Free tool
UPI MDR Calculator
Work out exactly what a UPI payment costs you under the framework effective 15 October 2026 — the MDR, the 18% GST on it, and what you actually recover if you are GST-registered.
The answer depends entirely on which side of the payment you are on.
General information only, based on the NPCI framework notified on 15 September 2026 and effective 15 October 2026. Rates and category scope can change, and Industry Program eligibility must be confirmed with your acquirer or payment aggregator. This is not tax or financial advice — consult a qualified professional for your specific situation.
Read the full guide: MDR on UPI: The New Framework, Who Pays, and the GST Layer