UPI MDR Calculator
Calculate UPI MDR, applicable fees, GST on MDR and your estimated merchant settlement amount.
UPI MDR Calculator
Results update instantlyEnter a transaction amount above to see the MDR calculation.
Estimated calculation. Actual settlement may vary depending on merchant category, acquiring bank, payment provider and applicable rules. UPIMDR.com is an independent informational calculator and is not affiliated with NPCI, the Government of India, RBI, banks or UPI application providers.
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How UPI MDR Is Calculated
Understanding the fee structure for merchant UPI payments
| Transaction Type | Amount | MDR Rate | Cap |
|---|---|---|---|
| Standard Merchant UPI (P2M) | Up to ₹2,000 | ₹0 (Zero MDR) | — |
| Standard Merchant UPI (P2M) | Above ₹2,000 | 0.4% of amount | ₹300 per transaction |
| Essential / Thin-Margin Sector | Up to ₹2,000 | ₹0 (Zero MDR) | — |
| Essential / Thin-Margin Sector | Above ₹2,000 | ₹5 flat | ₹5 (flat) |
| Capital Market | Any amount | 0.02% of amount | ₹300 per transaction |
| Small Merchant / Zero-MDR Category | Any amount | ₹0 (Zero MDR) | — |
| Person-to-Person (P2P) | Any amount | Not applicable | — |
UPI MDR Rates & Rules
Key rules governing UPI merchant charges
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Zero MDR below ₹2,000 Standard eligible P2M transactions of ₹2,000 and below attract zero MDR.
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0.4% MDR above ₹2,000 Standard merchant transactions above ₹2,000 attract 0.4% MDR, capped at ₹300 per transaction.
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₹300 cap MDR is capped at ₹300. The cap effectively begins at ₹75,000 (0.4% × ₹75,000 = ₹300).
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Essential sector: ₹5 flat Fuel stations, insurance, telecom, railways and similar essential/thin-margin sectors pay ₹5 flat MDR above ₹2,000.
MDR = ₹0
if standard_merchant and amount > ₹2,000:
MDR = min(amount × 0.4%, ₹300)
if essential_sector and amount > ₹2,000:
MDR = ₹5 (flat)
if capital_market:
MDR = min(amount × 0.02%, ₹300)
GST on MDR (if applicable):
GST = MDR × 18%
Merchant Receives:
Amount − MDR − GST
| Customer pays | ₹10,000.00 |
| MDR (0.4%) | −₹40.00 |
| GST on MDR (18%) | −₹7.20 |
| Merchant receives | ₹9,952.80 |
Who Does UPI MDR Apply To?
Understanding merchant categories and their MDR obligations
Retail shops, restaurants, e-commerce stores, hotels, service businesses. Transactions above ₹2,000 attract 0.4% MDR (max ₹300). Zero MDR for amounts up to ₹2,000.
Learn more →Petrol pumps, fertiliser dealers, insurance companies, telecom operators, railways. Only ₹5 flat MDR for transactions above ₹2,000.
Learn more →Stock brokers, mutual fund platforms, AMCs. MDR at 0.02% of transaction value, capped at ₹300.
Learn more →Kirana shops, street vendors, micro-merchants. Zero MDR applies under the government's small merchant framework.
Learn more →Online stores accepting UPI payments. Generally fall under standard merchant category — 0.4% MDR above ₹2,000.
Learn more →Person-to-person UPI transfers (sending money to friends, family, etc.) attract zero MDR. MDR applies only to merchant payments.
Learn more →Frequently Asked Questions
Common questions about UPI MDR and merchant charges
UPI MDR Guides & Resources
In-depth guides to help you understand UPI merchant charges
Official Sources
Rules are based on official government and regulatory sources
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