{"id":14877,"date":"2025-10-01T11:03:40","date_gmt":"2025-10-01T05:33:40","guid":{"rendered":"https:\/\/www.enkash.com\/resources\/?p=14877"},"modified":"2025-10-01T11:17:28","modified_gmt":"2025-10-01T05:47:28","slug":"enfin-your-fresh-source-to-fintech-updates-october-2025-edition","status":"publish","type":"post","link":"https:\/\/www.enkash.com\/resources\/blog\/enfin-your-fresh-source-to-fintech-updates-october-2025-edition","title":{"rendered":"EnFin: Your Fresh Source of Fintech Updates (October 2025 Edition)"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">With EnFin, you get a monthly roundup of key movements in digital finance, regulation, and technology. This edition highlights the most relevant updates shaping payments, compliance, and fintech innovation in India.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><b><\/b><\/p>\n<h2><span class=\"ez-toc-section\" id=\"UPI-Payments-May-Soon-Come-with-EMI-Flexibility\"><\/span><b>UPI Payments May Soon Come with EMI Flexibility<\/b><b><br \/>\n<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">NPCI is considering allowing users to convert UPI transactions into EMIs by enabling fintechs to integrate the feature. This move expands on existing offerings such as RuPay credit cards and a credit line on UPI, aiming to strengthen digital credit access across India.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><i><span style=\"font-weight: 400;\">Originally posted by Inc42<\/span><\/i><\/p>\n<h2><span class=\"ez-toc-section\" id=\"EPF-Savings-to-Become-Instantly-Accessible-at-ATMs\"><\/span><b>EPF Savings to Become Instantly Accessible at ATMs<\/b><b><br \/>\n<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The Employees\u2019 Provident Fund Organisation (EPFO) plans to enable ATM withdrawals for subscribers from January 2026. The Central Board of Trustees will approve the facility in October, with special cards issued to members, improving access to EPF savings, particularly during urgent financial needs.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><i><span style=\"font-weight: 400;\">Originally posted by Moneycontrol<\/span><\/i><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Indian-Travellers-Can-Now-Pay-via-UPI-in-Qatar\"><\/span><b>Indian Travellers Can Now Pay via UPI in Qatar<\/b><b><br \/>\n<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Indian travellers can now use UPI across Qatar via QR-code POS terminals enabled by NPCI International and QNB, with Qatar Duty Free leading the rollout. This marks a key expansion in UPI\u2019s global footprint.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><i><span style=\"font-weight: 400;\">Originally posted by The Hindu<\/span><\/i><i><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/i><i><\/i><b><\/b><b><\/b><\/p>\n<h2><span class=\"ez-toc-section\" id=\"NPCI-Acts-Hard-on-Payment-Frauds-with-AI-and-Pull-Transaction-Phase-Out\"><\/span><b>NPCI Acts Hard on Payment Frauds with AI and Pull-Transaction Phase-Out<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b><\/b><span style=\"font-weight: 400;\">NPCI is deploying AI\/ML tools and tightening transaction rules to detect and block fraudulent payments in real time. It also plans to eliminate high-risk \u201cpull\u201d (collect) UPI transactions, reinforcing ecosystem security and user trust.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><i><span style=\"font-weight: 400;\">Originally posted by The Hindu BusinessLine<\/span><\/i><\/p>\n<h2><span class=\"ez-toc-section\" id=\"New-UPI-Settlement-Rules-Effective-from-November-3\"><\/span><b>New UPI Settlement Rules Effective from November 3<\/b><b><br \/>\n<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">NPCI will split settlement cycles into two parts: cycles 1\u201310 will clear only authorized UPI transactions, while cycles 11 and 12 will be reserved for dispute settlements under DC1\/DC2 tags. Current cut-off timings, RTGS posting, and reconciliation rules will remain unchanged.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><i><span style=\"font-weight: 400;\">Originally posted by The Financial Express<\/span><\/i><\/p>\n<h2><span class=\"ez-toc-section\" id=\"UPI-cash-withdrawals-to-reach-business-correspondents\"><\/span><i><\/i><i><\/i><i><\/i><b><\/b><b>UPI cash withdrawals to reach business correspondents<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b><\/b><span style=\"font-weight: 400;\">NPCI has sought RBI approval to enable UPI-based cash withdrawals at over 2 million business correspondents. The move would make cash access easier nationwide and offer a cardless, QR-scan alternative to ATMs and biometric withdrawals.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><i><span style=\"font-weight: 400;\">Originally posted by Economic Times<\/span><\/i><\/p>\n<h2><span class=\"ez-toc-section\" id=\"RBI-tightens-norms-for-payment-aggregators\"><\/span><b>RBI tightens norms for payment aggregators<\/b><b><br \/>\n<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The RBI has issued new guidelines for payment aggregators, requiring stronger fraud prevention, data security, and dispute resolution mechanisms. Non-bank entities will also face higher net worth requirements, merchant-only fund aggregation rules, and stricter compliance.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><i><span style=\"font-weight: 400;\">Originally posted by New Indian Express<\/span><\/i><\/p>\n<h2><span class=\"ez-toc-section\" id=\"UPI-limit-for-UAE-expats-raised-to-%E2%82%B91-crore\"><\/span><b>UPI limit for UAE expats raised to \u20b91 crore<\/b><b><br \/>\n<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Starting September 15, Indian expats in the UAE can transfer up to \u20b91 crore daily via UPI for investments, EMIs, and bill payments. The higher limit is paired with enhanced fraud-control measures by NPCI.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><i><span style=\"font-weight: 400;\">Originally posted by Gulf News<\/span><\/i><\/p>\n<h2><span class=\"ez-toc-section\" id=\"PFRDA-allows-physical-UPS-form-submission-amid-glitches\"><\/span><b>PFRDA allows physical UPS form submission amid glitches<\/b><b><br \/>\n<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">With the September 30 deadline approaching, PFRDA has permitted the physical submission of Unified Pension Scheme (UPS) forms in case of online issues. This ensures NPS subscribers and eligible retirees don\u2019t miss the transition.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><i><span style=\"font-weight: 400;\">Originally posted by Moneycontrol<\/span><\/i><\/p>\n<h2><span class=\"ez-toc-section\" id=\"EPFO-launches-%E2%80%98Passbook-Lite-to-simplify-PF-checks\"><\/span><b>EPFO launches \u2018Passbook Lite\u2019 to simplify PF checks<\/b><b><br \/>\n<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As part of its 3.0 reforms, EPFO has rolled out \u2018Passbook Lite\u2019 for quicker PF balance access and enabled online Annexure K availability. These upgrades aim to ease transfers, improve transparency, and accelerate settlements.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><i><span style=\"font-weight: 400;\">Originally posted by Moneycontrol<\/span><\/i><\/p>\n<h2><span class=\"ez-toc-section\" id=\"RBI-announces-156-return-on-Sovereign-Gold-Bonds\"><\/span><i><\/i><i><\/i><i><\/i><b><\/b><b>RBI announces 156% return on Sovereign Gold Bonds<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b><\/b><span style=\"font-weight: 400;\">The RBI <\/span><span style=\"font-weight: 400;\">has fixed the premature redemption price of Sovereign Gold Bond 2019-20 Series-X at \u20b910,905 per unit on September 11, 2025. This delivers nearly 156% returns to investors compared with the issue price.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><i><span style=\"font-weight: 400;\">Originally posted by Economic Times<\/span><\/i><\/p>\n<h2><span class=\"ez-toc-section\" id=\"UPI-limit-raised-to-%E2%82%B910-lakh-for-high-value-merchant-transactions\"><\/span><b>UPI limit raised to \u20b910 lakh for high-value merchant transactions<\/b><b><br \/>\n<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">From September 15, NPCI will permit UPI payments up to \u20b95 lakh per transaction and \u20b910 lakh daily for categories such as insurance, capital markets, credit cards, travel, and government transactions.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><i><span style=\"font-weight: 400;\">Originally posted by Business Today<\/span><\/i><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%E2%82%B92500-crore-UPI-transactions-lost-after-gaming-ban\"><\/span><b>\u20b92,500 crore UPI transactions lost after gaming ban<\/b><b><br \/>\n<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">India\u2019s ban on real money gaming led to a sharp drop of \u20b92,500 crore in UPI transactions within just nine days. While UPI overall crossed 20 billion transactions in the month, the ban forced payment firms to reassess their revenue models.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><i><span style=\"font-weight: 400;\">Originally posted by Technosports<\/span><\/i><i><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/i><i><\/i><b><\/b><b><\/b><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Default-on-EMI-RBI-may-allow-phone-locking\"><\/span><b>Default on EMI? RBI may allow phone locking<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b><\/b><span style=\"font-weight: 400;\">The RBI is considering a move that would let lenders remotely lock smartphones purchased on credit if borrowers miss EMI payments. Consent from the borrower will be required, and safeguards will be in place to prevent misuse of personal data.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><i><span style=\"font-weight: 400;\">Originally posted by Moneycontrol<\/span><\/i><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Higher-UPI-transaction-limits-for-key-merchants\"><\/span><b>Higher UPI transaction limits for key merchants<\/b><b><br \/>\n<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">NPCI has increased the UPI per-transaction limits for select verified merchants, including those in capital markets, insurance, travel, and credit card bill payments. Banks must comply with the new guidelines effective September 15, 2025.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><i><span style=\"font-weight: 400;\">Originally posted by Livemint<\/span><\/i><\/p>\n<h3><b>UPI crosses 20 billion transactions in August 2025<\/b><b><br \/>\n<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">India\u2019s UPI network processed 20.01 billion transactions worth \u20b924.85 lakh crore in August, marking a 33% year-on-year growth. Daily usage touched nearly 700 million, reinforcing UPI\u2019s position as India\u2019s most widely used digital payments platform.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><i><span style=\"font-weight: 400;\">Originally posted by News18<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">That wraps up this month\u2019s edition of <\/span><i><span style=\"font-weight: 400;\">EnFin<\/span><\/i><span style=\"font-weight: 400;\">. Stay tuned for the next edition, where we\u2019ll continue to cover the updates defining how money moves, grows, and adapts in a digital-first economy.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Stay updated, stay ahead. Follow us on <\/span><a href=\"https:\/\/www.linkedin.com\/company\/enkashbusiness\/\"><b>LinkedIn<\/b><\/a><span style=\"font-weight: 400;\"> for weekly fintech updates you don\u2019t want to miss.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>With EnFin, you get a monthly roundup of key movements in digital finance, regulation, and technology. [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":14878,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[639],"tags":[],"class_list":["post-14877","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ilearn"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Enfin :Your Fresh Source to Fintech Updates (October 2025) | EnKash<\/title>\n<meta name=\"description\" content=\"Stay updated with EnFin\u2019s monthly roundup of digital finance, UPI, RBI, and fintech updates. 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