As per NPCI OC circular No. 202/2024-25, effective 16th October 2024 there will be MDR charged on Unified Payments Interface (UPI) transactions which are initiated by customer via linked Credit-line account.
Rate of MDR will be charged as follows, basis MCC ( Merchant Category Code) allocated basis nature of business of the merchant.
MDR:
1. For Non industry Segment: 1.3%
2. For Industry Segment: Please refer below table.
| MCC | Description | MDR Rates |
| 8244 | Business and secretarial schools | 0.8% |
| 1750 | Carpentry contractors | 1.2% |
| 7349 | Cleaning, maintenance, and janitorial services | 0.8% |
| 8220 | Colleges, universities, professional schools and junior colleges | 0.8% |
| 1771 | Concrete work contractors | 1.2% |
| 8241 | Correspondence schools | 0.8% |
| 9211 | Court costs, including alimony and child support | 0.8% |
| 5960 | Direct marketing insurance services | 0.8% |
| 1731 | Electrical contractors | 1.2% |
| 8211 | Elementary and secondary schools | 0.8% |
| 5814 | Fast food restaurants | 1.2% |
| 9222 | Fines | 0.8% |
| 5541 | Service Station | 0.9% |
| 5542 | Automated Fuel Dispensers | 0.9% |
| 5983 | Fuel Dealers | 0.9% |
| 1520 | General contractors residential and commercial | 1.2% |
| 9399 | Government services not elsewhere classified | 0.8% |
| 5411 | Groceries | 1.2% |
| 1711 | Heating, plumbing and air-conditioning contractors | 1.2% |
| 6300 | Insurance sales, underwriting and premiums | 0.8% |
| 9405 | Intra Government Transactions | 0.8% |
| 5261 | Lawn and garden supply outlets, including nurseries | 0.8% |
| 4111 | Local and suburban commuter passenger transportation, including ferries | 0.8% |
| 1740 | Masonry, stonework, tile setting, plastering and insulation contractors | 1.2% |
| 5499 | Miscellaneous food shops convenience and speciality retail outlets | 1.2% |
| 763 | Agricultural Cooperative | 0.8% |
| 780 | Horticulture and Landscaping Service | 0.8% |
| 820 | Fertilizer dealers | 0.8% |
| 821 | Pesticides / Insecticides | 0.8% |
| 822 | Seeds | 0.8% |
| 823 | Farm Equipment | 0.8% |
| 824 | Agricultural Machinery | 0.8% |
| 825 | Other Agri Inputs | 0.8% |
| 9402 | Postal services government only | 0.8% |
| 4112 | Railways | 0.8% |
| 6529 | Remote Stored Value Load – Member Financial Institution | 0.6% |
| 1761 | Roofing, siding and sheet metal work contractors | 1.2% |
| 1799 | Special trade contractors not elsewhere classified | 1.2% |
| 9311 | Tax payments | 0.8% |
| 4784 | Tolls and bridge fees | 0.8% |
| 8249 | Trade and vocational schools | 0.8% |
| 4789 | Transportation services not elsewhere classified | 0.8% |
| 4900 | Utilities electric, gas, water and sanitary | 0.8% |