The National Payments Corporation of India (NPCI) on July 30, 2026, issued addendum to OC NPCIUPIOC-1156/2024-25 on the Numeric UPI ID.
The clarification issued in continuation of the earlier NPCI circular provides additional guidelines on the handling and resolution of numeric UPI IDs. It emphasizes the importance of maintaining accurate and updated mappings between mobile numbers and UPI IDs to ensure secure and reliable transactions.
Under the UPI ID Mapper update requirements, banks, Payment Service Providers (PSPs), and UPI applications are required to regularly update their databases using the Mobile Number Revocation List (MNRL) available through the Digital Intelligence Platform (DIP). PSPs and UPI apps are responsible for correctly creating user profiles and issuing UPI IDs. Any failure, delay, or dispute (including chargebacks) arising from proper updates to the numeric UPI ID mapper will be the liability of the respective PSP and UPI application.
Regarding UPI Mapper usage, all mobile number-based transactions must be routed through the centralized Numeric UPI ID Mapper. Local resolution of such transactions is permitted only if the mapper’s response time exceeds one second. However, in such cases, any disputes or liabilities arising from local resolution will rest entirely with the payer PSP and the UPI application.
Overall, the guidelines aim to strengthen accountability, improve data accuracy, and ensure consistent and secure processing of mobile number-based UPI transactions across the ecosystem.
[Notification No. NPCI/UPI/OC-115F/2026-27]
