UPI Merchant Settlement Calculator
Calculate the exact amount credited to your business bank account after UPI MDR, payment gateway convenience fees, instant payout charges, and GST deductions.
UPI Payout & Settlement Breakdown
Calculates net bank creditEnter a transaction amount or click a preset above to calculate your net bank settlement.
Informational calculation. Actual settlement timing and deductions depend on your acquirer agreement (e.g. Razorpay, Cashfree, Paytm, PhonePe, Pine Labs, or your acquiring bank). No surcharges may be passed on to customers without regulatory authorization.
How UPI Merchant Settlement Works in India
When an Indian consumer pays you via UPI, the payment follows a strict four-step settlement lifecycle between the payer PSP, NPCI switch, acquiring bank, payment aggregator, and your merchant bank account:
Customer Payment
Customer enters UPI PIN. Money is debited from their savings account instantly and held in the nodal/escrow pool account of the payment aggregator or acquiring bank.
MDR & GST Netting
Applicable MDR (e.g. 0.40% above ₹2,000 for standard merchants) plus 18% GST and gateway fees are netted out automatically from the gross transaction amount.
Bank Transfer
Aggregator releases the net batch payout via NEFT/RTGS/IMPS to your registered merchant current or savings bank account based on the agreed payout schedule.
Standard Settlement (T+1) vs Instant Settlement (T+0)
| Feature | Standard Settlement (T+1) | Instant Payout (T+0) |
|---|---|---|
| Payout Timing | Next working day (typically 8:00 AM – 1:00 PM) | Within 15 minutes to a few hours of transaction |
| Fee / Surcharge | ₹0 (Included in base gateway package) | 0.10% to 0.20% + GST per instant payout batch |
| Weekend / Holiday Processing | Deferred to next RBI working business day | 24/7/365 availability via IMPS / UPI rails |
| Minimum Payout Threshold | Typically ₹1 to ₹100 | Typically ₹500 to ₹1,000 depending on aggregator |
| Best For | Routine e-commerce, B2B, scheduled accounting | Daily working capital, retail shops, urgent cash flow |
Quick Settlement Examples (Standard Merchant, 18% GST)
| Payment Amount | MDR (0.40%) | GST (18% on MDR) | Total Fee | Net Bank Credit | Effective Cost |
|---|---|---|---|---|---|
| ₹1,500 | ₹0.00 (Zero MDR) | ₹0.00 | ₹0.00 | ₹1,500.00 | 0.00% |
| ₹2,000 | ₹0.00 (Zero MDR) | ₹0.00 | ₹0.00 | ₹2,000.00 | 0.00% |
| ₹5,000 | ₹20.00 | ₹3.60 | ₹23.60 | ₹4,976.40 | 0.47% |
| ₹10,000 | ₹40.00 | ₹7.20 | ₹47.20 | ₹9,952.80 | 0.47% |
| ₹25,000 | ₹100.00 | ₹18.00 | ₹118.00 | ₹24,882.00 | 0.47% |
| ₹75,000 | ₹300.00 (Cap reached) | ₹54.00 | ₹354.00 | ₹74,646.00 | 0.47% |
| ₹1,00,000 | ₹300.00 (Capped at ₹300) | ₹54.00 | ₹354.00 | ₹99,646.00 | 0.35% |