Is the ₹5 UPI MDR Applicable on Petrol and Recharge?
Published: 3 October 2026
Yes, on the notified list. From 15 October 2026 a petrol pump or a recharge (रिचार्ज) merchant does not pay 0.4% on a UPI bill above ₹2,000. The published shop fee on those lines is a flat ₹5. The person paying still pays the amount on the screen.
This is the new merchant rule, not an old UPI charge. A ₹400 recharge stays free. A ₹2,100 recharge is over the line, and the shop side is ₹5, not a percentage.
Where the Flat ₹5 Sits
- Fuel, including a petrol pump.
- Mobile recharge and other telecom bills.
- Rail tickets.
- Insurance premiums on this list.
- Agricultural inputs, and electricity, water or piped gas, in the same reported bucket.
A pump takes ₹10,000 for a tank. At 0.4% that would be ₹40. On this list it is ₹5. A ₹1,800 top-up is still ₹0. Rail, insurance and a prepaid recharge use the same flat idea, not a second table of percentages.
What Does Not Get the ₹5
A normal shop, a clinic, a restaurant, is not on this list. Their bill above ₹2,000 is 0.4%, capped at ₹300 from ₹75,000. A small QR shop inside the ₹1 lakh monthly class is reported at zero, even on fuel only if the bank has put that pump in the small-shop class. Most pumps are full merchants, so assume ₹5 until the acquirer says otherwise.
A RuPay credit card paid through UPI is not this ₹5. That follows card rules. A family transfer of ₹20,000 is not a recharge and stays free.
The rate table and calculator stay on the homepage.