UPI MDR controversy explained in Hindi | Abhi and Niyu

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Are UPI payments really going to become chargeable? What is the truth behind the ₹2,000 UPI rule, MDR charges and the latest UPI update?

In this video, Abhi and Niyu break down the controversy around UPI charges above ₹2,000, the proposed 0.4% UPI interchange/MDR fee, and what the new rules could mean for merchants, banks, payment apps and ordinary users. We explain the difference between UPI P2P and P2M transactions, whether UPI is actually “free,” and who ultimately pays for the infrastructure behind India's digital payments system.

We also look at the arguments from Ashneer Grover, PhonePe and Zerodha, the hidden costs of running UPI, and why charging merchants could have an impact on India's digital-payment ecosystem.

But is introducing a UPI fee really the best solution? We explore why UPI has become a crucial part of India's digital economy, how it reduces dependence on cash and foreign payment networks, and alternative ways banks and NPCI could generate revenue while keeping everyday UPI payments free.

From UPI transaction limits and fees to NPCI rules, digital payments, banking and the future of India's payment infrastructure, this video explains the UPI charges controversy in simple terms.

Is UPI no longer free? Who actually pays the UPI fee? And should UPI remain free for the general public? Watch till the end and decide for yourself.

#UPI #mdr #upicharges

A video by Abhiraj Rajadhyaksha & Niyati Mavinkurve



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About Us:
Abhi and Niyu is the fastest growing Indian educational YouTube channel. Abhi and Niyu are a husband-wife couple who believe in the power of our youth.

Abhi and Niyu started their page to talk about positive, impactful ideas and to inspire offline action from online content. It was a way to change the way our negative feeds operated and replace negative news with positive, action-oriented news that made some change. They decode and simplify issues for Millenials and believe small steps lead to big outcomes in the future. Their videos span different genres like history, environment, and sustainability, policy discussions, social commentary, economics, personal finance, among others.