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⚡ Special UPI MDR of ₹5 Per Transaction: What Businesses Need to Know

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India’s Unified Payments Interface (UPI) is set to move into a new Merchant Discount Rate (MDR) framework from 15 October 2026 . Under the new framework, selected merchant transactions above ₹2,000 will attract an MDR, while certain essential and thin-margin sectors will receive a special flat ₹5 MDR per transaction . The change is particularly relevant for businesses accepting UPI payments, because the applicable MDR will depend on the type of transaction, merchant category and transaction value. The Ministry of Finance has clarified that UPI person-to-person transactions will remain free , while payments to merchants up to ₹2,000 and eligible transactions covered by the zero-MDR framework for small merchants will also remain free. 📢 What Is UPI MDR? Merchant Discount Rate (MDR) is a charge associated with processing certain merchant payments through a digital payment system. It is part of the payment ecosystem and is distributed among participating entities such as banks, paymen...
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🧾 GST Registration Made Easier for Existing GSTIN Holders: What Businesses Need to Know

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GST registration is an important compliance requirement for businesses that fall within the applicable provisions of the Goods and Services Tax law. For many businesses, the registration process involves entering business details, promoter or partner information, authorised signatory details, address information and other particulars into the GST Portal. To make the registration process more convenient, the GST system is introducing functionality that can reduce repetitive data entry for applicants who already have an active GSTIN under the same PAN. From 1 September 2026, eligible details can be auto-populated in Form GST REG-01, subject to OTP-based consent of the Primary Authorised Signatory , as highlighted in the update shared by Taxla Services. This development can make the registration process more streamlined while also placing greater importance on verification of the information before submission. 📌 What Is Form GST REG-01? Form GST REG-01 is the application form used fo...
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Investing Through UPI? Understanding the Special MDR Rules for Investment-Related Payments

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Digital payments have transformed the way individuals and businesses transfer money, make purchases and manage financial transactions. Among the various digital payment methods available in India, the Unified Payments Interface (UPI) has become an important part of everyday financial activity. While UPI is widely known for its convenience and speed, merchants and businesses need to understand that Merchant Discount Rate (MDR) rules can differ depending on the nature of the transaction. Certain investment-related categories are subject to a separate MDR structure, making it important for businesses, financial intermediaries and customers to understand how these charges work. Under the special MDR structure highlighted in the latest update, UPI payments involving specified investment-related categories can attract an MDR of 0.02% of the transaction value , subject to a maximum MDR of ₹300 per transaction . This blog explains the key aspects of the special UPI MDR structure and what busi...
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💳 UPI MDR Rules Revised – What Merchants Need to Know

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Understanding the New UPI Merchant Payment Framework Unified Payments Interface (UPI) has become one of the most widely used digital payment systems in India. From neighbourhood shops and restaurants to large businesses and service providers, merchants increasingly depend on UPI to receive payments quickly and conveniently. A significant change is now coming to the way certain UPI merchant transactions are handled. The National Payments Corporation of India (NPCI) has introduced a revised Merchant Discount Rate (MDR) framework for select Person-to-Merchant (P2M) UPI transactions . The framework is scheduled to become effective from 15 October 2026 . Under the new framework, specified P2M transactions above ₹2,000 will attract an MDR of 0.4% , subject to applicable categories, exemptions and caps. For transactions of ₹75,000 and above, the MDR is capped at ₹300 per transaction . At the same time, UPI remains free for Person-to-Person (P2P) transactions, and merchant payments up to ₹2,00...
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📢 EPFO Wage Ceiling Raised from ₹15,000 to ₹25,000: What Employees and Employers Need to Know

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A Major Change in EPF Social Security Coverage The Government of India has announced a significant change in the Employees’ Provident Fund Organisation (EPFO) framework. The wage ceiling for mandatory EPFO coverage has been increased from ₹15,000 to ₹25,000 per month . The Union Cabinet approved the proposal on 16 September 2026 , and the revised wage ceiling will come into effect from 17 September 2026 . According to the Government, the change is expected to bring more than 51 lakh additional employees within mandatory EPFO coverage. This is an important development for both employees and employers because the wage ceiling has a direct connection with statutory provident fund coverage and access to social-security benefits. The earlier ₹15,000 ceiling had remained unchanged since September 2014. The latest revision therefore represents an important update to the EPFO framework after more than a decade. What Is the EPFO Wage Ceiling? The EPFO wage ceiling is the statutory wage thresho...
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