UPI To Display Verified Names Of Recipients From June 30, 2025

Starting June 30, 2025, all Unified Payments Interface (UPI) apps must reflect the verified individual or merchant receiving the payment, and not any nicknames, QR name or aliases. This step from the National Payments Corporation of India (NPCI) is targeted at preventing frauds that occur because of name misdirection or lack of identification details.

What’s Changing

At present, when individuals send money through UPI, they do so on the basis of a mobile number or virtual ID. The receiver’s real name or business name is not always visible, and this results in confusion or even sending money to the wrong person. Even fraudsters employ false names to mislead people into making payments to them.

The new rule will now see UPI apps display the name that has been registered with the bank—nothing more—on the screen immediately before you key in your UPI PIN.

The confirmed name displayed will be retrieved directly from the bank’s database through an API. It is the same name that was used by the accountholder while opening the bank account. Thus, users will now be aware clearly to whom the money is being sent.

This regulation will be applicable on all UPI platforms and apps. Whether you are paying a friend (P2P) or purchasing something from a local seller (P2PM), the authenticated name will be displayed before you make the payment.

What Won’t Be Allowed Anymore

Some apps even provide options to vendors and users to personalise how their name is visible to others. Some names are selected from QR codes or manually added by users. Such names can now not be displayed to the sender prior to the transaction.

Only the name retrieved from the bank’s Core Banking System (CBS), which all Indian banks utilise, will be displayed. This is to prevent any possibilities of impersonation.

Why It Matters

The objective is straightforward: transparency and security. If individuals can see the actual name prior to authenticating the transaction, they will be less prone to scams. It will also prevent errors in sending money to the wrong individual because of a similar name or number.

NPCI feels that this move will increase confidence in digital payments and make users feel more secure when using UPI for their day-to-day transactions.

What You Should Do

As a customer, there’s nothing out of the ordinary you have to do. Simply update your UPI app when asked to. After June 30, verify the name displayed carefully before you approve any payment.

If you are a merchant or vendor, ensure your account information and registered name with your bank are accurate—because that's the name your customers will now see.