UPI MDR calculator.

Estimate the merchant-side deduction. Check the date and classification first.

Transaction details

For direct bank-account UPI payments.

Rule period

Transaction amount

INR

Recipient / transaction category

This selection is an estimate input. It does not verify or change your merchant classification.

Before 15 October 2026

Estimated MDR

₹0

Applicable MDR0%

Merchant deduction, MDR only₹0

Proceeds after MDR only₹5,000

Tax and other charges are excluded. The FAQ does not settle the GST calculation. Percentage fees are rounded half up to the nearest paise for this estimate; provider settlement rounding may differ.

Upcoming rules, clearly dated. The verified FAQ schedules the new framework for 2026-10-15. Select that period to preview it. This page is a snapshot checked on 18 September 2026, not a live policy feed.

Official source: DFS, Ministry of Finance: MDR on Select UPI (P2M) Transactions, 15 September 2026 (PDF). Last verified: 18 September 2026. Effective: 15 October 2026.

Informational only. Confirm classification, implementation and any later changes with your acquiring bank. This calculator does not determine bank limits, taxes, other service charges or the outcome of a payment.

Read the MDR reference → · Check P2PM eligibility questions →