India UPI Fee Shake-Up Impact & Fee Modeling Workbench

Merchant Profile & Parameters

Adjust variables

Merchant Identifier

Merchant Classification Tier

Monthly UPI Volume (INR) ₹25,00,000

Average Ticket Size ₹450

Proposed Standard MDR Rate 0.15%

Wallet & Credit-on-UPI Surcharge 0.50%

Wallet / Credit Share of Volume 15%

Framework Policy Note: Under regulatory directives, transactions under ₹2,000 continue to attract preferential caps or central subsidies. High-ticket P2M and interchange-enabled instruments absorb tiered MDR rates.

Fee Shake-Up Impact Assessment

Live Model Computation

Legacy Monthly Fee

₹0.00

Mandatory Zero-MDR

Proposed Monthly Fee

₹3,750.00

Effective rate: 0.15%

Net Annual Burden

₹45,000.00

Pre-tax incremental OPEX

Turnover Tier Impact Matrix

Tier Horizon	Monthly Volume	Legacy Fee	Proposed Fee	Net Delta	Status