
0:00 RBI proposal on UPI transaction 2026
0:19 Lagged credit above 10000
1:32 Trusted person for senior citizen
2:30 25 Lakh celing limit on UPI receipts
4:57 Kill swith control in UPI
5:36 Comment & Feedback

Видео RBI New UPI Rules 2026: 4 Major Changes proposed to Stop Digital Payment Fraud канала FinTaxPro