UPI Autopay lets you set up recurring payments over UPI — subscriptions, SIPs, bills, EMIs — that are debited automatically on schedule, after you approve a one-time mandate with your UPI PIN.
How it works
When you subscribe to something that supports UPI Autopay, you approve an e-mandate once: you set the amount, frequency and validity, and authorise it with your UPI PIN. After that, each due payment is debited automatically. For larger amounts you may get a notification to approve; smaller recurring amounts can run without re-entering the PIN each time.
What you can use it for
- OTT and app subscriptions
- Mutual fund SIPs and recurring investments
- Utility bills and EMIs
- Memberships and insurance premiums
Limits
UPI Autopay follows standard UPI limits, with higher ceilings for certain categories. You always see the amount and frequency before approving, so a mandate can never debit more than you authorised.
How to view or cancel a mandate
Open your UPI app, go to Autopay / Mandates, and you will see every active mandate. Tap any one to pause or cancel it — the change takes effect immediately, so you are always in control. Cancelling a mandate stops future debits but does not refund payments already made.
Frequently asked questions
What is UPI Autopay?
UPI Autopay is a feature that lets you authorise recurring payments (subscriptions, SIPs, bills) over UPI through a one-time e-mandate, after which debits happen automatically.
Can I cancel a UPI Autopay mandate?
Yes, anytime. Open your UPI app, go to the Autopay or Mandates section, and pause or cancel the mandate; it takes effect immediately.
Is UPI Autopay safe?
Yes. You set the amount and frequency upfront, a mandate can never debit more than approved, and you can cancel it whenever you want.
Limits, charges and procedures are set by the RBI, NPCI and individual banks and can change. Always confirm current details in your own bank’s app before a transfer. Last updated June 2026.