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Regalia HR Services (a subsidiary of Regalia Creative & Consultancy LLP) is an executive search & recruitment services firm.

[Dr Amiya Chandra @DrAmiyaChandra]

UPI. MDR. 0.4%. Tax.
I’ve been hearing these words so much lately that even my QR code must be getting nervous!

But all this noise made me think about something much simpler: how dramatically the way I pay has changed.

I remember carrying cash, writing cheques and standing in bank queues for a Demand Draft. Today? Driver — scan. Tolls — scan. Restaurant — scan. Shopkeeper — scan. Done.

UPI didn’t just change how I pay. It changed how I live.

And the scale of that change is remarkable. In August 2026 alone, UPI processed around 24.5 billion transactions worth nearly ₹30 lakh crore. (NPCI)

So what about the much-discussed 0.4% MDR?

First, MDR is not a government tax. Under the new framework, it applies to specified merchant payments above ₹2,000 and is shared within the payments ecosystem. Person-to-person transfers remain free, payments to merchants up to ₹2,000 remain free, and the government says about 96% of merchant transactions remain unaffected.

That makes the more interesting question:

How do we keep something this large fast, secure, innovative and sustainable?

UPI needs technology, servers, cybersecurity, fraud prevention and constant upgrading. At this scale, reliability itself has a cost.

And now comes the part that excites me most.

UPI is travelling too. It already has a presence outside India. Imagine landing abroad, spotting a QR code and paying from your Indian account almost as naturally as you pay your neighbourhood sabziwala.

From standing in a bank queue for a Demand Draft to scanning a QR code across borders — that is quite a journey.

So amid all the UPI-MDR noise, perhaps we should remember the bigger picture.

UPI changed my life. The next chapter could be about changing the way India pays the world.

#UPI

Image is AI generated

[Regalia HR Services @RegaliaHr]

@RailMinIndia @AshwiniVaishnaw surprised in the morning to find this on Vapi station while waiting to catch 12954 on 5th March

[क्रोसिंग की आवाज @CrossingKiAwaaz]

@iAmSumitIND @PtUjjwalMishra @AMRUTCityGzb @CommissionerMe3 @Gen_VKSingh @AtulGargBJP @fedcraoa @gdagzb बायो CNG प्लांट को बनने देने में CIPL भी कही ना कही अपनी जमीन नगर निगम को देकर बदले में मुख्य सड़क या उसके आप पास की अच्छी जमीन ले कर नगर निगम की मदद कर रहा है।
बिल्डर ने टाउनशिप बना दी लेकिन 12 साल बीत जाने के बाद भी टाउनशिप में जरूरी सुविधाएं नही दी है उस तरफ किसी का ध्यान नही।

[Apar Tandon @apartandon]

#StopBioCNGPlant
@PMOIndia @myogioffice @myogiadityanath @CMOfficeUP Sirs, request you to please look into this as this is a matter of life of more than 1 lakh families.

[Bhupendra Kumar @BKumar003]

Stop bio CNG plant in crossing as this is residential area.

[Sunil Tiwari @SunilTi10714902]

@PtUjjwalMishra @AMRUTCityGzb @CommissionerMe3 @Gen_VKSingh @AtulGargBJP We don't want this Bio CNG plant. It's a big health hazardous for us. Stop Bio CNG Plant.

[Neeraj @Neeraj31466124]

@PtUjjwalMishra @AMRUTCityGzb @CommissionerMe3 @Gen_VKSingh @AtulGargBJP Already crossing was struggling with carbon factory and now this garbage ,
It looks those who are paying highest income tax are being panalised ,
Request to all authorities to look in to this matter.

[Gautam Kishore @apkagautam]

@PtUjjwalMishra @AMRUTCityGzb @CommissionerMe3 @Gen_VKSingh @AtulGargBJP Bio CNG plant should not be allowed in residential area

[Nagesh Singh @Nageshsingh78]

@PtUjjwalMishra @AMRUTCityGzb @CommissionerMe3 @Gen_VKSingh @AtulGargBJP दुनिया में शाय��� ये पहला ही उदाहरण होगा कि जिस तरह के प्लांट को आबादी से दूर होना चाहिए, उसको आबादी बसाने के बाद उनके बीच में बनाया जाएगा। बगल में स्कूल है, बच्चों के स्वाथ्य पे क्या असर प��़ेगा। नेता जी सिर्फ बड़े बड़े बात करते हैं, दुनिया का कोई ऐसा जगह बता दे जहाँ ऐसा हुआ है

[Karan Suri @karansuri859]

@PtUjjwalMishra @AMRUTCityGzb @CommissionerMe3 @Gen_VKSingh @AtulGargBJP #StopBioCNGPlant before giving NOC local #authority #GhazibadNagarNigam must think of 1Lakh residence residing in #CrossingRepublik
#NDTVExclusive #NationalNews

[Sunil Bhargava @sunilbhargava1]

@PtUjjwalMishra @AMRUTCityGzb @CommissionerMe3 @Gen_VKSingh @AtulGargBJP This wet waste plant should be relocated to less populated place. More than 1 lac people reside here. Sr citizens, children will be severely affected.
Bio CNG is a good word it may be #StopWetWasteBioCNGPlant

[Dr. Bigyan Verma @bigyanverma]

Extremly terrible experience I had dealing with Mr. Prashant Deshpande of NJ Invest office in Vashi. He is arrogant, lacks courtesy, has low demeanor. Feels like withdrawing all investments made in bonds, SIPs due through NJ due to this fellow. #njiwealth #njinvest #amfi

[Regalia HR Services @RegaliaHr]

@StarQuik paid Rs.899/- for 2 dozens of mangos under Order No##2000018955 dt 27th May. Checked 6 Mangos and all were rotten inside. No response from customer care.

[Regalia HR Services @RegaliaHr]

@prvn_chdhry could you call me @9167664455 would like to discuss a job opportunity with you.

[Regalia HR Services @RegaliaHr]

It is great that questions are asked for inefficiency. It should be asked to all and no one should be spared including the judiciary for inordinate delays..... But who will do this........???#DelhiHighCourt @LiveLawIndia @rsprasad

[Live Law @LiveLawIndia]

"You've said you'll ban the use of oxygen in industries by 22nd, but why not by today itself? What about lives that are being lost today? Will you tell the patients from today to wait for 2 days?"
Read more: https://t.co/o2pKbuLi9G
#DelhiHighCourt #COVID19 #Oxygen

[Regalia HR Services @RegaliaHr]

You are a strong man Dr. and very well narrated ....

[Dr. Bigyan Verma @bigyanverma]

My COVID Story: The toughest part in the hospital were the nights spent in fear - Times of India | The Times of India https://t.co/1hOzAYJ13e

[Sanjay Sinha @urologyhyderabd]

Delighted to join as Associate Editor for the Voiding Dysfunction section of BMC Urology @BioMedCentral a part of @SpringerNature

[Regalia HR Services @RegaliaHr]

Channel is losing viewership. I also avoid watching if Nishant is on the panel discussion @ArnabGoswamiRtv @republic Arnab must decide as to what business model he is following.... Serious reporting or timepass.

[Dr. Bigyan Verma @bigyanverma]

Arnab, each time I see Nishant Verma on the panel, I just switch your channel. I just can't stand his repulsive and meaningless chattering all the time @ArnabGoswamiRtv @republic

[Dr. Bigyan Verma @bigyanverma]

World Cup. Should India loose today for obvious reasons (well, to lower Pakistan's chance of entering the last four) or try and continue its winning streak against England? Let the game remain untouched by anything except fair sense of competitiveness.....I believe.