by Jobuza Team | Jul 14, 2025 | BLOG, Trending News
UPI Rules Changing from August 1: New Transaction Limits, Autopay Timings & Account Link Rules Explained
UPI Rules Changing: If you use apps like Google Pay, PhonePe, Paytm, or BHIM, there’s an important update you need to know.
Starting August 1, 2025, the rules around UPI (Unified Payments Interface) will change. These updates are being introduced to improve your safety, reduce fraud, and make digital payments more efficient.
Here’s a simple breakdown of everything that’s changing.
1. New Transaction Limits Based on Use
Until now, most UPI payments had a single daily limit. But from August 1, the limit will depend on the type of transaction.
Here’s how the new limits look:
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Merchant Payments (shopping, services, bills):
₹1 lakh per day (₹5 lakh for hospitals or education)
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UPI Credit Line (new feature):
₹1 lakh per transaction (based on your bank’s credit offer)
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Money Transfers to Friends or Family (P2P):
₹1 lakh per day (no change)
Why this matters:
This makes UPI safer by allowing higher limits only for trusted services like healthcare or education, and avoids misuse in other categories.
2. Limit on UPI IDs Per Account
Starting August, you can have only 4 UPI IDs per bank account across all apps.
If you’ve created multiple IDs on different apps (like PhonePe, Paytm, etc.), old or unused ones might get deactivated automatically.
Why this matters:
This helps reduce confusion and prevent fraud through unused UPI IDs.
3. UPI Autopay Timing Will Be Restricted
If you use UPI for subscriptions, OTT apps, EMIs, or SIPs, there’s a new rule:
No automatic payment will go through at night or midnight anymore.
Why this matters:
It gives you better control and reduces the risk of missing or suspicious transactions happening late at night.
4. UPI Credit Line Will Be Available
Banks will soon allow you to use a pre-approved credit line through UPI.
This means you can borrow money like a short-term loan directly in your UPI app. You’ll see this option if your bank offers it.
Why this matters:
This gives more financial flexibility, especially for users who need instant money during emergencies or shortfalls.
5. Inactive UPI IDs Will Be Deactivated
If you don’t use a UPI ID for 12 months, it will be automatically disabled.
Banks and apps will inform you in advance, and you can always reactivate it if needed.
Why this matters:
This reduces the risk of fraud through unused or forgotten UPI IDs.
6. Stronger Verification for New UPI Users
If you’re setting up UPI for the first time after August 1, the process will be a bit stricter.
Why this matters:
This step is added to reduce scams involving fake UPI setups.
Conclusion
These new UPI rules are meant to make digital payments safer and more efficient for everyone. While most changes are automatic, you should:
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Check how many UPI IDs are linked to your bank account
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Keep track of autopay timings
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Watch for any messages from your bank about inactive IDs
With UPI becoming a part of everyday life, these small changes will go a long way in keeping your money and data safe.
by Jobuza Team | Jul 11, 2025 | BLOG, PAN/Aadhar Card Updates, Trending News
Is Your Aadhaar Being Misused? Here’s How to Track Activity and Protect Yourself from Fraud
Your Aadhaar card is one of the most important identity documents in India. It’s used for everything from opening bank accounts and applying for government schemes to booking travel tickets and getting admissions. But with such wide usage comes a risk—unauthorized use or Aadhaar-related fraud.
If someone misuses your Aadhaar card, it can lead to serious financial and personal trouble. The good news is, you can track its activity, report suspicious use, and even lock your Aadhaar biometrics for added security.
How to Check If Your Aadhaar Is Being Used Without Your Permission
To check if your Aadhaar has been used in any unauthorized way, you can use the Aadhaar Authentication History feature on the official UIDAI portal.
Follow these simple steps:
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Go to the official UIDAI website — https://myaadhaar.uidai.gov.in
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Login using your Aadhaar number and the OTP sent to your registered mobile number
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Navigate to ‘Aadhaar Authentication History’
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Select the time period you want to check
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Review the list of all authentication requests linked to your Aadhaar
If you see any activity that you don’t recognize, you may be a victim of Aadhaar misuse.
What to Do If You Notice Unauthorized Aadhaar Activity
If you find suspicious or unknown activity linked to your Aadhaar card, take action immediately:
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Call UIDAI’s helpline number: 1947 (toll-free)
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Send an email to: help@uidai.gov.in
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Keep a record of your complaint for follow-up
Locking Your Aadhaar Biometrics for Extra Protection
To prevent others from using your Aadhaar fingerprint or iris scan without permission, you can lock your biometrics online.
Here’s how to do it:
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Visit the UIDAI website and go to the “Lock/Unlock Biometrics” section
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Enter your Aadhaar number or Virtual ID (VID) and captcha
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You’ll receive an OTP on your registered mobile number — enter it to confirm
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Once verified, you can lock your biometrics instantly
This makes it impossible for anyone to use your Aadhaar for biometric-based authentication unless you unlock it again.
Keep Your Aadhaar Details Up to Date
Another simple but effective way to protect your Aadhaar is to keep your details updated:
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Make sure your mobile number is linked and correct
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Update your address, name, or photo if they’ve changed
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If you haven’t updated your Aadhaar in the last 10 years, visit the nearest Aadhaar Seva Kendra to refresh your biometrics
An updated Aadhaar ensures you receive important alerts and keeps your information secure.
Final Thoughts
Your Aadhaar card is linked to many key services, and its misuse can have serious consequences. That’s why it’s important to:
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Regularly check your Aadhaar usage history
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Lock your biometric data when not in use
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Report suspicious activity without delay
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Keep your contact and identity details updated
By staying alert and proactive, you can safeguard your identity and avoid becoming a victim of Aadhaar-related fraud.
by Jobuza Team | Jul 11, 2025 | BLOG, Trending News
PM Jeevan Jyoti Bima Yojana: Who Can Apply, What You Get & How to Enroll
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is a life insurance scheme launched by the Government of India. It’s designed to make life insurance affordable and accessible to everyone — especially those who may not usually get covered.
With a premium of just Rs 436 per year, this scheme provides a life cover of Rs 2 lakh, which goes to your nominee if something happens to you.
What Is PMJJBY All About?
PMJJBY is a one-year term life insurance plan that renews every year. If the insured person passes away (due to any cause), their family or nominee gets Rs 2 lakh as a benefit.
It’s run by LIC and other insurance companies in partnership with banks, making it easy for anyone with a bank account to join.
Who Can Apply?
To be eligible for this scheme:
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You must be between 18 and 50 years of age
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You should have a savings bank or post office account
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You must give permission for the premium to be auto-debited every year
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The coverage lasts until you turn 55, as long as you renew it each year
What’s the Premium and What Do You Get?
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Premium: Rs 436 per year (less than Rs 2 per day)
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Life Cover: Rs 2 lakh (paid to nominee in case of death)
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Coverage Period: From 1st June to 31st May every year
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Renewal: Auto-debit must be enabled before 31st May each year to continue coverage
This is one of the cheapest life insurance options available in India.
How to Apply Online
If you use net banking, you can apply for PMJJBY in just a few steps:
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Log in to your net banking account
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Go to the ‘Insurance’ or ‘Social Security’ section
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Select ‘Pradhan Mantri Jeevan Jyoti Bima Yojana’
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Choose your bank account for premium payment
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Submit the form and enable auto-debit
Once done, your policy will be active and renewed automatically each year (if you keep your balance ready).
How to File a Claim
In case of the policyholder’s death or permanent disability:
The claim form should be submitted to the bank where the insurance was taken. Once processed, the claim amount is directly transferred to the nominee’s account.
Which Banks Offer PMJJBY?
The scheme is available through almost all major banks:
Public Sector Banks:
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State Bank of India
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Punjab National Bank
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Central Bank of India
Private Banks:
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HDFC Bank
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Kotak Mahindra Bank
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Karur Vysya Bank
Regional Rural Banks:
Cooperative Banks in different states also offer this scheme.
Final Take
If you’re looking for simple and low-cost life insurance, PMJJBY is a smart option. For just Rs 436 per year, your family can get Rs 2 lakh in case of your unfortunate death.
It’s especially helpful for people who don’t have other insurance plans or those with limited income. And since it’s backed by the government, the process is smooth and trustworthy.
So, if you’re eligible, apply today through your bank and give your family a basic financial safety net.
by Jobuza Team | Jul 8, 2025 | BLOG, Trending News
Indian Railways May Remove Clerkage Fee on Cancelled Tickets – Big Relief for Passengers
Train Travelers: Indian Railways is considering a major passenger-friendly move—reducing or possibly scrapping the clerkage fee charged on cancelled waitlisted tickets. This change could significantly reduce the financial burden on travelers, especially those whose tickets remain unconfirmed but still face deductions during refunds.
Why the Change?
As more passengers switch to online ticket booking, the operational cost of ticketing has dropped. With this in mind, railway officials are reviewing the current cancellation policies to make them more reasonable and customer-friendly.
According to a senior official quoted by The Times of India, clerkage charges were initially introduced to cover administrative costs related to ticket processing. These charges go directly into Indian Railways’ maintenance and operations fund. But now, with digitisation reducing backend costs, there’s a strong case for cutting down these fees.
How Much Is the Clerkage Fee Right Now?
Here’s what passengers currently pay if they cancel a reserved or unreserved ticket:
Even when booking through the IRCTC website or app, these charges apply. Additionally, IRCTC adds a convenience fee of:
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₹30 for AC tickets
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₹15 for non-AC tickets
This means a passenger may lose ₹90 or more simply for cancelling a ticket that never got confirmed.
Tatkal Ticket Bookings Just Got Stricter
From July 1, 2025, booking Tatkal tickets online will require ID verification. Passengers will need to verify their identity using Aadhaar or other valid government-issued IDs linked through DigiLocker.
Indian Railways aims to make the booking system more secure and prevent misuse by agents and bots. An OTP-based authentication system is also expected to roll out later in July, making the process even more secure.
New Reservation Chart Timings for Better Planning
In another big update, Indian Railways will now prepare reservation charts eight hours before train departure—a change from the current four-hour window.
For trains scheduled before 2 PM, the charts will now be prepared by 9 PM the previous night. This move is designed to reduce last-minute confusion and help passengers, especially those boarding at smaller or nearby stations, to plan their journeys better.
Conclusion
Train Travelers: These proposed changes—waiving the clerkage fee, tightening Tatkal bookings, and revising chart timings—show Indian Railways’ push toward a more transparent, secure, and passenger-focused system. If implemented, they will not only save money for travelers but also simplify the overall travel experience.
Stay tuned as Indian Railways finalizes these changes in the coming weeks.
by Jobuza Team | Jul 8, 2025 | BLOG, Trending News
How to Stop Facebook and Instagram from Tracking Your Online Activity
Meta, the parent company of Facebook and Instagram, has often been criticised for tracking users’ online behaviour and using that data to serve targeted ads. If you’ve ever searched for something like “bags” and suddenly seen ads for them on every app, you’re not alone. While this helps advertisers, it raises serious privacy concerns for users.
To address these growing concerns, Meta introduced a privacy feature called Activity Off-Meta Technologies. This tool gives users more control over the data that apps and websites share with Meta—even when you’re not using Facebook or Instagram directly.
What Is “Activity Off-Meta Technologies”?
This privacy feature lets you see which third-party websites and apps send your activity data to Meta. You can clear that data, disconnect certain platforms, or completely block Meta from collecting any future off-app activity. It’s a significant move toward more transparent data usage and puts control back in the hands of users.
How to Stop Instagram from Tracking You
If you want to stop Instagram from tracking what you do outside the app, follow these steps:
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Open the Instagram app and tap your profile picture in the bottom right corner.
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Tap the three horizontal lines at the top right and go to Settings and Privacy.
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Scroll to Activity and tap Activity Off-Meta Technologies.
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Tap Your Information and Permissions, then select Your Activity Off-Meta Technologies.
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From here, you can:
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View recent off-app activity
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Disconnect specific apps and websites
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Clear all previously shared data
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Finally, enable Disconnect Future Activity to stop Instagram from collecting future browsing data. This also erases any data saved so far.
How to Stop Facebook from Tracking You
To prevent Facebook from tracking your activity outside the app:
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Open the Facebook app and go to your profile.
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Tap the three dots in the top right corner.
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Choose Settings & Privacy, then go to Settings.
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In the left menu, select Your Facebook Information.
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Click Off-Facebook Activity, then choose Manage Your Off-Facebook Activity.
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Tap Manage Future Activity and turn off Future Off-Facebook Activity.
You can also view, manage, or disconnect specific apps and websites that have shared your information with Facebook.
Extra Privacy Tips for Better Protection
Even after adjusting your Meta settings, some data might still be collected through third-party sources. To strengthen your privacy even more:
While Facebook and Instagram will likely continue collecting some data, these steps will give you more control over what information is shared and who can see it. Taking just a few minutes to manage these settings can help reduce intrusive tracking and create a more private, secure online experience.
by Jobuza Team | Jul 7, 2025 | BLOG, Trending News
Indian Government Issues High-Risk Alert After 16 Billion Passwords Leaked Globally
India’s cybersecurity watchdog, CERT-In (Indian Computer Emergency Response Team), has issued an urgent advisory following the leak of nearly 16 billion login credentials—one of the largest data exposures ever recorded. Dated June 23, 2025, the advisory (CTAD-2025-0024) warns that this breach affects major platforms like Apple, Google, Facebook, Telegram, GitHub, and several VPN services.
What Happened?
According to CERT-In, the leaked credentials were compiled from 30 different data sources. The data includes:
The majority of this data was stolen using infostealer malware and accessed from publicly exposed databases, such as unsecured Elasticsearch servers.
Why This Breach is So Dangerous
This isn’t just another password leak. The scale and depth of the compromised data make it extremely dangerous for individuals and organizations alike. CERT-In highlights four major cybersecurity threats:
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Credential Stuffing: Hackers can use your stolen credentials to try and log into multiple services, banking apps, or email accounts.
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Phishing and Social Engineering: With detailed metadata, attackers can craft convincing fake messages and websites to trick users.
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Account Takeovers: Cybercriminals may gain full access to personal, business, or financial accounts.
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Ransomware and Business Email Compromise: Organizations are at risk of large-scale attacks if employee credentials are used to infiltrate networks.
How Did This Happen?
The leaked data came from two primary sources:
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Infostealer malware that extracts saved passwords, cookies, and tokens from infected devices
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Misconfigured public databases, which were accessible to anyone due to poor security settings
What You Should Do Right Now
CERT-In has issued clear and actionable safety steps for all users:
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Change your passwords immediately, especially for sensitive accounts like banking, social media, email, and government services. Create strong, unique passwords that combine uppercase and lowercase letters, numbers, and symbols.
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Avoid reusing passwords across platforms. Each account should have its own unique login information.
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Enable Multi-Factor Authentication (MFA) on every service that offers it. Whether it’s through an app, SMS, or hardware token, MFA adds an important extra layer of protection.
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Use a password manager to generate and securely store complex passwords. This reduces the need to remember multiple logins and ensures better security.
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Be cautious with emails or messages that ask you to reset passwords or verify account information. Always check the sender and avoid clicking suspicious links.
Final Thoughts
Passwords Leaked: This breach is a serious reminder that no platform is entirely safe. Whether you’re an individual user or a business owner, staying proactive about cybersecurity is no longer optional. Follow CERT-In’s recommendations, stay informed, and take steps now to protect your digital identity.
