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WebTeam
- August 12, 2025
Meet Shakthi – An Everyday Accountant in Chennai
Shakthi is a 27-year-old accountant in a civil engineering company, living in Anna Nagar, Chennai.
Her weekdays were always the same – morning coffee at the Anna Nagar tea stall, a quick metro ride, and hours of balancing numbers at her desk.
But on August 2, 2025, her smooth routine hit a speed bump.
The Day UPI Stopped Working
That morning, Shakthi tried to check her bank balance on her UPI app –
Error: Try after 24 hours.
She tried again. Same message.
For someone who made vendor payments daily, this was a nightmare.
Only then did she remember scrolling past a Wish Tree Consultants Pvt Ltd Instagram post about the new UPI rules. She hadn’t paid attention – and now it was costing her time and peace of mind.
The 7 UPI Rule Changes You Need to Know (From Aug 1, 2025)
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Balance Check Limit – Max 50 times/day; exceed it and your app is blocked for 24 hours.
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Account List Limit – View linked UPI accounts only 25 times/day.
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Auto-Debit Restriction – No execution between 10 AM–1 PM and 5 PM–9:30 PM.
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Pending Payment Status – Max 3 checks/day, with a 90-second gap.
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After Payment Update – Bank balance auto-displays post-transaction.
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Recipient Details – Payee info shown clearly before payment – verify before confirming.
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Speed Upgrade – UPI transfers must complete within 10 seconds (previously 30).
Seeking Help – Wish Tree Consultants to the Rescue
Frustrated, Shakthi walked into Wish Tree Consultants Pvt Ltd, located at:
📍 2nd Floor, A-Block 6th Street, Near Anna Nagar East Metro, Chennai – 600102
📞 8124422221
The team, known for their Tax | Audit | Advisory expertise, calmly explained each rule change, its impact on personal and business transactions, and even helped her restructure payment schedules for her office vendors.
While there, she also booked her Income Tax Filing, updated her Digital Signature, and asked about GST compliance for her side business – all conveniently handled at Wish Tree Consultants.
The Happy Ending
Within a week, Shakthi became her office’s go-to person for UPI queries.
Whenever someone asked, “What’s the 90-second rule again?” she’d smile and reply:
Mini Quiz – Are You UPI Smart?
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How many times can you check your balance per day now?
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What hours block auto-debits?
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How long between pending status checks?
(Answers: 50, 10 AM–1 PM & 5 PM–9:30 PM, 90 seconds)
Fun Facts & Tips for Chennai Users
💡 Fun Fact: India recorded over 100 billion UPI transactions in 2024 – more than any other country.
💡 Tip: Use fewer manual balance checks – save them for when you really need them.
💡 Tip: Verify the payee name before sending – it’s your first defence against fraud.
Moral of the Story
Small changes in banking rules can have big effects if you’re unprepared.
Stay informed, plan your transactions smartly, and keep a trusted partner like Wish Tree Consultants Pvt Ltd for your financial and compliance needs.
📌 Services Offered:
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Income Tax Filing
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GST Registration & Filing
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TDS Filing
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Company Incorporation
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Digital Signature
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Audit Services
Because in money matters, awareness is wealth – and with Wish Tree Consultants, your wish is our success.
