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UPI MDR After Diwali: What Users and Merchants Check

November 10, 2026November 3, 2026 writehubdaily

UPI MDR after Diwali: 0.4 percent merchant fee capped at 300 rupees, P2P stays free

UPI MDR after Diwali is the question many shopkeepers and users are asking now that the festival is over. On October 13, 2026, NPCI said the Merchant Discount Rate (MDR) on select person-to-merchant (P2M) UPI payments would be implemented immediately after Diwali, on a date to be notified separately. Reports at that time said the fee structure itself had not changed. This guide explains what to check, what stays free, and how to be ready for the start date. For the full background, read our main explainer on the UPI…

UPI New Rules 2026: 0.4% MDR Deferred Until After Diwali

October 13, 2026October 28, 2026 writehubdaily

UPI MDR deferred until after Diwali, 0.4% fee on select merchant payments on hold

Update, October 28, 2026: The 0.4% UPI merchant fee has not started yet. On October 13, NPCI’s UPI and Services Steering Committee deferred the Merchant Discount Rate (MDR) on select person-to-merchant (P2M) payments, which was due to begin on October 15. The fee will start “immediately post Diwali” on a date that NPCI will announce separately. Reports say the fee structure itself has not changed. This guide combines everything you need to know in one place, and we will update it when the new date is announced. UPI new rules…