UPI MDR: the verified rule reference

The schedule, in one place

Until that effective date, the upcoming charges below are not applied by this calculator. The rules cover direct bank-account UPI; credit-linked payments have separate rules.

The customer is not the MDR payer

The FAQ says consumers remain uncharged and merchants cannot pass MDR to buyers. Do not add a calculator result to a customer’s bill.

What this reference leaves unresolved

Education has special treatment, but Q42 does not give one exact rate. The calculator therefore declines to estimate those higher-value payments. Taxes and provider-specific charges are excluded; the FAQ does not settle GST on MDR.

Using an estimate responsibly

First establish the payment date and funding source. Then ask the acquiring bank which merchant classification applies. A shop description, business name or payment note is not proof of classification.

Use the MDR calculator to see the selected rule and its arithmetic. Its proceeds figure subtracts only the modeled MDR. Compare the actual settlement statement separately, especially when other services are billed alongside payments.

This is a dated reference. Check the linked official document and your provider before relying on a future-period estimate. No subsequent official amendment was verified in the research for this release.