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Wire · operational-macro

UPI MDR: Lenders face ₹5 fee on manual loan payments; Autopay remains free

23 September 2026 · By · Wire by Fusion42

Published

23 September 2026

Topic

operational-macro

◆ Sectors

Fintech

◆ Geography

India

◆ Source

Read at cnbctv18.com →

◆ Verified

Fusion42 · 23 September 2026 · Fusion42 review

NPCI's new UPI MDR framework imposes a flat ₹5 fee on manual loan repayments above ₹2,000, while recurring EMI payments via UPI Autopay remain free of merchant discount rates, influencing cost structures for lenders based on payment methods.

This Wire brief sits within Fusion42's coverage of Fintech, and 27 sources have reported it between 15 Sep 2026 and 5 Oct 2026.

◆ ◆ The Wire takeaway

Lenders using manual UPI payments for loan collections face new transaction fees that raise costs unless they switch to UPI Autopay. You must review your payment methods now to retain cost advantages and avoid new fees on loan repayments.

◆ Coverage

27 sources · first reported 15 Sep 2026 · latest 5 Oct 2026

◆ Related on Wire

◆ Topics

Fintechupimdrloan-paymentsnpcmarket-pricing