According to a report published by Ashish Das of IIT Bombay, banks are interpreting the UPI law to suit them to conclude that, while 'payments' are free, transfers can be charged. The report highlights this as an anomaly as such an interpretation would mean different things for different types of transactions.source https://economictimes.indiatimes.com/industry/banking/finance/banking/private-banks-levying-extra-charges-on-customers-for-using-upi-over-20-times-a-month/articleshow/77734855.cms
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