₹
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₹
₹
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Who actually pays
Everyday users almost never pay a UPI fee. The new charge sits on the merchant's side of larger payments — here's the full picture, stamped out.
Person to person
Any amount
FREE
Merchant, bank account
Up to ₹2,000
FREE
Merchant, bank account
Above ₹2,000
0.4% · CAP ₹300
Merchant, wallet
Above ₹2,000
1.1%
Micro-merchant QR
Any amount, ≤₹1L/mo
EXEMPT
Some categories — fuel, telecom, insurance, government and railway payments among them — may follow separate flat-fee or exempt treatment. This tool covers the general rule; check with NPCI or your bank for edge cases.