UPI MDR woh chhoti fee hai jo dukan ko mile UPI payment se katti hai. Grahak kuch extra nahi deta. Rs 2,000 tak ke payment par MDR nahi lagega. Us se upar 0.4% lagega, Rs 300 per transaction ki cap ke saath, par P2PM chhote merchants par nahi. Yeh us date se lagega jo NPCI notify karega, aur NPCI ke mutabik yeh Diwali 2026 ke turant baad hogi.
Last checked: 28 Oct 2026. Tab tak NPCI ne date notify nahi ki thi.
MDR ka matlab aasaan bhasha mein
Jab grahak aapka QR scan karke paise bhejta hai, us payment ke peeche kai log kaam karte hain: aapka bank, grahak ka bank, UPI app aur NPCI. MDR ka matlab hai is kaam ke badle dukandar ki taraf se katne wali ek chhoti fee.
Merchant Discount Rate kya hai
MDR ka poora naam Merchant Discount Rate hai. PIB ki 15 Sep 2026 wali release ke hisaab se yeh koi tax nahi hai, aur yeh paisa na sarkar leti hai na NPCI. Yeh payment chain ke andar banks aur payment companies ke beech jaata hai.
Seedhi baat: agar kisi payment par MDR laga, toh aapke account mein poore paise se thoda kam aayega. Grahak ki jeb se kuch extra nahi jaata.
Kis payment par lagega, kis par nahi
Sabse zaroori baat yahi samajhni hai. Har UPI payment ek jaisa nahi hota.
Person to person payment
Ek aadmi doosre aadmi ko paise bheje, jaise dost ko ya ghar waalon ko, toh woh person to person payment hai. PIB (15 Sep 2026) ke mutabik yeh MDR ke daayre se bahar hai.
Dukan ko Rs 2,000 tak ka payment
Grahak se dukan ko jo payment jaata hai, use P2M (person to merchant) kehte hain. PIB (15 Sep 2026) ke mutabik Rs 2,000 tak ke P2M payment par MDR nahi lagega.
Rs 2,000 se upar ka merchant payment
PIB (15 Sep 2026) ke mutabik Rs 2,000 se upar ke P2M payment par 0.4% MDR lagega, aur Rs 75,000 ya usse upar ke payment par yeh Rs 300 per transaction par cap hai.
Pura hisaab aur examples ke liye padhiye: UPI MDR Charges After Diwali 2026. Wahan humne alag alag bill amount par asar samjhaya hai, isliye yahan dohra nahi rahe.
Agar aap alag alag gateway ke quotes mila rahe hain, to hamari payment gateway charges checklist dekhiye. Usmein har quote ki kaun si lines check karni hain, woh likha hai.
P2PM kya hai: chhoti dukan ke liye
P2PM ka matlab hai Person to Person Merchant. Yeh un chhote dukandaron aur thele waalon ki category hai jo apne personal bank account mein UPI QR se paise lete hain.
PIB (15 Sep 2026) aur NPCI FAQ ke mutabik, P2PM category ke chhote merchants jo UPI QR se mahine mein Rs 1 lakh tak paate hain, unke liye MDR zero rahega. NPCI FAQ (Q23) bhi yahi kehta hai ki P2PM framework wale chhote merchants “will continue with zero MDR”.
Business Standard (20 Sep 2026) ki report ke mutabik, agar UPI receipts teen mahine lagatar Rs 1 lakh se upar jaayein, toh category P2M ho sakti hai.
Aapka account kis category mein hai, yeh apne bank se poochiye. Yahi sabse pakka jawab hai.
Kab se lagega
NPCI ne 13 Oct 2026 ko kaha ki MDR “implemented immediately post Diwali at a date to be notified separately” hoga. Yaani niyam usi din se lagega jo date NPCI notify karega. 15 Oct wali purani date ab lagu nahi hai.
Date ki pakki jaankari NPCI ke press release page (npci.org.in) par aati hai, ya apne bank se poochiye. Rs 1 lakh mahine tak UPI QR se apne account mein paise lene wale P2PM chhote merchants ke liye MDR zero rahega.
Customer se MDR le sakte hain?
PIB (15 Sep 2026) ki release mein likha hai: “Banks have been advised to ensure that merchants do not pass MDR charges on to customers.” Apne case ke liye apne bank se baat kijiye.
Related reading: UPI MDR after Diwali 2026, poori detail, payment gateway charges India, dukan me online payment kaise kare.
FAQ
UPI MDR kya hota hai?
MDR yaani Merchant Discount Rate. Yeh woh fee hai jo dukan ko mile kuch UPI payments par bank aur payment companies ke beech batti hai. PIB (15 Sep 2026) ke mutabik yeh tax nahi hai.
MDR kaun deta hai, customer ya dukandar?
MDR dukandar ki taraf se katta hai, customer se nahi. PIB ke mutabik banks ko kaha gaya hai ki merchants yeh charge customer par na daalein.
Kya har UPI payment par MDR lagega?
Nahi. PIB (15 Sep 2026) ke mutabik person to person payment aur Rs 2,000 tak ke merchant payment par MDR nahi hai. Agar grahak bole “paise bhej diye”, toh credit apne bank app mein dekhiye. Kaise, yeh fake UPI payment kaise pehchanein mein hai.
P2PM kya hai aur chhoti dukan par kya asar hai?
P2PM chhote merchants ki category hai jo UPI QR se mahine mein Rs 1 lakh tak paate hain. PIB aur NPCI FAQ Q23 ke mutabik inke liye MDR zero rahega. Apni category apne bank se confirm kijiye.
MDR kab se lagega?
Us date se jo NPCI notify karega. NPCI (13 Oct 2026) ke mutabik yeh Diwali 2026 ke turant baad hogi. 28 Oct 2026 tak date notify nahi hui thi.
Indi Andaz par online order ke liye alag UPI MDR nahi katta. Kharcha: no monthly fee, 5% only on delivered online orders. Isme payment processing shaamil hai, aur fee pe GST lagta hai.
Aage padhiye: UPI MDR ka pura hisaab, aur dukan me online payment kaise lein. Baaki guides ke liye Start here dekhiye.
Sources: PIB release, 15 Sep 2026 (last checked 28 Oct 2026); NPCI FAQ on MDR, 15 Sep 2026 (Q3, Q23, Q24) (last checked 28 Oct 2026); NPCI statement, 13 Oct 2026 (last checked 28 Oct 2026); Business Standard, 20 Sep 2026.
About the author: Pritam Nandi is the founder of Prilix Labs, the company behind Indi Andaz. He builds Indi Andaz from Ashoknagar Kalyangarh, West Bengal, to help local Indian shops sell online and bill at the counter from one place.
Indi Andaz by Prilix Labs: an online store with UPI, card and COD checkout, plus GST billing at the counter.
Prilix Labs, Ashoknagar Kalyangarh, North 24 Parganas, West Bengal 743222
Email: indiandazsocial@gmail.com
Phone: 8653001257
© 2026 Prilix Labs
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