INDIA • 2026 MDR FRAMEWORK
UPI MDR Calculator
Calculate the merchant-side UPI Merchant Discount Rate under the announced framework effective 15 October 2026.
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Rate0%
Customer charge₹0
Merchant-side MDR₹0.00
Rule—
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UPI MDR at a glance
| Case | Announced MDR | Customer pays |
|---|---|---|
| P2P, any amount | ₹0 | ₹0 |
| P2M up to ₹2,000 | ₹0 | ₹0 |
| Eligible P2PM small merchant | ₹0 | ₹0 |
| Normal P2M above ₹2,000 | 0.4%, capped ₹300 | ₹0 |
| Specified essential/industry-program sectors above ₹2,000 | ₹5 flat | ₹0 |
| Capital-market payments | 0.02%, capped ₹300 | ₹0 |
| UPI Mandate / AutoPay | No prescribed MDR | ₹0 |
| Credit-linked UPI | Separate credit-product rules | Not this MDR |
Official-rule notes
- The new finalized framework takes effect on 15 October 2026.
- MDR is a merchant/payment-ecosystem charge, not a government tax.
- Customers should not be charged MDR or a UPI platform/hidden fee.
- The ₹300 cap starts at ₹75,000 because 0.4% × ₹75,000 = ₹300.
- P2PM eligibility depends on the merchant account category; the FAQ says more than ₹1 lakh/month for 3 consecutive months triggers transition to P2M.
- Credit-linked UPI, including RuPay Credit Cards and pre-sanctioned credit lines, follows separate credit-product rules.
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