# @financewizardcl on Instagram

- **Type:** Video
- **Original URL:** https://www.instagram.com/p/DXecn7PicO1
- **Gondola URL:** https://gondola.cc/posts/64415073-financewizardcl-instagram
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/b28f6bf315.jpg
- **Posted:** 2026-04-23T13:25:19.000+00:00
- **Account Owner:** Chandralekha Mittemari Ravikumar (@financewizardcl) — https://gondola.cc/financewizardcl

## Caption

The Reserve Bank of India just dropped a paper that could change how UPI works for everyone.

Hi, I am Chandralekha and I love talking about money.

People aren’t just losing money to hacking anymore. They’re sending it themselves due to panic, scams, or mistakes.

💡Here’s what’s changing:
✅ 1-hour delay for transfers above ₹10,000 so you can cancel if something feels off. Merchant payments stay instant as usual
✅ For 70+ and disabled users, a trusted nominee must approve transfers above ₹50,000
✅ One-tap kill switch to block UPI, cards, and net banking instantly

Fraud works on urgency. These changes break that pressure.

Open for feedback till May 8, 2026.

 #personalfinance #bank #upi #money

## Stats

- **Views:** 6,102
- **Likes:** 434
- **Shares:** 0
- **Comments:** 51

## Tags

personalfinance, money, bank, upi

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